Can I Afford to Live in Montgomery vs Lubbock on $75K?
Here's how a $75K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Montgomery AL | Lubbock TX |
|---|---|---|
| Monthly take-home (est.) | $4,428 | $4,741 |
| 1BR rent | $1,050 | $1,000 |
| Groceries (est.) | $353 | $346 |
| Transport (est.) | $38 | $38 |
| Utilities | $170 | $172 |
| Internet | $58 | $58 |
| Left after essentials | $2,759/month | $3,127/month |
Frequently asked questions
Is $75K a good salary in Montgomery?
At $75K/year in Montgomery, your estimated monthly take-home is $4,428. With 1BR rent around $1,050/month, rent takes up 24% of your take-home. That's considered comfortable.
Is $75K a good salary in Lubbock?
At $75K/year in Lubbock, your estimated monthly take-home is $4,741. With 1BR rent around $1,000/month, rent takes up 21% of your take-home. That's considered very comfortable.
Which city is more affordable on a $75K salary?
Lubbock leaves you with more money after core expenses — $3,127/month vs $2,759/month in Montgomery.
Can I afford to live alone in Montgomery on $75K?
Yes. At $75K in Montgomery, rent takes 24% of your take-home, leaving $2,759/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