Can I Afford to Live in San Francisco vs Missoula 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.
Monthly budget breakdown
| Expense | San Francisco CA | Missoula MT |
|---|---|---|
| Monthly take-home (est.) | $4,437 | $4,603 |
| 1BR rent | $3,600 | $1,300 |
| Groceries (est.) | $448 | $376 |
| Transport (est.) | $100 | $45 |
| Utilities | $160 | $145 |
| Internet | $70 | $68 |
| Left after essentials | $59/month | $2,669/month |
Frequently asked questions
Is $80K a good salary in San Francisco?
At $80K/year in San Francisco, your estimated monthly take-home is $4,437. With 1BR rent around $3,600/month, rent takes up 81% of your take-home. That's considered difficult.
Is $80K a good salary in Missoula?
At $80K/year in Missoula, your estimated monthly take-home is $4,603. With 1BR rent around $1,300/month, rent takes up 28% of your take-home. That's considered manageable.
Which city is more affordable on a $80K salary?
Missoula leaves you with more money after core expenses — $2,669/month vs $59/month in San Francisco.
Can I afford to live alone in San Francisco on $80K?
It's tight. Rent in San Francisco would take 81% of your $80K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.
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