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The Most Expensive Places To Have a Baby

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Redfin, the technology-powered real estate brokerage, today released a report examining the cost of being a parent during baby’s first year. It includes a ranking of 40 cities based on housing data from multiple listing services (MLSs) across the country, as well as the expense of childcare, healthcare, baby items and utilities compiled from various government and public sources.

The most expensive US city to have a baby is San Jose, Calif.,where the average total cost of a newborn’s first year was $41,600, compared to the $26,000 a new baby costs the average U.S. family. Santa Cruz, Calif. and New York City are next, where the first year costs an estimated $38,800 and $36,700, respectively.

Not surprisingly, housing and childcare costs are interchangeably the two most costly aspects of raising a new child. To determine housing costs, Redfin calculated the average cost of upgrading from a two-bedroom home to a three-bedroom home. For example, an additional bedroom in San Jose costs about $225,000 or $20,000 per year in additional mortgage payments on a 30-year fixed 4.5 percent loan. On the other end of the spectrum, a third bedroom in Las Vegas is about $44,000, or $4,000 per year.

Key findings of the report include:

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? Seven of the top 10 most expensive cities to have a new baby are in California: San Jose (#1), Santa Cruz (#2),San Francisco (#4), San Diego (#6), Santa Rosa (#7), Oxnard (#8), and Los Angeles (#9). In each of these cities, housing is the largest cost new parents bear during the baby’s first year.

? Of the 40 cities, Atlanta (#40), San Antonio (#39) and Las Vegas (#38) are the least expensive.

The top 40 most expensive cities to have a baby:

Metro Area

Total Cost

Housing

Childcare

Baby Items

Healthcare

Energy

1. San Jose, CA

$41,600

$19,900

$12,600

$5,600

$3,000

$600

2. Santa Cruz, CA

$38,800

$19,700

$9,900

$5,600

$3,000

$600

3. New York, NY

$36,700

$13,400

$13,700

$5,600

$3,000

$1,000

4. San Francisco, CA

$35,900

$15,300

$11,400

$5,600

$3,000

$700

5. Boston, MA

$34,000

$10,200

$14,400

$5,600

$3,000

$900

6. San Diego, CA

$32,700

$13,300

$10,200

$5,600

$3,000

$600

7. Santa Rosa, CA

$32,000

$11,800

$11,000

$5,600

$3,000

$600

8. Oxnard, CA

$31,400

$12,100

$10,100

$5,600

$3,000

$600

9. Los Angeles, CA

$30,100

$10,600

$10,400

$5,600

$3,000

$600

10. Washington, DC

$29,800

$9,300

$11,200

$5,600

$3,000

$700

11. Worcester, MA

$28,700

$6,300

$13,200

$5,600

$3,000

$700

12. Denver, CO

$28,200

$7,700

$11,400

$5,600

$3,000

$500

13. Seattle, WA

$27,400

$9,000

$9,100

$5,600

$3,000

$700

14. Boulder, CO

$27,300

$8,400

$9,800

$5,600

$3,000

$500

15. Salinas, CA

$27,300

$7,800

$10,300

$5,600

$3,000

$600

16. Providence, RI

$26,700

$7,400

$10,000

$5,600

$3,000

$800

17. Sacramento, CA

$26,300

$8,000

$9,200

$5,600

$3,000

$500

18. Portland, OR

$25,800

$8,000

$8,700

$5,600

$3,000

$600

19. Baltimore, MD

$25,600

$6,400

$9,900

$5,600

$3,000

$700

20. Chicago, IL

$25,500

$5,900

$10,300

$5,600

$3,000

$800

21. Modesto, CA

$24,500

$6,700

$8,600

$5,600

$3,000

$600

22. Riverside, CA

$24,500

$5,600

$9,800

$5,600

$3,000

$500

23. Fort Collins, CO

$24,400

$5,500

$9,900

$5,600

$3,000

$500

24. Stockton, CA

$24,100

$5,900

$9,200

$5,600

$3,000

$500

25. Trenton, NJ

$24,000

$6,100

$8,400

$5,600

$3,000

$1,000

26. Greeley, CO

$23,300

$3,800

$10,500

$5,600

$3,000

$500

27. Bremerton, WA

$22,700

$5,100

$8,500

$5,600

$3,000

$600

28. Hagerstown, MD

$22,600

$4,600

$8,900

$5,600

$3,000

$500

29. Philadelphia, PA

$22,600

$5,200

$8,100

$5,600

$3,000

$800

30. Raleigh, NC

$22,500

$6,800

$6,600

$5,600

$3,000

$500

31. Salem, OR

$22,400

$5,500

$7,900

$5,600

$3,000

$500

32. Charlotte, NC

$22,100

$6,500

$6,600

$5,600

$3,000

$500

33. Phoenix, AZ

$22,000

$6,200

$6,800

$5,600

$3,000

$500

34. Austin, TX

$21,700

$6,100

$6,500

$5,600

$3,000

$600

35. Miami, FL

$21,300

$6,600

$5,500

$5,600

$3,000

$700

36. Durham, NC

$21,100

$5,500

$6,500

$5,600

$3,000

$500

37. Houston, TX

$19,700

$4,900

$5,600

$5,600

$3,000

$600

38. Las Vegas, NV

$19,500

$3,900

$6,500

$5,600

$3,000

$600

39. San Antonio, TX

$18,700

$4,100

$5,600

$5,600

$3,000

$500

40. Atlanta, GA

$18,500

$4,500

$5,000

$5,600

$3,000

$500

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