Can I Afford to Live in Oaxaca vs Billings 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.
Monthly budget breakdown
| Expense | Oaxaca MX | Billings MT |
|---|---|---|
| Monthly take-home (est.) | $2,728 | $2,502 |
| 1BR rent | $400 | $1,200 |
| Groceries (est.) | $380 | $369 |
| Transport (est.) | $150 | $42 |
| Utilities | $45 | $148 |
| Internet | $25 | $68 |
| Left after essentials | $1,728/month | $675/month |
Frequently asked questions
Is $40K a good salary in Oaxaca?
At $40K/year in Oaxaca, your estimated monthly take-home is $2,728. With 1BR rent around $400/month, rent takes up 15% of your take-home. That's considered very comfortable.
Is $40K a good salary in Billings?
At $40K/year in Billings, your estimated monthly take-home is $2,502. With 1BR rent around $1,200/month, rent takes up 48% of your take-home. That's considered difficult.
Which city is more affordable on a $40K salary?
Oaxaca leaves you with more money after core expenses — $1,728/month vs $675/month in Billings.
Can I afford to live alone in Oaxaca on $40K?
Yes. At $40K in Oaxaca, rent takes 15% of your take-home, leaving $1,728/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