Can I Afford to Live in Fort Collins vs Las Cruces on $150K?
Here's how a $150K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Fort Collins CO | Las Cruces NM |
|---|---|---|
| Monthly take-home (est.) | $8,394 | $8,331 |
| 1BR rent | $1,700 | $1,000 |
| Groceries (est.) | $384 | $350 |
| Transport (est.) | $55 | $38 |
| Utilities | $140 | $152 |
| Internet | $65 | $60 |
| Left after essentials | $6,050/month | $6,731/month |
Frequently asked questions
Is $150K a good salary in Fort Collins?
At $150K/year in Fort Collins, your estimated monthly take-home is $8,394. With 1BR rent around $1,700/month, rent takes up 20% of your take-home. That's considered very comfortable.
Is $150K a good salary in Las Cruces?
At $150K/year in Las Cruces, your estimated monthly take-home is $8,331. With 1BR rent around $1,000/month, rent takes up 12% of your take-home. That's considered very comfortable.
Which city is more affordable on a $150K salary?
Las Cruces leaves you with more money after core expenses — $6,731/month vs $6,050/month in Fort Collins.
Can I afford to live alone in Fort Collins on $150K?
Yes. At $150K in Fort Collins, rent takes 20% of your take-home, leaving $6,050/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