Can I Afford to Live in Phnom Penh vs Santa Fe on $100K?
Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Phnom Penh KH | Santa Fe NM |
|---|---|---|
| Monthly take-home (est.) | $6,321 | $5,913 |
| 1BR rent | $350 | $1,550 |
| Groceries (est.) | $380 | $376 |
| Transport (est.) | $150 | $40 |
| Utilities | $60 | $158 |
| Internet | $40 | $65 |
| Left after essentials | $5,341/month | $3,724/month |
Frequently asked questions
Is $100K a good salary in Phnom Penh?
At $100K/year in Phnom Penh, your estimated monthly take-home is $6,321. With 1BR rent around $350/month, rent takes up 6% of your take-home. That's considered very comfortable.
Is $100K a good salary in Santa Fe?
At $100K/year in Santa Fe, your estimated monthly take-home is $5,913. With 1BR rent around $1,550/month, rent takes up 26% of your take-home. That's considered comfortable.
Which city is more affordable on a $100K salary?
Phnom Penh leaves you with more money after core expenses — $5,341/month vs $3,724/month in Santa Fe.
Can I afford to live alone in Phnom Penh on $100K?
Yes. At $100K in Phnom Penh, rent takes 6% of your take-home, leaving $5,341/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