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50 Cities Where You Need a Side Hustle To Get By

GOBankingRates Logo By Cameron Huddleston of GOBankingRates | Slide 1 of 51: The side hustle is more than just a way to make extra cash to pay for the things you want. For many Americans, a second job is essential to having enough money to pay for necessities. A recent GOBankingRates survey found that nearly half of Americans need a side hustle just to cover basic expenses. These results suggest that plenty of people can’t get by on just one income. To find out where this problem is most pronounced, GOBankingRates evaluated the 100 largest U.S. cities to identify where Americans need at least one side hustle to cover their costs. Related: 10 Most Lucrative Side Hustle Ideas The study considered the per capita income — which is the average income earned per person — of each city. Then, it examined the average annual cost of groceries, healthcare, utilities, transportation and rent for a one-bedroom apartment. GOBankingRates added up those costs and then subtracted them from per capita income to determine whether there was a gap between income and cost of living. The study determined how many side hustles would be needed to cover that gap by considering the average income from a side hustle in the U.S., which is $12,609, according to The Hustle. Plenty of cities with a high cost of living made it on this list of places where you need a side hustle to get by. However, several places where the cost of living is relatively low also made it on the list — that’s because the per capita income in those cities is low. As a result, those people need to find ways to make extra money to cover bills. Last updated: Jan. 19, 2021

The side hustle is more than just a way to make extra cash to pay for the things you want. For many Americans, a second job is essential to having enough money to pay for necessities.

A recent GOBankingRates survey found that nearly half of Americans need a side hustle just to cover basic expenses. These results suggest that plenty of people can’t get by on just one income. To find out where this problem is most pronounced, GOBankingRates evaluated the 100 largest U.S. cities to identify where Americans need at least one side hustle to cover their costs.

Related: 10 Most Lucrative Side Hustle Ideas

The study considered the per capita income — which is the average income earned per person — of each city. Then, it examined the average annual cost of groceries, healthcare, utilities, transportation and rent for a one-bedroom apartment. GOBankingRates added up those costs and then subtracted them from per capita income to determine whether there was a gap between income and cost of living. The study determined how many side hustles would be needed to cover that gap by considering the average income from a side hustle in the U.S., which is $12,609, according to The Hustle.

Plenty of cities with a high cost of living made it on this list of places where you need a side hustle to get by. However, several places where the cost of living is relatively low also made it on the list — that’s because the per capita income in those cities is low. As a result, those people need to find ways to make extra money to cover bills.

Last updated: Jan. 19, 2021

© felixmizioznikov / Getty Images

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