Can I Afford to Live in San Diego vs Koh Samui on $75K?

Here's how a $75K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

San Diego, CA
$4,159/mo take-home
Rent: $2,600/mo (63% of take-home)
Difficult
Koh Samui, TH
$4,741/mo take-home
Rent: $620/mo (13% of take-home)
Very comfortable
Share on X

Monthly budget breakdown

San Diego
CA
Koh Samui
TH
Monthly take-home (est.)
$4,159
$4,741Best ✓
1BR rent
$2,600
$620Best ✓
Groceries (est.)
$414
$380Best ✓
Transport (est.)
$100Best ✓
$150
Utilities
$130
$70Best ✓
Internet
$65
$28Best ✓
Left after essentials
$850/month
$3,493/month
Koh Samui (Surat Thani Province) has no state income tax, boosting take-home vs San Diego (CA rate: 9.3%).

Frequently asked questions

Is $75K a good salary in San Diego?

At $75K/year in San Diego, your estimated monthly take-home is $4,159. With 1BR rent around $2,600/month, rent takes up 63% of your take-home. That's considered difficult.

Is $75K a good salary in Koh Samui?

At $75K/year in Koh Samui, your estimated monthly take-home is $4,741. With 1BR rent around $620/month, rent takes up 13% of your take-home. That's considered very comfortable.

Which city is more affordable on a $75K salary?

Koh Samui leaves you with more money after core expenses — $3,493/month vs $850/month in San Diego.

Can I afford to live alone in San Diego on $75K?

It's tight. Rent in San Diego would take 63% of your $75K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — San Diego vs Koh Samui

$40K$50K$60K$80K$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