Can I Afford to Live in Phoenix vs Des Moines on $80K?

Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Phoenix, AZ
$4,890/mo take-home
Rent: $1,500/mo (31% of take-home)
Manageable
Des Moines, IA
$4,677/mo take-home
Rent: $1,200/mo (26% of take-home)
Comfortable
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Monthly budget breakdown

Phoenix
AZ
Des Moines
IA
Monthly take-home (est.)
$4,890Best ✓
$4,677
1BR rent
$1,500
$1,200Best ✓
Groceries (est.)
$369
$365Best ✓
Transport (est.)
$64
$50Best ✓
Utilities
$210
$155Best ✓
Internet
$60Best ✓
$60
Left after essentials
$2,687/month
$2,847/month

Frequently asked questions

Is $80K a good salary in Phoenix?

At $80K/year in Phoenix, your estimated monthly take-home is $4,890. With 1BR rent around $1,500/month, rent takes up 31% of your take-home. That's considered manageable.

Is $80K a good salary in Des Moines?

At $80K/year in Des Moines, your estimated monthly take-home is $4,677. With 1BR rent around $1,200/month, rent takes up 26% of your take-home. That's considered comfortable.

Which city is more affordable on a $80K salary?

Des Moines leaves you with more money after core expenses — $2,847/month vs $2,687/month in Phoenix.

Can I afford to live alone in Phoenix on $80K?

Yes. At $80K in Phoenix, rent takes 31% of your take-home, leaving $2,687/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Phoenix vs Des Moines

$40K$50K$60K$75K$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