Can I Afford to Live in Boise vs New York 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 | Boise ID | New York NY |
|---|---|---|
| Monthly take-home (est.) | $4,670 | $4,597 |
| 1BR rent | $1,600 | $3,500 |
| Groceries (est.) | $372 | $437 |
| Transport (est.) | $45 | $132 |
| Utilities | $145 | $180 |
| Internet | $60 | $75 |
| Left after essentials | $2,448/month | $273/month |
Frequently asked questions
Is $80K a good salary in Boise?
At $80K/year in Boise, your estimated monthly take-home is $4,670. With 1BR rent around $1,600/month, rent takes up 34% of your take-home. That's considered manageable.
Is $80K a good salary in New York?
At $80K/year in New York, your estimated monthly take-home is $4,597. With 1BR rent around $3,500/month, rent takes up 76% of your take-home. That's considered difficult.
Which city is more affordable on a $80K salary?
Boise leaves you with more money after core expenses — $2,448/month vs $273/month in New York.
Can I afford to live alone in Boise on $80K?
Yes. At $80K in Boise, rent takes 34% of your take-home, leaving $2,448/month after essentials. Most financial planners recommend keeping rent below 30%.
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