Can I Afford to Live in Amarillo vs Stockton on $120K?

Here's how a $120K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Amarillo, TX
$7,155/mo take-home
Rent: $950/mo (13% of take-home)
Very comfortable
Stockton, CA
$6,225/mo take-home
Rent: $1,500/mo (24% of take-home)
Comfortable
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Monthly budget breakdown

Amarillo
TX
Stockton
CA
Monthly take-home (est.)
$7,155Best ✓
$6,225
1BR rent
$950Best ✓
$1,500
Groceries (est.)
$346Best ✓
$388
Transport (est.)
$38Best ✓
$68
Utilities
$170
$145Best ✓
Internet
$60Best ✓
$65
Left after essentials
$5,591/month
$4,059/month
Amarillo (Texas) has no state income tax, boosting take-home vs Stockton (CA rate: 9.3%).

Frequently asked questions

Is $120K a good salary in Amarillo?

At $120K/year in Amarillo, your estimated monthly take-home is $7,155. With 1BR rent around $950/month, rent takes up 13% of your take-home. That's considered very comfortable.

Is $120K a good salary in Stockton?

At $120K/year in Stockton, your estimated monthly take-home is $6,225. With 1BR rent around $1,500/month, rent takes up 24% of your take-home. That's considered comfortable.

Which city is more affordable on a $120K salary?

Amarillo leaves you with more money after core expenses — $5,591/month vs $4,059/month in Stockton.

Can I afford to live alone in Amarillo on $120K?

Yes. At $120K in Amarillo, rent takes 13% of your take-home, leaving $5,591/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Amarillo vs Stockton

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See the full cost-of-living comparison

Rent, groceries, taxes, transportation, and more — side by side.

Full comparison

Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only