Put in an area and see for yourself. In general, yes this calculator is closer to what you're describing. For example, Skamania County, a pretty rural county of Washington state with a very low population of 12,000 people, still has a "required living wage" for 1 breadwinner + 1 homemaker + 3 children of $104,292 per year: https://livingwage.mit.edu/counties/53059

That feels pretty close to accurate.

Yeah Dallas county Texas, where I live, for family of 4 and 2 working adults is around $105k/year. That seems close, there’s nothing secure about that long term (no room for savings or retirement) but it’s livable.