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Much has been said about the rich — they sleep better, are more likely to cheat for prizes and are less empathic, according to Pediatrics, Proceedings of the National Academy of Sciences and Psychological Science, respectively. And, of course, they have more money than the rest of us.

But do the rich really live in Beverly Hills and take vacations in the Hamptons?

The term “rich” is relative. According to the U.S. Census Bureau, America’s median household income was just over $50,000 in 2013. And while 23 percent of respondents in a Gallup survey agreed that an income somewhere between $100,000 and $150,000 was enough to be considered rich, 30 percent named lower numbers and almost 50 percent named numbers higher than $150,000.

A recent study by NerdWallet, however, seems to put the number at $100,000, ranking America’s “highest-earning cities” by how many “$100K Club” members they have.

In the study, suburban communities clustered around large Western cities come out on top, leaving the large, famous cities with just their reputations.

This list counts down the 31 highest-earning cities in America, ordering them by concentration of households with incomes of $100,000 or higher. It also includes each city’s concentration of residents in the $100K, $150K and $200K clubs.

#31 Frisco, Texas
Donna McWilliam, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 56.2 percent

$150,000 and up: 29.4 percent

$200,000 and up: 13.6 percent

#29 (tie) Summit, New Jersey
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 56.4 percent

$150,000 and up: 40.2 percent

$200,000 and up: 30.9 percent

#29 (tie) Calabasas, California
John Antczak, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 56.4 percent

$150,000 and up: 36.0 percent

$200,000 and up: 26.8 percent

#28 Rancho Palos Verdes, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 57.1 percent

$150,000 and up: 38.8 percent

$200,000 and up: 24.1 percent

#27 Yorba Linda, California
Jae C. Hong, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 57.2 percent

$150,000 and up: 33.2 percent

$200,000 and up: 19.3 percent

#26 Hudson, Ohio
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 57.7 percent

$150,000 and up: 33.9 percent

$200,000 and up: 21.2 percent

#25 Newton, Massachusetts
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.0 percent

$150,000 and up: 40.6 percent

$200,000 and up: 28.9 percent

#24 Mercer Island, Washington
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.3 percent

$150,000 and up: 40.3 percent

$200,000 and up: 29.4 percent

#23 Dublin, Ohio
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.4 percent

$150,000 and up: 34.2 percent

$200,000 and up: 20.4 percent

#22 Keller, Texas
Donna McWilliam, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.7 percent

$150,000 and up: 34.6 percent

$200,000 and up: 16.4 percent

#21 Dublin, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.7 percent

$150,000 and up: 32.2 percent

$200,000 and up: 16.5 percent

#20 Palo Alto, California
Paul Sakuma, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 58.9 percent

$150,000 and up: 43.0 percent

$200,000 and up: 31.8 percent

#19 Foster City, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 59.3 percent

$150,000 and up: 34.0 percent

$200,000 and up: 21.2 percent

#17 (tie) Wildwood, Missouri
Tom Gannam, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 59.6 percent

$150,000 and up: 37.5 percent

$200,000 and up: 21.4 percent

#17 (tie) Pleasanton, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 59.6 percent

$150,000 and up: 36.7 percent

$200,000 and up: 22.0 percent

#16 Lafayette, California
Jeff Chiu, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 60.0 percent

$150,000 and up: 42.4 percent

$200,000 and up: 29.6 percent

#15 Mountain Brook, Alabama
David Tulis, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 60.3 percent

$150,000 and up: 44.4 percent

$200,000 and up: 28.7 percent

#14 Parkland, Florida
Wilfredo Lee, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 62.4 percent

$150,000 and up: 36.9 percent

$200,000 and up: 19.7 percent

#13 Leawood, Kansas
Charlie Riedel, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 63.9 percent

$150,000 and up: 46.4 percent

$200,000 and up: 31.0 percent

#12 Cupertino, California
Paul Sakuma, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 65.0 percent

$150,000 and up: 45.9 percent

$200,000 and up: 29.0 percent

#11 San Ramon, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 65.2 percent

$150,000 and up: 42.3 percent

$200,000 and up: 25.9 percent

#10 Lake Forest, Illinois
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 65.5 percent

$150,000 and up: 51.5 percent

$200,000 and up: 43.1 percent

#9 Brentwood, Tennessee
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 65.7 percent

$150,000 and up: 44.0 percent

$200,000 and up: 32.0 percent

#8 Manhattan Beach, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 65.9 percent

$150,000 and up: 47.8 percent

$200,000 and up: 36.1 percent

#7 Los Altos, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 66.6 percent

$150,000 and up: 53.6 percent

$200,000 and up: 43.3 percent

#6 Colleyville, Texas
D.J. Peters, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 67.9 percent

$150,000 and up: 50.3 percent

$200,000 and up: 36.9 percent

#5 Southlake, Texas
Mike Fuentes, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 71.2 percent

$150,000 and up: 55.4 percent

$200,000 and up: 41.9 percent

#4 Saratoga, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 71.4 percent

$150,000 and up: 57.0 percent

$200,000 and up: 44.6 percent

#2 (tie) University Park, Texas
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 73.4 percent

$150,000 and up: 58.6 percent

$200,000 and up: 44.8 percent

#2 (tie) La Cañada Flintridge, California
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Percentage of households with incomes of $100,000 or more:

$100,000 and up: 73.4 percent

$150,000 and up: 54.2 percent

$200,000 and up: 41.5 percent

#1 Sammamish, Washington
Ted S. Warren, Associated Press

Percentage of households with incomes of $100,000 or more:

$100,000 and up: 73.7 percent

$150,000 and up: 47.3 percent

$200,000 and up: 28.2 percent