Can I Afford to Live in Las Cruces vs St. Paul on $40K?
Here's how a $40K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Las Cruces NM | St. Paul MN |
|---|---|---|
| Monthly take-home (est.) | $2,565 | $2,398 |
| 1BR rent | $1,000 | $1,500 |
| Groceries (est.) | $350 | $384 |
| Transport (est.) | $38 | $95 |
| Utilities | $152 | $195 |
| Internet | $60 | $63 |
| Left after essentials | $965/month | $161/month |
Frequently asked questions
Is $40K a good salary in Las Cruces?
At $40K/year in Las Cruces, your estimated monthly take-home is $2,565. With 1BR rent around $1,000/month, rent takes up 39% of your take-home. That's considered tight.
Is $40K a good salary in St. Paul?
At $40K/year in St. Paul, your estimated monthly take-home is $2,398. With 1BR rent around $1,500/month, rent takes up 63% of your take-home. That's considered difficult.
Which city is more affordable on a $40K salary?
Las Cruces leaves you with more money after core expenses — $965/month vs $161/month in St. Paul.
Can I afford to live alone in Las Cruces on $40K?
It's tight. Rent in Las Cruces would take 39% of your $40K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.
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