Aerial view to downtown financial district at night in San Francisco.
Credit: Getty Images

Celebrating your love shouldn’t cost you an arm and a leg, but special occasions can really add up. Especially if you live in certain cities.

According to Wallethub, Americans collectively will spend $19.6 billion on Valentine’s Day between gifts, jewelry, and dinner plans. On average, each person spends about $143.56. But the most romantic day of the year doesn’t have to put a strain on your wallet. You just have to be at the right place at the right time.

With that in mind, Wallethub determined the most romantic and cost-effective cities for celebrating Valentine’s Day, comparing 100 of the largest U.S. cities across 23 key metrics, ranging from florists per capita to cost of a three-course meal for two. Each metric was graded on a 100-point scale, with a score of 100 representing the most favorable conditions for celebrating Valentine’s Day.

As a result of their findings, the top five cities for lovers on Valentine’s Day happen to be San Francisco, San Diego, Las Vegas, Orlando and Chicago.

Unfortunately, Wallethub found the least desirable cities for Valentine’s Day to be Cleveland, San Bernardino, Detroit, Newark, and finally, Hialeah, Florida.

As for some other larger cities on the map, New York City ranked sixth, Los Angeles ranked 10th, and Washington D.C. ranked 14th.

For more information on the survey, and to see where your city ranked on the list, visit the Wallethub website.