Can I Afford to Live in Phoenix vs Wilmington 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 | Wilmington NC |
|---|---|---|
| Monthly take-home (est.) | $6,113 | $5,946 |
| 1BR rent | $1,500 | $1,550 |
| Groceries (est.) | $369 | $372 |
| Transport (est.) | $64 | $45 |
| Utilities | $210 | $158 |
| Internet | $60 | $62 |
| Left after essentials | $3,910/month | $3,759/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 Wilmington?
At $100K/year in Wilmington, your estimated monthly take-home is $5,946. 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?
Phoenix leaves you with more money after core expenses — $3,910/month vs $3,759/month in Wilmington.
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