<p>-
- Here's the Emergency Fund You Need To Survive a Recession in Your State</p>
<p>T. WoodsJuly 11, 2025 at 7:10 AM</p>
<p>designer491 / Getty Images/iStockphoto</p>
<p>With the ups and downs, and stops and starts, of President Donald Trump's controversial tariff policies, some economists have warned that an economic downturn is inevitable. Less clear, however, is whether or not such a downturn will lead to an actual recession — a downward economic spiral that lasts months and features large declines in employment and production. Should a recession hit, significant numbers of the American workforce could face job layoffs and terminations.</p>
<p>Check Out: Here's How Much You Need To Earn To Be 'Rich' in Every State</p>
<p>Learn More: 4 Low-Risk Ways To Build Your Savings in 2025</p>
<p>Whether or not an actual recession will be triggered in 2025, having an emergency fund is always a safe bet. That said, it pays to know how much you need to have in an emergency fund in your state. That's why GOBankingRates recently devised a study to calculate just how much an emergency fund would carry citizens in each of the 50 states for three months, six months and 12 months total.</p>
<p>Worried that you don't have enough set aside to survive in your state without a job? Hit the list to see how much you need in your emergency fund to survive a recession.</p>
<p>Alabama -</p>
<p>Annual cost of living: $39,278</p>
<p>Emergency fund for 3 months: $9,820</p>
<p>Emergency fund for 6 months: $19,639</p>
<p>Emergency fund for 12 months: $39,278</p>
<p>Find Out: Here's the Line Between Middle Class and Upper-Middle Class in Every State</p>
<p>Also See: Median Salary of Americans Your Age in Every State</p>
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<p>Anfisa Tukane / Getty Images/iStockphotoAlaska -</p>
<p>Annual cost of living: $60,450</p>
<p>Emergency fund for 3 months: $15,113</p>
<p>Emergency fund for 6 months: $30,225</p>
<p>Emergency fund for 12 months: $60,450</p>
<p>Explore More: The Cheapest Place To Buy a Home in Every State</p>
<p>DenisTangneyJr / Getty Images/iStockphotoArizona -</p>
<p>Annual cost of living: $56,087</p>
<p>Emergency fund for 3 months: $14,022</p>
<p>Emergency fund for 6 months: $28,043</p>
<p>Emergency fund for 12 months: $56,087</p>
<p>RoschetzkyIstockPhoto / Getty Images/iStockphotoArkansas -</p>
<p>Annual cost of living: $37,609</p>
<p>Emergency fund for 3 months: $9,402</p>
<p>Emergency fund for 6 months: $18,805</p>
<p>Emergency fund for 12 months: $37,609</p>
<p>stellalevi / Getty ImagesCalifornia -</p>
<p>Annual cost of living: $87,962</p>
<p>Emergency fund for 3 months: $21,990</p>
<p>Emergency fund for 6 months: $43,981</p>
<p>Emergency fund for 12 months: $87,962</p>
<p>Colorado -</p>
<p>Annual cost of living: $64,558</p>
<p>Emergency fund for 3 months: $16,139</p>
<p>Emergency fund for 6 months: $32,279</p>
<p>Emergency fund for 12 months: $64,558</p>
<p>©ZillowConnecticut -</p>
<p>Annual cost of living: $59,423</p>
<p>Emergency fund for 3 months: $14,856</p>
<p>Emergency fund for 6 months: $29,712</p>
<p>Emergency fund for 12 months: $59,423</p>
<p>Discover More: The Money You Need To Save Monthly To Retire Comfortably in Every State</p>
<p>Holzman Moss Bottino Architecture / Wikimedia CommonsDelaware -</p>
<p>Annual cost of living: $53,343</p>
<p>Emergency fund for 3 months: $13,336</p>
<p>Emergency fund for 6 months: $26,671</p>
<p>Emergency fund for 12 months: $53,343</p>
<p>aimintang / iStock.comFlorida -</p>
<p>Annual cost of living: $53,687</p>
<p>Emergency fund for 3 months: $13,422</p>
<p>Emergency fund for 6 months: $26,843</p>
<p>Emergency fund for 12 months: $53,687</p>
<p>Jacob Boomsma / Getty Images/iStockphotoGeorgia -</p>
<p>Annual cost of living: $47,888</p>
<p>Emergency fund for 3 months: $11,972</p>
<p>Emergency fund for 6 months: $23,944</p>
<p>Emergency fund for 12 months: $47,888</p>
<p>©iStock.comHawaii -</p>
<p>Annual cost of living: $104,577</p>
<p>Emergency fund for 3 months: $26,144</p>
<p>Emergency fund for 6 months: $52,289</p>
<p>Emergency fund for 12 months: $104,577</p>
<p>Kirk Fisher / Getty ImagesIdaho -</p>
<p>Annual cost of living: $57,919</p>
<p>Emergency fund for 3 months: $14,480</p>
<p>Emergency fund for 6 months: $28,960</p>
<p>Emergency fund for 12 months: $57,919</p>
<p>See More: How Much House Does $300K, $400K and $500K Buy You in Every State?</p>
<p>pabradyphoto / iStock.comIllinois -</p>
<p>Annual cost of living: $44,778</p>
<p>Emergency fund for 3 months: $11,195</p>
<p>Emergency fund for 6 months: $22,389</p>
<p>Emergency fund for 12 months: $44,778</p>
<p>Ultima_Gaina / Getty Images/iStockphotoIndiana -</p>
<p>Annual cost of living: $41,373</p>
<p>Emergency fund for 3 months: $10,343</p>
<p>Emergency fund for 6 months: $20,687</p>
<p>Emergency fund for 12 months: $41,373</p>
<p>Wirestock / Getty Images/iStockphotoIowa -</p>
<p>Annual cost of living: $39,889</p>
<p>Emergency fund for 3 months: $9,972</p>
<p>Emergency fund for 6 months: $19,945</p>
<p>Emergency fund for 12 months: $39,889</p>
<p>Oleksii Liskonih / Getty Images/iStockphotoKansas -</p>
<p>Annual cost of living: $39,916</p>
<p>Emergency fund for 3 months: $9,979</p>
<p>Emergency fund for 6 months: $19,958</p>
<p>Emergency fund for 12 months: $39,916</p>
<p>©ZillowKentucky -</p>
<p>Annual cost of living: $39,938</p>
<p>Emergency fund for 3 months: $9,985</p>
<p>Emergency fund for 6 months: $19,969</p>
<p>Emergency fund for 12 months: $39,938</p>
<p>Read More: How Long $2 Million in Retirement Will Last in Every State</p>
<p>Larry Gibson / iStock.comLouisiana -</p>
<p>Annual cost of living: $37,550</p>
<p>Emergency fund for 3 months: $9,388</p>
<p>Emergency fund for 6 months: $18,775</p>
<p>Emergency fund for 12 months: $37,550</p>
<p>Photo Italia LLC / Getty Images/iStockphotoMaine -</p>
<p>Annual cost of living: $55,360</p>
<p>Emergency fund for 3 months: $13,840</p>
<p>Emergency fund for 6 months: $27,680</p>
<p>Emergency fund for 12 months: $55,360</p>
<p>DenisTangneyJr / Getty Images/iStockphotoMaryland -</p>
<p>Annual cost of living: $57,444</p>
<p>Emergency fund for 3 months: $14,361</p>
<p>Emergency fund for 6 months: $28,722</p>
<p>Emergency fund for 12 months: $57,444</p>
<p>APCortizasJr / Getty ImagesMassachusetts -</p>
<p>Annual cost of living: $77,544</p>
<p>Emergency fund for 3 months: $19,386</p>
<p>Emergency fund for 6 months: $38,772</p>
<p>Emergency fund for 12 months: $77,544</p>
<p>©iStock.comMichigan -</p>
<p>Annual cost of living: $41,579</p>
<p>Emergency fund for 3 months: $10,395</p>
<p>Emergency fund for 6 months: $20,789</p>
<p>Emergency fund for 12 months: $41,579</p>
<p>Find More: How Much Money Is Needed To Be Considered Middle Class in Every State?</p>
<p>Jacob Boomsma / Getty Images/iStockphotoMinnesota -</p>
<p>Annual cost of living: $49,462</p>
<p>Emergency fund for 3 months: $12,365</p>
<p>Emergency fund for 6 months: $24,731</p>
<p>Emergency fund for 12 months: $49,462</p>
<p>©iStock.comMississippi -</p>
<p>Annual cost of living: $36,351</p>
<p>Emergency fund for 3 months: $9,088</p>
<p>Emergency fund for 6 months: $18,176</p>
<p>Emergency fund for 12 months: $36,351</p>
<p>Art Wager / iStock.comMissouri -</p>
<p>Annual cost of living: $41,219</p>
<p>Emergency fund for 3 months: $10,305</p>
<p>Emergency fund for 6 months: $20,610</p>
<p>Emergency fund for 12 months: $41,219</p>
<p>Montana -</p>
<p>Annual cost of living: $57,517</p>
<p>Emergency fund for 3 months: $14,379</p>
<p>Emergency fund for 6 months: $28,759</p>
<p>Emergency fund for 12 months: $57,517</p>
<p>marekuliasz / iStock.comNebraska -</p>
<p>Annual cost of living: $42,993</p>
<p>Emergency fund for 3 months: $10,748</p>
<p>Emergency fund for 6 months: $21,496</p>
<p>Emergency fund for 12 months: $42,993</p>
<p>Also Read: How Paychecks Would Look in Each State If Trump Dropped Federal Income Tax</p>
<p>DenisTangneyJr / Getty ImagesNevada -</p>
<p>Annual cost of living: $58,665</p>
<p>Emergency fund for 3 months: $14,666</p>
<p>Emergency fund for 6 months: $29,333</p>
<p>Emergency fund for 12 months: $58,665</p>
<p>DenisTangneyJr / Getty ImagesNew Hampshire -</p>
<p>Annual cost of living: $62,536</p>
<p>Emergency fund for 3 months: $15,634</p>
<p>Emergency fund for 6 months: $31,268</p>
<p>Emergency fund for 12 months: $62,536</p>
<p>DenisTangneyJr / Getty Images/iStockphotoNew Jersey -</p>
<p>Annual cost of living: $66,926</p>
<p>Emergency fund for 3 months: $16,732</p>
<p>Emergency fund for 6 months: $33,463</p>
<p>Emergency fund for 12 months: $66,926</p>
<p>ElFlacodelNorte / Getty Images/iStockphotoNew Mexico -</p>
<p>Annual cost of living: $45,368</p>
<p>Emergency fund for 3 months: $11,342</p>
<p>Emergency fund for 6 months: $22,684</p>
<p>Emergency fund for 12 months: $45,368</p>
<p>FilippoBacci / Getty Images/iStockphotoNew York -</p>
<p>Annual cost of living: $59,403</p>
<p>Emergency fund for 3 months: $14,851</p>
<p>Emergency fund for 6 months: $29,701</p>
<p>Emergency fund for 12 months: $59,403</p>
<p>Also See: How Far $1.5 Million in Retirement Savings Plus Social Security Goes in Every State</p>
<p>North Carolina -</p>
<p>Annual cost of living: $48,054</p>
<p>Emergency fund for 3 months: $12,014</p>
<p>Emergency fund for 6 months: $24,027</p>
<p>Emergency fund for 12 months: $48,054</p>
<p>Guy RD / Shutterstock.comNorth Dakota -</p>
<p>Annual cost of living: $43,844</p>
<p>Emergency fund for 3 months: $10,961</p>
<p>Emergency fund for 6 months: $21,922</p>
<p>Emergency fund for 12 months: $43,844</p>
<p>Sean Pavone / Getty Images/iStockphotoOhio -</p>
<p>Annual cost of living: $40,788</p>
<p>Emergency fund for 3 months: $10,197</p>
<p>Emergency fund for 6 months: $20,394</p>
<p>Emergency fund for 12 months: $40,788</p>
<p>DenisTangneyJr / iStock.comOklahoma -</p>
<p>Annual cost of living: $38,398</p>
<p>Emergency fund for 3 months: $9,599</p>
<p>Emergency fund for 6 months: $19,199</p>
<p>Emergency fund for 12 months: $38,398</p>
<p>Strekoza2 / Getty Images/iStockphotoOregon -</p>
<p>Annual cost of living: $62,701</p>
<p>Emergency fund for 3 months: $15,675</p>
<p>Emergency fund for 6 months: $31,351</p>
<p>Emergency fund for 12 months: $62,701</p>
<p>Check Out: The Living Wage a Family of Four Needs in All 50 States</p>
<p>Wirestock / Getty Images/iStockphotoPennsylvania -</p>
<p>Annual cost of living: $44,255</p>
<p>Emergency fund for 3 months: $11,064</p>
<p>Emergency fund for 6 months: $22,128</p>
<p>Emergency fund for 12 months: $44,255</p>
<p>DenisTangneyJr / Getty Images/iStockphotoRhode Island -</p>
<p>Annual cost of living: $61,901</p>
<p>Emergency fund for 3 months: $15,475</p>
<p>Emergency fund for 6 months: $30,950</p>
<p>Emergency fund for 12 months: $61,901</p>
<p>omersukrugoksu / Getty Images/iStockphotoSouth Carolina -</p>
<p>Annual cost of living: $45,362</p>
<p>Emergency fund for 3 months: $11,341</p>
<p>Emergency fund for 6 months: $22,681</p>
<p>Emergency fund for 12 months: $45,362</p>
<p>DenisTangneyJr / Getty Images/iStockphotoSouth Dakota -</p>
<p>Annual cost of living: $45,859</p>
<p>Emergency fund for 3 months: $11,465</p>
<p>Emergency fund for 6 months: $22,929</p>
<p>Emergency fund for 12 months: $45,859</p>
<p>Jonathan Ross / Getty Images/iStockphotoTennessee -</p>
<p>Annual cost of living: $45,776</p>
<p>Emergency fund for 3 months: $11,444</p>
<p>Emergency fund for 6 months: $22,888</p>
<p>Emergency fund for 12 months: $45,776</p>
<p>Find Out: How Much You Need To Earn To Be Upper Middle Class in Every State</p>
<p>f11photo / Getty Images/iStockphotoTexas -</p>
<p>Annual cost of living: $45,505</p>
<p>Emergency fund for 3 months: $11,376</p>
<p>Emergency fund for 6 months: $22,752</p>
<p>Emergency fund for 12 months: $45,505</p>
<p>©ZillowUtah -</p>
<p>Annual cost of living: $62,806</p>
<p>Emergency fund for 3 months: $15,701</p>
<p>Emergency fund for 6 months: $31,403</p>
<p>Emergency fund for 12 months: $62,806</p>
<p>marchello74 / iStock.comVermont -</p>
<p>Annual cost of living: $54,486</p>
<p>Emergency fund for 3 months: $13,622</p>
<p>Emergency fund for 6 months: $27,243</p>
<p>Emergency fund for 12 months: $54,486</p>
<p>ferrantraite / Getty ImagesVirginia -</p>
<p>Annual cost of living: $53,677</p>
<p>Emergency fund for 3 months: $13,419</p>
<p>Emergency fund for 6 months: $26,839</p>
<p>Emergency fund for 12 months: $53,677</p>
<p>Explore More: Here's the Cost of Living in Every State</p>
<p>Washington -</p>
<p>Annual cost of living: $71,722</p>
<p>Emergency fund for 3 months: $17,930</p>
<p>Emergency fund for 6 months: $35,861</p>
<p>Emergency fund for 12 months: $71,722</p>
<p>ablokhin / iStock.comWest Virginia -</p>
<p>Annual cost of living: $35,406</p>
<p>Emergency fund for 3 months: $8,852</p>
<p>Emergency fund for 6 months: $17,703</p>
<p>Emergency fund for 12 months: $35406</p>
<p>Ultima_Gaina / Getty ImagesWisconsin -</p>
<p>Annual cost of living: $47,618</p>
<p>Emergency fund for 3 months: $11,905</p>
<p>Emergency fund for 6 months: $23,809</p>
<p>Emergency fund for 12 months: $47,618</p>
<p>Ingo Dörenberg / iStock.comWyoming -</p>
<p>Annual cost of living: $49,340</p>
<p>Emergency fund for 3 months: $12,335</p>
<p>Emergency fund for 6 months: $24,670</p>
<p>Emergency fund for 12 months: $49,340</p>
<p>Methodology: For this study, GOBankingRates analyzed each state to find the amount needed for an emergency fund. The cost of living was determined using data from Missouri Economic and Research Information Center, the Bureau of Labor Statistics Consumer Expenditure Survey, Zillow Home Value Index and the Federal Reserve. All data was collected on and is up to date as of April 21, 2025.</p>
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<p>This article originally appeared on GOBankingRates.com: Here's the Emergency Fund You Need To Survive a Recession in Your State</p>
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