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The Pew Research Center estimates that upper-class households earn at least $145,500.

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The amount youd need to be an upper-middle-class retiree varies quite a lot.

But location also plays a huge role in how far your money will go.

It all depends on your individual preferences and lifestyle requirements.

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Sunnyvale, California

California is a popular retirement destination, but it comes with some steep costs.

Anyone whos thinking about retiring should also factor in their estimated time in retirement.

Cleveland

Midwestern states are known for being less expensive than, say, those on either coast.

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This is also true of Ohio.

The $50,000 a year estimate is once again based on a 20-year retirement timeframe.

Those who plan to retire early or expect to need more time will need to adjust their savings accordingly.

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These are the U.S. cities where the upper middle class earn the least annually:

And these are theU.S.

In general, the more rural a location is, the less youll generally need to live there comfortably.

If youre struggling to get ahead, you might want to look at the more rural South for retirement.

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