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Americans, on average, say that it takes a net worth of $2.27 million to be considered "wealthy," Charles Schwab reports in its 2019 Modern Wealth Survey. Cities with large

populations of the super rich tend to have different ideas. New York is the No. 1 city in the world by billionaire population, while San Francisco, which ranks No. 3, "is the clear

leader when it comes to billionaire density," according to data firm Wealth-X. In those places, residents say it takes much more to be considered rich. San Francisco locals say you need

a net worth of at least $4 million. New Yorkers say $3.2 million. Net worth means assets minus liabilities, so this is a picture of your total savings, including the value of your home,

401(k) and any other assets you may have, minus any debt. Read on to see what residents of other major U.S. cities think it takes to be rich. All data comes from Schwab, which asked between

500 and 750 adults in each city how much money it takes to be "wealthy" in their area. DENVER To be wealthy, you need a net worth of $2 MILLION. That's ABOUT 21 TIMES the

actual median net worth of U.S. households. Denver, Colorado Garrett Thorne / EyeEm | EyeEm | Getty Images DALLAS To be wealthy, you need a net worth of $2.1 MILLION. That's ABOUT 22

TIMES the actual median net worth of U.S. households. Dallas, Texas. joe daniel price | Moment | Getty Images PHILADELPHIA To be wealthy, you need a net worth of $2.3 MILLION. That's

ABOUT 24 TIMES the actual median net worth of U.S. households. Jon Lovette | DigitalVision | Getty Images BOSTON To be wealthy, you need a net worth of $2.4 MILLION. That's ABOUT 25

TIMES the actual median net worth of U.S. households. Boston, Massachusetts Greater Boston Convention & Visitors Bureau CHICAGO To be wealthy, you need a net worth of $2.5 MILLION.

That's ABOUT 26 TIMES the actual median net worth of U.S. households. Chicago, Illinois marchello74 | Getty Images HOUSTON To be wealthy, you need a net worth of $2.6 MILLION.

That's ABOUT 27 TIMES the actual median net worth of U.S. households. Houston, Texas Duy Do | Moment | Getty Images ATLANTA To be wealthy, you need a net worth of $2.8 MILLION.

That's ABOUT 29 TIMES the actual median net worth of U.S. households. Atlanta, Georgia Steve Kelley | Getty Images SEATTLE To be wealthy, you need a net worth of $2.9 MILLION.

That's ABOUT 30 TIMES the actual median net worth of U.S. households. Seattle, Washington Michael Riffle | Getty Images LOS ANGELES To be wealthy, you need a net worth of $2.9 MILLION.

That's ABOUT 30 TIMES the actual median net worth of U.S. households. Los Angeles, California David Sucsy | Getty Images WASHINGTON, D.C. To be wealthy, you need a net worth of $3

MILLION. That's ABOUT 31 TIMES the actual median net worth of U.S. households. Washington, DC Danita Delimont | Getty Images NEW YORK To be wealthy, you need a net worth of $3.2

MILLION. That's ABOUT 33 TIMES the actual median net worth of U.S. households. New York, New York Alexander Spatari | Getty Images SAN FRANCISCO To be wealthy, you need a net worth of

$4 MILLION. That's ABOUT 41 TIMES the actual median net worth of U.S. households. San Francisco, California RICOWde | Getty Images