Can I Afford to Live in Austin vs Chattanooga on $80K?
Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Austin TX | Chattanooga TN |
|---|---|---|
| Monthly take-home (est.) | $5,057 | $5,057 |
| 1BR rent | $1,800 | $1,250 |
| Groceries (est.) | $372 | $357 |
| Transport (est.) | $50 | $45 |
| Utilities | $170 | $165 |
| Internet | $65 | $58 |
| Left after essentials | $2,600/month | $3,182/month |
Frequently asked questions
Is $80K a good salary in Austin?
At $80K/year in Austin, your estimated monthly take-home is $5,057. With 1BR rent around $1,800/month, rent takes up 36% of your take-home. That's considered tight.
Is $80K a good salary in Chattanooga?
At $80K/year in Chattanooga, your estimated monthly take-home is $5,057. With 1BR rent around $1,250/month, rent takes up 25% of your take-home. That's considered comfortable.
Which city is more affordable on a $80K salary?
Chattanooga leaves you with more money after core expenses — $3,182/month vs $2,600/month in Austin.
Can I afford to live alone in Austin on $80K?
It's tight. Rent in Austin would take 36% of your $80K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
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