Can I Afford to Live in Oaxaca vs Springfield 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.

Oaxaca, MX
$2,728/mo take-home
Rent: $400/mo (15% of take-home)
Very comfortable
Springfield, IL
$2,562/mo take-home
Rent: $1,000/mo (39% of take-home)
Tight

Monthly budget breakdown

Oaxaca
MX
Springfield
IL
Monthly take-home (est.)
$2,728Best ✓
$2,562
1BR rent
$400Best ✓
$1,000
Groceries (est.)
$380
$357Best ✓
Transport (est.)
$150
$48Best ✓
Utilities
$45Best ✓
$155
Internet
$25Best ✓
$58
Left after essentials
$1,728/month
$944/month
Oaxaca (Oaxaca) has no state income tax, boosting take-home vs Springfield (IL rate: 5%).

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 Springfield?

At $40K/year in Springfield, your estimated monthly take-home is $2,562. With 1BR rent around $1,000/month, rent takes up 39% of your take-home. That's considered tight.

Which city is more affordable on a $40K salary?

Oaxaca leaves you with more money after core expenses — $1,728/month vs $944/month in Springfield.

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%.

Compare other salary bands — Oaxaca vs Springfield

$50K$60K$75K$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