Can I Afford to Live in Columbus vs Cartagena 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.

Columbus, OH
$6,855/mo take-home
Rent: $1,250/mo (18% of take-home)
Very comfortable
Cartagena, CO
$7,155/mo take-home
Rent: $560/mo (8% of take-home)
Very comfortable

Monthly budget breakdown

Columbus
OH
Cartagena
CO
Monthly take-home (est.)
$6,855
$7,155Best ✓
1BR rent
$1,250
$560Best ✓
Groceries (est.)
$361Best ✓
$380
Transport (est.)
$62Best ✓
$150
Utilities
$155
$70Best ✓
Internet
$60
$30Best ✓
Left after essentials
$4,967/month
$5,965/month
Cartagena (Bolívar) has no state income tax, boosting take-home vs Columbus (OH rate: 3%).

Frequently asked questions

Is $120K a good salary in Columbus?

At $120K/year in Columbus, your estimated monthly take-home is $6,855. With 1BR rent around $1,250/month, rent takes up 18% of your take-home. That's considered very comfortable.

Is $120K a good salary in Cartagena?

At $120K/year in Cartagena, your estimated monthly take-home is $7,155. With 1BR rent around $560/month, rent takes up 8% of your take-home. That's considered very comfortable.

Which city is more affordable on a $120K salary?

Cartagena leaves you with more money after core expenses — $5,965/month vs $4,967/month in Columbus.

Can I afford to live alone in Columbus on $120K?

Yes. At $120K in Columbus, rent takes 18% of your take-home, leaving $4,967/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Columbus vs Cartagena

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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