There are millionaires among us -- perhaps many more than you think. A new report by Phoenix Marketing International, a firm that tracks wealthy households, ranks 942 towns and cities by concentration of millionaires. By PMI’s count, there are about 5.94 million millionaire households in the U.S.

So where do these millionaires live? Not surprisingly, metropolises such as San Francisco and Washington make the list. But the wealthy also reside in desert towns and coastal villages. And we’re talking bonafide millionaires. PMI’s research keyed in on households with liquid, investable assets of $1 million or more (excluding real estate, retirement plans and business partnerships).

In addition, we looked at the median income of all households to gauge how much it takes for average families to live alongside the affluent. Just for fun, we also calculated the maids-to-millionaires ratio for each city. (It's 15:100 nationally.)

Check out the list of the top 10 cities with the highest concentration of millionaires.

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Where Millionaires Live in America

Concentration of millionaires: 11.7%

Millionaire households: 885

Metropolitan population: 17,950

Households with $5 million+ in investable assets: 126

Median income (all households): $91,741

Maids-to-millionaires ratio: 9:100

If it weren’t for the National Laboratory, Los Alamos might be just another stagecoach stop in the desert. The facility, a powerhouse for weapons engineering, bioscience and other government research, is the dusty town’s largest employer. Top chemists, engineers and physicists have pulled in hefty paychecks here since 1943, when the lab launched the Manhattan Project.

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1. Los Alamos, N.M.

Concentration of millionaires: 9.1%

Millionaire households: 12,277

Metropolitan population: 321,520

Households with $5 million+ in investable assets: 1,753

Median income (all households): $ 58,133

Maids-to-millionaires ratio: 14:100

The term “Paradise Coast” is more than good branding -- Naples and nearby Marco Island rank among the ritziest destinations on the Gulf. The area is popular with vacationers and leisure-class retirees, who flock south for the sandy beaches and upscale social scene. There are nearly 90 golf courses in the county; Hermes, Louis Vuitton and Tiffany anchor the local mall.

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2. Naples, Fla.

Concentration of millionaires: 8.8%

Millionaire households: 29,713

Metropolitan population: 916,829

Households with $5 million+ in investable assets: 4,259

Median income (all households): $81,114

Maids-to-millionaires ratio: 7:100

A hotbed for the sweater-vest-and-sailing crowd, southwest Connecticut, which encompasses Stamford and Norwalk as well as Bridgeport, falls within an easy drive of New York City. That makes the area a popular home base for high-powered commuters. More than 34,000 area residents work in management positions, scoring $62 per hour on average. Top Stamford employers include UBS, General Electric and the Royal Bank of Scotland; nearby Norwalk boasts the U.S. headquarters of Xerox and Virgin Atlantic, as well as 13 private boat clubs.

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3. Bridgeport, Conn.

Concentration of millionaires: 8.5%

Millionaire households: 179,196

Metropolitan population: 5,582,170

Households with $5 million+ in investable assets: 25,684

Median income (all households): $84,424

Maids-to-millionaires ratio: 11:100

If money is power, then the D.C. metropolitan area is inarguably the seat of both. Thousands of high-profile politicians, lobbyists and contractors crowd neighborhoods such as Georgetown and Capitol Hill, noshing on name-brand cupcakes and yelling into their Blackberries. Outside the District, communities such as Bethesda, Md., and Arlington, Va. –- where per-capita income runs double the national average –- have become enclaves for the picket-fence set.

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4. Washington, D.C.

Concentration of millionaires: 8.1%

Millionaire households: 50,044

Metropolitan population: 1,836,911

Households with $5 million+ in investable assets: 7,173

Median income (all households): $85,020

Maids-to-millionaires ratio: 8:100

Look out from any of San Jose’s gleaming skyscrapers and you’ll see the moneyed, palm-lined streets of Silicon Valley stretching in all directions. The city bills itself as the capital of American tech –- and for good reason. Apple, Intel and Microsoft are three of the largest employers in an area that includes Sunnyvale and Santa Clara, drawing thousands of well-heeled geeks and millions of dollars in venture capital to the region each year.

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5. San Jose, Cal.

Concentration of millionaires: 7.9%

Millionaire households: 1,252

Metropolitan population: 37,782

Households with $5 million+ in investable assets: 179

Median income (all households): $61,591

Maids-to-millionaires ratio: N/A

An October night in sleepy Easton, Md., could include fire hall bingo, a bluegrass show or a lecture on White House social habits with a steep admission charge. The quaint coastal town, population 14,200, is a favored retreat for well-off Washingtonians looking to invest in a little R&R. The area also supports an emerging environmental science industry and a large bed-and-breakfast scene.

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6. Easton, Md.

Concentration of millionaires: 7.8%

Millionaire households: 20,410

Metropolitan population: 823,318

Households with $5 million+ in investable assets: 2,933

Median income (all households): $74,828

Maids-to-millionaires ratio: 6:100

Oxnard’s millionaires uphold a long tradition: Clark Gable, Charlie Chaplin and John Wayne were among the early moneybags to frequent the sunny oceanfront city, 60 miles northwest of Los Angeles. Today, the area, which includes Thousand Oaks and Ventura, remains popular with beach-bound vacationers, as well as naval contractors and high-powered businesses shipping through Hueneme, a major Pacific port.

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7. Oxnard, Cal.

Concentration of millionaires: 7.6%

Millionaire households: 904

Metropolitan population: 31,275

Households with $5 million+ in investable assets: 130

Median income (all households): $76,437

Maids-to-millionaires ratio: 27:100*

Juneau, a major cruise port, sees thousands of globe-trotting visitors pass through its hotels and restaurants each year. But millionaires dwell in the Alaskan capital, as well. Many politicians and state lobbyists make their homes in the small, secluded city, as do the moneyed denizens of Hecla Mining, which drills for silver, gold and zinc 15 miles to the south.

*The data used to calculate the number of maids in Juneau includes surrounding, sparsely populated areas.

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8. Juneau, Alaska

Concentration of millionaires: 7.6%

Millionaire households: 24,106

Metropolitan population: 953,207

Households with $5 million+ in investable assets: 3,455

Median income (all households): $67,066

Maids-to-millionaires ratio: 22:100

Honolulu’s turquoise harbors and postcard-perfect sands need no explanation. The scenery is a magnet for any mainland retiree who can afford the rent. Patioed mansions dot the streets of Kahala, Manoa and Nuaanu, and luxury high-rises have shot up downtown. Those digs don’t come cheap: The median home price in Honolulu is a cool $579,000.

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9. Honolulu, Hawaii

Concentration of millionaires: 7.5%

Millionaire households: 121,229

Metropolitan population: 4,335,391

Households with $5 million+ in investable assets: 17,376

Median income (all households): $74,876

Maids-to-millionaires ratio: 11:100

You almost have to make a million to live in San Francisco. The infamously expensive city, once a haven for hippies and art types, bears the most brutal housing market and some of the highest living costs in the country. With big-name employers such as Kaiser Permanente and Charles Schwab signing the paychecks, one in three households brings home more than $150,000 a year. The greater San Francisco area includes nearby Oakland and Fremont.

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10. San Francisco, Cal.

• MAP: Where Millionaires Live in America
• SLIDE SHOW: How to Be a Millionaire by Age 25
• SLIDE SHOW: 10 Best Value Cities for 2011
• SLIDE SHOW: 10 U.S. Cities With the Most Expensive Cost of Living
• SLIDE SHOW: 8 Great Places to Retire Abroad



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