Can I Afford to Live in Madison vs Amarillo 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.

Madison, WI
$3,408/mo take-home
Rent: $1,650/mo (48% of take-home)
Difficult
Amarillo, TX
$3,793/mo take-home
Rent: $950/mo (25% of take-home)
Comfortable
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Monthly budget breakdown

Madison
WI
Amarillo
TX
Monthly take-home (est.)
$3,408
$3,793Best ✓
1BR rent
$1,650
$950Best ✓
Groceries (est.)
$384
$346Best ✓
Transport (est.)
$62
$38Best ✓
Utilities
$162Best ✓
$170
Internet
$63
$60Best ✓
Left after essentials
$1,087/month
$2,229/month
Amarillo (Texas) has no state income tax, boosting take-home vs Madison (WI rate: 7.7%).

Frequently asked questions

Is $60K a good salary in Madison?

At $60K/year in Madison, your estimated monthly take-home is $3,408. With 1BR rent around $1,650/month, rent takes up 48% of your take-home. That's considered difficult.

Is $60K a good salary in Amarillo?

At $60K/year in Amarillo, your estimated monthly take-home is $3,793. With 1BR rent around $950/month, rent takes up 25% of your take-home. That's considered comfortable.

Which city is more affordable on a $60K salary?

Amarillo leaves you with more money after core expenses — $2,229/month vs $1,087/month in Madison.

Can I afford to live alone in Madison on $60K?

It's tight. Rent in Madison would take 48% of your $60K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — Madison vs Amarillo

$40K$50K$75K$80K$100K$120K$150K

See the full cost-of-living comparison

Rent, groceries, taxes, transportation, and more — side by side.

Full comparison

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