Oaxaca vs Lima for Singles (2026)
Scroll down for rent burden, savings estimate, and FAQ.
Your move simulator
Slide to match your household — estimates combine take-home, rent, and groceries.
Estimated annual swing
+$1,200/yr
Favoring Oaxaca for this income & household (illustrative).
With an extra $100/mo in Oaxaca, you could max a Roth IRA contribution faster and still increase your fun budget.
While you’re comparing — don’t leave money on the table.
Cash-back card
Best everyday cards for Oaxaca
Maximize cash back on groceries, dining, and transit — categories that grow after a move.
High-yield savings
Grow your move fund while rates are high
Even $100/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Home + auto bundle
New state — compare rates before you sign
Moving to Oaxaca resets your insurance profile. Bundling home + auto often saves 15–25%.
Single-person cost breakdown
| Metric | Oaxaca Oaxaca | Lima Lima Province | Your impact |
|---|---|---|---|
| Studio rent / month | $300Better | $370 | $840/yr saves in Oaxaca |
| 1BR rent / month | $400Better | $500 | $1,200/yr saves in Oaxaca |
| Est. single-person income | — | — | — |
| Est. monthly take-home | — | — | — |
| Studio rent burden | — | — | — |
| Groceries index (US = 100) | — | — | — |
| State income tax | NoneBetter | None | — |
| Walk score | 70 / 100Better | 62 / 100 | — |
| Overall COL index (100 = US avg) | 32Better | 40 | — |
Your biggest money opportunities based on this comparison.
Renters insurance
Oaxaca saves ~$70/mo on rent
Solo renters often skip insurance — but your electronics, furniture, and belongings add up fast.
While you’re comparing — don’t leave money on the table.
Mortgages
See what you can afford in Lima
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Lima homeowners + auto quotes before your move date.
Moving Rewards Card
Turn closing costs & moving expenses into cash back
Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is more affordable for a single person — Oaxaca or Lima?
For a single person, Oaxaca comes out ahead on overall affordability. Studio rents are $300 in Oaxaca vs $370 in Lima. Oaxaca is ~20% cheaper overall, which matters significantly on a single income.
What is the rent burden for a single person in Oaxaca vs Lima?
Studio rent or income data is not available for Oaxaca.
How much can a single person save each month in Oaxaca vs Lima?
Savings estimates require income and rent data, which is not fully available for one or both cities.
Is it worth living alone in Oaxaca vs getting a roommate in Lima?
Splitting a 1BR in Lima ($500/person) vs a solo studio in Oaxaca ($300): splitting a 1BR in Lima ($250/person) is cheaper than a solo studio in Oaxaca ($300). Factor in the privacy premium and your living preferences when deciding.
Which city is better for a single person's social life?
Walkability is a proxy for urban density and access to dining, entertainment, and social spaces without a car. Oaxaca scores higher (70/100) — very walkable — great for spontaneous dining and social outings. For singles, a walkable neighborhood can significantly reduce the cost and friction of having an active social life.
Single-person income estimated at 60% of median household income. Take-home calculated using state income tax rate only. Savings estimate subtracts rent and estimated basic living costs. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026