Can I Afford to Live in Des Moines vs Las Cruces on $60K?
Here's how a $60K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Des Moines IA | Las Cruces NM |
|---|---|---|
| Monthly take-home (est.) | $3,508 | $3,548 |
| 1BR rent | $1,200 | $1,000 |
| Groceries (est.) | $365 | $350 |
| Transport (est.) | $50 | $38 |
| Utilities | $155 | $152 |
| Internet | $60 | $60 |
| Left after essentials | $1,678/month | $1,948/month |
Frequently asked questions
Is $60K a good salary in Des Moines?
At $60K/year in Des Moines, your estimated monthly take-home is $3,508. With 1BR rent around $1,200/month, rent takes up 34% of your take-home. That's considered manageable.
Is $60K a good salary in Las Cruces?
At $60K/year in Las Cruces, your estimated monthly take-home is $3,548. With 1BR rent around $1,000/month, rent takes up 28% of your take-home. That's considered manageable.
Which city is more affordable on a $60K salary?
Las Cruces leaves you with more money after core expenses — $1,948/month vs $1,678/month in Des Moines.
Can I afford to live alone in Des Moines on $60K?
Yes. At $60K in Des Moines, rent takes 34% of your take-home, leaving $1,678/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