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(MoneyWatch) Despite improved unemployment numbers, times are still tough for most Main Street Americans. Gas prices are high, making travel, groceries and nearly everything else more expensive.

Depending on where you live, you may pay even more than most people. Consumers generally pay more for everything in a big city than they do in a small town.

According to ACCRA's latest Cost of Living Index (COLI), these urban areas are the most expensive in the nation based on cost of housing, utilities, grocery items, health care and miscellaneous goods and services.

Negative equity data provided by CoreLogic. Average median home sale values courtesy Trulia.com unless otherwise noted.

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