Can I Afford to Live in Phoenix vs Boston 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 | Phoenix AZ | Boston MA |
|---|---|---|
| Monthly take-home (est.) | $6,113 | $5,904 |
| 1BR rent | $1,500 | $3,000 |
| Groceries (est.) | $369 | $418 |
| Transport (est.) | $64 | $90 |
| Utilities | $210 | $185 |
| Internet | $60 | $70 |
| Left after essentials | $3,910/month | $2,141/month |
Frequently asked questions
Is $100K a good salary in Phoenix?
At $100K/year in Phoenix, your estimated monthly take-home is $6,113. With 1BR rent around $1,500/month, rent takes up 25% of your take-home. That's considered comfortable.
Is $100K a good salary in Boston?
At $100K/year in Boston, your estimated monthly take-home is $5,904. With 1BR rent around $3,000/month, rent takes up 51% of your take-home. That's considered difficult.
Which city is more affordable on a $100K salary?
Phoenix leaves you with more money after core expenses — $3,910/month vs $2,141/month in Boston.
Can I afford to live alone in Phoenix on $100K?
Yes. At $100K in Phoenix, rent takes 25% of your take-home, leaving $3,910/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