Can I Afford to Live in Cartagena vs Knoxville 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.

Cartagena, CO
$5,057/mo take-home
Rent: $560/mo (11% of take-home)
Very comfortable
Knoxville, TN
$5,057/mo take-home
Rent: $1,300/mo (26% of take-home)
Comfortable

Monthly budget breakdown

Cartagena
CO
Knoxville
TN
Monthly take-home (est.)
$5,057Best ✓
$5,057
1BR rent
$560Best ✓
$1,300
Groceries (est.)
$380
$361Best ✓
Transport (est.)
$150
$45Best ✓
Utilities
$70Best ✓
$168
Internet
$30Best ✓
$60
Left after essentials
$3,867/month
$3,123/month
Both Cartagena and Knoxville have no state income tax — your take-home is higher than in most states.

Frequently asked questions

Is $80K a good salary in Cartagena?

At $80K/year in Cartagena, your estimated monthly take-home is $5,057. With 1BR rent around $560/month, rent takes up 11% of your take-home. That's considered very comfortable.

Is $80K a good salary in Knoxville?

At $80K/year in Knoxville, your estimated monthly take-home is $5,057. With 1BR rent around $1,300/month, rent takes up 26% of your take-home. That's considered comfortable.

Which city is more affordable on a $80K salary?

Cartagena leaves you with more money after core expenses — $3,867/month vs $3,123/month in Knoxville.

Can I afford to live alone in Cartagena on $80K?

Yes. At $80K in Cartagena, rent takes 11% of your take-home, leaving $3,867/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Cartagena vs Knoxville

$40K$50K$60K$75K$100K$120K$150K

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