Can I Afford to Live in New York vs São Paulo 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.

New York, NY
$4,309/mo take-home
Rent: $3,500/mo (81% of take-home)
Difficult
São Paulo, BR
$4,741/mo take-home
Rent: $720/mo (15% of take-home)
Very comfortable
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Monthly budget breakdown

New York
NY
São Paulo
BR
Monthly take-home (est.)
$4,309
$4,741Best ✓
1BR rent
$3,500
$720Best ✓
Groceries (est.)
$437
$380Best ✓
Transport (est.)
$132Best ✓
$150
Utilities
$180
$85Best ✓
Internet
$75
$32Best ✓
Left after essentials
-$15/month
$3,374/month
São Paulo (São Paulo State) has no state income tax, boosting take-home vs New York (NY rate: 6.9%).

Frequently asked questions

Is $75K a good salary in New York?

At $75K/year in New York, your estimated monthly take-home is $4,309. With 1BR rent around $3,500/month, rent takes up 81% of your take-home. That's considered difficult.

Is $75K a good salary in São Paulo?

At $75K/year in São Paulo, your estimated monthly take-home is $4,741. With 1BR rent around $720/month, rent takes up 15% of your take-home. That's considered very comfortable.

Which city is more affordable on a $75K salary?

São Paulo leaves you with more money after core expenses — $3,374/month vs $-15/month in New York.

Can I afford to live alone in New York on $75K?

It's tight. Rent in New York would take 81% of your $75K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — New York vs São Paulo

$40K$50K$60K$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