Can I Afford to Live in Madison vs Koh Samui 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.

Madison, WI
$2,472/mo take-home
Rent: $1,650/mo (67% of take-home)
Difficult
Koh Samui, TH
$2,728/mo take-home
Rent: $620/mo (23% of take-home)
Comfortable
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Monthly budget breakdown

Madison
WI
Koh Samui
TH
Monthly take-home (est.)
$2,472
$2,728Best ✓
1BR rent
$1,650
$620Best ✓
Groceries (est.)
$384
$380Best ✓
Transport (est.)
$62Best ✓
$150
Utilities
$162
$70Best ✓
Internet
$63
$28Best ✓
Left after essentials
$151/month
$1,480/month
Koh Samui (Surat Thani Province) has no state income tax, boosting take-home vs Madison (WI rate: 7.7%).

Frequently asked questions

Is $40K a good salary in Madison?

At $40K/year in Madison, your estimated monthly take-home is $2,472. With 1BR rent around $1,650/month, rent takes up 67% of your take-home. That's considered difficult.

Is $40K a good salary in Koh Samui?

At $40K/year in Koh Samui, your estimated monthly take-home is $2,728. With 1BR rent around $620/month, rent takes up 23% of your take-home. That's considered comfortable.

Which city is more affordable on a $40K salary?

Koh Samui leaves you with more money after core expenses — $1,480/month vs $151/month in Madison.

Can I afford to live alone in Madison on $40K?

It's tight. Rent in Madison would take 67% of your $40K 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 Koh Samui

$50K$60K$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