Can I Afford to Live in Lincoln vs Billings 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 | Lincoln NE | Billings MT |
|---|---|---|
| Monthly take-home (est.) | $3,503 | $3,453 |
| 1BR rent | $1,150 | $1,200 |
| Groceries (est.) | $357 | $369 |
| Transport (est.) | $48 | $42 |
| Utilities | $152 | $148 |
| Internet | $58 | $68 |
| Left after essentials | $1,738/month | $1,626/month |
Frequently asked questions
Is $60K a good salary in Lincoln?
At $60K/year in Lincoln, your estimated monthly take-home is $3,503. With 1BR rent around $1,150/month, rent takes up 33% of your take-home. That's considered manageable.
Is $60K a good salary in Billings?
At $60K/year in Billings, your estimated monthly take-home is $3,453. With 1BR rent around $1,200/month, rent takes up 35% of your take-home. That's considered manageable.
Which city is more affordable on a $60K salary?
Lincoln leaves you with more money after core expenses — $1,738/month vs $1,626/month in Billings.
Can I afford to live alone in Lincoln on $60K?
Yes. At $60K in Lincoln, rent takes 33% of your take-home, leaving $1,738/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