Can I Afford to Live in Miami vs Playa del Carmen on $100K?

Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Miami, FL
$6,321/mo take-home
Rent: $2,500/mo (40% of take-home)
Tight
Playa del Carmen, MX
$6,321/mo take-home
Rent: $800/mo (13% of take-home)
Very comfortable
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Monthly budget breakdown

Miami
FL
Playa del Carmen
MX
Monthly take-home (est.)
$6,321Best ✓
$6,321
1BR rent
$2,500
$800Best ✓
Groceries (est.)
$399
$380Best ✓
Transport (est.)
$112Best ✓
$150
Utilities
$185
$55Best ✓
Internet
$70
$35Best ✓
Left after essentials
$3,055/month
$4,901/month
Both Miami and Playa del Carmen have no state income tax — your take-home is higher than in most states.

Frequently asked questions

Is $100K a good salary in Miami?

At $100K/year in Miami, your estimated monthly take-home is $6,321. With 1BR rent around $2,500/month, rent takes up 40% of your take-home. That's considered tight.

Is $100K a good salary in Playa del Carmen?

At $100K/year in Playa del Carmen, your estimated monthly take-home is $6,321. With 1BR rent around $800/month, rent takes up 13% of your take-home. That's considered very comfortable.

Which city is more affordable on a $100K salary?

Playa del Carmen leaves you with more money after core expenses — $4,901/month vs $3,055/month in Miami.

Can I afford to live alone in Miami on $100K?

It's tight. Rent in Miami would take 40% of your $100K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — Miami vs Playa del Carmen

$40K$50K$60K$75K$80K$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