Residents of New York City, San Francisco, and Honolulu would need bring in a salary higher than $300,000 to have $100,000 in purchasing power, according to a new study.

Financial tech company Smart Asset, reported the startling conclusion from a study analyzing how a $100,000 salary compared with the local cost of living in 76 of America’s biggest cities.

The study found New York, San Francisco, and Honolulu have the highest cost of living — over 80% above the national average. Residents there would have to earn over $300,000 to actually feel like they have $100,000 coming in annually.