Can I Afford to Live in Boston vs St. Louis 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.
Monthly budget breakdown
| Expense | Boston MA | St. Louis MO |
|---|---|---|
| Monthly take-home (est.) | $6,655 | $6,685 |
| 1BR rent | $3,000 | $1,300 |
| Groceries (est.) | $418 | $369 |
| Transport (est.) | $90 | $75 |
| Utilities | $185 | $162 |
| Internet | $70 | $60 |
| Left after essentials | $2,892/month | $4,719/month |
Frequently asked questions
Is $120K a good salary in Boston?
At $120K/year in Boston, your estimated monthly take-home is $6,655. With 1BR rent around $3,000/month, rent takes up 45% of your take-home. That's considered difficult.
Is $120K a good salary in St. Louis?
At $120K/year in St. Louis, your estimated monthly take-home is $6,685. With 1BR rent around $1,300/month, rent takes up 19% of your take-home. That's considered very comfortable.
Which city is more affordable on a $120K salary?
St. Louis leaves you with more money after core expenses — $4,719/month vs $2,892/month in Boston.
Can I afford to live alone in Boston on $120K?
It's tight. Rent in Boston would take 45% of your $120K 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