Can I Afford to Live in Chattanooga vs Phoenix 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 | Chattanooga TN | Phoenix AZ |
|---|---|---|
| Monthly take-home (est.) | $6,321 | $6,113 |
| 1BR rent | $1,250 | $1,500 |
| Groceries (est.) | $357 | $369 |
| Transport (est.) | $45 | $64 |
| Utilities | $165 | $210 |
| Internet | $58 | $60 |
| Left after essentials | $4,446/month | $3,910/month |
Frequently asked questions
Is $100K a good salary in Chattanooga?
At $100K/year in Chattanooga, your estimated monthly take-home is $6,321. With 1BR rent around $1,250/month, rent takes up 20% of your take-home. That's considered very comfortable.
Is $100K a good salary in Phoenix?
At $100K/year in Phoenix, your estimated monthly take-home is $6,113. With 1BR rent around $1,500/month, rent takes up 25% of your take-home. That's considered comfortable.
Which city is more affordable on a $100K salary?
Chattanooga leaves you with more money after core expenses — $4,446/month vs $3,910/month in Phoenix.
Can I afford to live alone in Chattanooga on $100K?
Yes. At $100K in Chattanooga, rent takes 20% of your take-home, leaving $4,446/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