Some U.S. consumers might spend more than $2,300 this holiday season, according to the 2017 Holiday Budgets by City report released by WalletHub, a personal-finance site.

The report comes as retailers launch pre-Black Friday deals and brace for Cyber Monday. Analysts at WalletHub looked at income, age and savings-to-monthly expenses ratio and other information to estimate the maximum amount of money consumers in 570 U.S. cities could spend over the holidays.

Some cities were looking at budgets over $2,000, while others plan on spending a few hundred dollars.

The top 20 U.S. cities with the biggest holiday budgets are:

  1. Naperville, IL ($2,381)

  2. Sugar Land, TX ($2,368)

  3. Bellevue, WA ($2,367)

  4. Sunnyvale, CA ($2,360)

  5. Carmel, IN ($2,330)

  6. Milpitas, CA ($2,262)

  7. League City, TX ($2,225)

  8. Maple Grove, MN ($2,221)

  9. Allen, TX ($2,163)

  10. Columbia, MD ($2,032)

  11. Cary, NC ($2,027)

  12. Troy, MI ($1,966)

  13. San Ramon, CA ($1,916)

  14. Ellicott City, MD ($1,905)

  15. Mountain View, CA ($1,841)

  16. Flower Mound, TX ($1,825)

  17. Pleasanton, CA ($1,806)

  18. Newton, MA ($1,781)

  19. Frisco, TX ($1,740)

  20. Arlington, VA ($1,736)

Holiday budgets in other major U.S. cities:

  • New York City, $684

  • Miami, $303

  • Los Angeles, $246

  • San Francisco, $1,575

  • Salt Lake City, $595

  • Boston, $981

  • Seattle, $1,323

  • San Antonio, $581

  • Las Vegas, $533

More budgets can be found here by hovering over a location:



Consumers Turn To Online Holiday Shopping

Last month, the National Retail Federation estimated U.S. consumers will spend an average of $967 this holiday season, a 3.4 percent from 2016’s $935 average. The survey found 59 percent of consumers are waiting until at least this month to start their holiday shopping, while others said they were going to begin in October, and even September. Most early shoppers said they were getting a head start in order to spread out their budgets.

The NRF report found consumers will mostly turn to online shopping this year, a first in the annual survey’s history. Among U.S. consumers, 59 percent said they plan to shop online for the holidays, while 57 percent said they will go to department stores, 46 percent cited grocery stores/supermarkets, 35 percent clothing or accessories stores, 27 percent plan to visit an electronics store, 25 percent a small or local business and 18 percent will go to a crafts or fabrics store. Online shoppers said they will take advantage of free shipping and other conveniences, like in-store pick ups and faster deliveries. Those perks could turn holiday shoppers to Amazon’s Prime service and other retailers that offer three-day, two-day or same-day shipping, like Walmart and eBay.