Annual necessities for a four-person family in San Francisco come to about $91,785. Shutterstock.com It will only cost you about $49,114 a year to raise a family in Morristown, Tennessee, but if you move to Washington, DC, that expense more that doubles, to $106,493.

That's according to the Economic Policy Institute's 2015 Family Budget Calculator, which measures the annual cost of necessities for a family to live a secure yet modest lifestyle by estimating the costs of housing, food, child care, transportation, healthcare, other necessities, and taxes.

(Read the EPI's full methodology for the budget calculator here.)

The EPI gathered data in 618 metro areas throughout the US for several different family types. Here, we've highlighted the cost of living for a four-person family (two adults, two children) in 20 major US cities.

If you're looking to start a family in an urban area, consider the annual and monthly cost of necessities, and remember, these numbers do not include savings or discretionary spending: