NEW YORK (TheStreet) -- Would you be willing to miss a mortgage payment in order to be fed by some of the finest chefs in the world? If that's the case than you're in luck: Exclusive, fancy restaurants are really expensive!

The good news is, no matter where you live, there's one worth visiting (if you can afford it) near you. 

Restaurant and bar review experts Zagat share with TheStreet just how expensive it would be to dine at the most expensive restaurant in 14 of the largest U.S. cities. The prices include the cost of dinner, one drink and tip, a spokesperson said. This list does not factor in restaurants that may have opened recently or that haven't undergone the Google-owned (GOOG - Get Report) service's survey process. 

Click through to see which restaurant is the most expensive in each city and which city has the most expensive restaurant. 



14. Monarch


Cost per person: $76

Located in Hotel ZaZa near Houston's Museum District, Monarch is the place to "see-and-be-seen," Zagat says, while munching on Executive Sous Chef Jonathan Wicks' seasonal take on New American cuisine.

13. Spoon Bar & Kitchen


Cost per person: $93

Executive Chef John Tesar has created a "responsibly-sourced seafood" menu that is worth every penny. "Every bite is music in the mouth" at Tesar's seafood "nirvana," Zagat says.

Denver/Mountain Resorts

Cost per person: $101

A night at the Penrose is like entering a fairytale for the evening. With its penthouse views of the mountains and lake as well as its attention to culinary detail, it's worth the expensive tab, Zagat says.

11. Bacchanalia


Cost per person: $107

Chefs/owners Anne Quatrano and Clifford Harrison have created a "foodie's delight" at one of Atlanta's consistently top-10 rated restaurant, Zagat says.

10. Addison

San Diego

Cost per person: $130

Experiencing the "ethereal flavors" through Relais & Chateaux Grand Chef William Bradley's take on contemporary French cuisine at this posh restaurant, located in The Grand Del Mar, may also mean you'll have to "pawn the family jewels to afford it," Zagat says.

9. Restaurant Jezebel


Cost per person: $134

With just eight tables at this downtown Austin restaurant, "nothing else in Austin is quite like" Restaurant Jezebel. Price fix menus are created based on individual guest preferences, Zagat says.


8. Menton


Cost per person: $141

If you have the expendable income to splurge on Chef Barbara Lynch's French-Italian-inspired price fixe-only dinners, "every morsel will dance on your tongue," Zagat says.

7. Vetri


Cost per person: $175

Taking Italian to a "new level," the experience at Vetri becomes "more fantasy than restaurant," despite being "outrageously expensive," Zagat says.

6. Komi

Washington, D.C.

Cost per person: $176

If you can get a table at this pricey "gastro-adventure," you won't be disappointed, says Zagat. Komi offers individualized multi-course tasting dinners for intimate groups (four or less).


5. The Herbfarm


Average cost per person: $215

Prepare to settle in for an evening when visiting The Herbfarm. With just a single seating nightly diners experience a nine-course meal with six matching wines. Zagat says the "astronomically expensive" bill matches an unforgettable experience.


4. Alinea


Average cost per person: $273

Going one step further than the traditional tasting menu, diner's experience 18-22 courses of "delicious," "fun," "emotional" and "provocative" food, according to its Web site. Zagat says "expect to be wowed" at this "unrivaled" restaurant.


3. Saison

San Francisco

Cost per person: $381

Although the price tag on Saison's culinary experience is "undeniably expensive," Zagat says, fans of this San Francisco restaurant say they would "eat a month's worth of Ramen noodles" to be able to dine here.


2. Urasawa

Los Angeles

Cost per person: $514

For sushi connosseuirs, eating at Urasawa in Beverly Hills is "worth having at least once in your lifetime," Zagat says.

And the most expensive restaurant in the U.S. is...


1. Masa

New York

Cost per person: $585

For the ultimate sushi experience, dining with Chef Masayoshi Takayama is "worth skipping the mortgage payment for," Zagat says.

-Written by Laurie Kulikowski in New York.

Follow @LKulikowski