Can I Afford to Live in Lubbock vs St. Paul 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.
Monthly budget breakdown
| Expense | Lubbock TX | St. Paul MN |
|---|---|---|
| Monthly take-home (est.) | $7,155 | $6,165 |
| 1BR rent | $1,000 | $1,500 |
| Groceries (est.) | $346 | $384 |
| Transport (est.) | $38 | $95 |
| Utilities | $172 | $195 |
| Internet | $58 | $63 |
| Left after essentials | $5,541/month | $3,928/month |
Frequently asked questions
Is $120K a good salary in Lubbock?
At $120K/year in Lubbock, your estimated monthly take-home is $7,155. With 1BR rent around $1,000/month, rent takes up 14% of your take-home. That's considered very comfortable.
Is $120K a good salary in St. Paul?
At $120K/year in St. Paul, your estimated monthly take-home is $6,165. With 1BR rent around $1,500/month, rent takes up 24% of your take-home. That's considered comfortable.
Which city is more affordable on a $120K salary?
Lubbock leaves you with more money after core expenses — $5,541/month vs $3,928/month in St. Paul.
Can I afford to live alone in Lubbock on $120K?
Yes. At $120K in Lubbock, rent takes 14% of your take-home, leaving $5,541/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