Can I Afford to Live in Rapid City vs Cartagena 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.

Rapid City, SD
$5,057/mo take-home
Rent: $1,200/mo (24% of take-home)
Comfortable
Cartagena, CO
$5,057/mo take-home
Rent: $560/mo (11% of take-home)
Very comfortable

Monthly budget breakdown

Rapid City
SD
Cartagena
CO
Monthly take-home (est.)
$5,057Best ✓
$5,057
1BR rent
$1,200
$560Best ✓
Groceries (est.)
$365Best ✓
$380
Transport (est.)
$40Best ✓
$150
Utilities
$148
$70Best ✓
Internet
$65
$30Best ✓
Left after essentials
$3,239/month
$3,867/month
Both Rapid City and Cartagena have no state income tax — your take-home is higher than in most states.

Frequently asked questions

Is $80K a good salary in Rapid City?

At $80K/year in Rapid City, your estimated monthly take-home is $5,057. With 1BR rent around $1,200/month, rent takes up 24% of your take-home. That's considered comfortable.

Is $80K a good salary in Cartagena?

At $80K/year in Cartagena, your estimated monthly take-home is $5,057. With 1BR rent around $560/month, rent takes up 11% of your take-home. That's considered very comfortable.

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

Cartagena leaves you with more money after core expenses — $3,867/month vs $3,239/month in Rapid City.

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

Yes. At $80K in Rapid City, rent takes 24% of your take-home, leaving $3,239/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Rapid City vs Cartagena

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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