Your efforts to get to Philly based on your misunderstanding about your starting point are almost certainly doomed to failure (those pesky oceans, for instance, are going to be a real shock).
You have to choose constantly whether, for instance, you want a weapon that boosts critical hit or is imbued with shock or inferno damage, and so forth.
San Francisco, for instance, is expensive almost everywhere: even the cheapest San Francisco neighborhood would give sticker shock to Kansas City or Atlanta residents.