Can I Afford to Live in Boulder vs Memphis on $100K?
Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Boulder CO | Memphis TN |
|---|---|---|
| Monthly take-home (est.) | $5,954 | $6,321 |
| 1BR rent | $2,300 | $1,100 |
| Groceries (est.) | $414 | $357 |
| Transport (est.) | $80 | $55 |
| Utilities | $138 | $170 |
| Internet | $68 | $55 |
| Left after essentials | $2,954/month | $4,584/month |
Frequently asked questions
Is $100K a good salary in Boulder?
At $100K/year in Boulder, your estimated monthly take-home is $5,954. With 1BR rent around $2,300/month, rent takes up 39% of your take-home. That's considered tight.
Is $100K a good salary in Memphis?
At $100K/year in Memphis, your estimated monthly take-home is $6,321. With 1BR rent around $1,100/month, rent takes up 17% of your take-home. That's considered very comfortable.
Which city is more affordable on a $100K salary?
Memphis leaves you with more money after core expenses — $4,584/month vs $2,954/month in Boulder.
Can I afford to live alone in Boulder on $100K?
It's tight. Rent in Boulder would take 39% of your $100K 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