Can I Afford to Live in Tampa vs Phoenix 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.

Tampa, FL
$6,321/mo take-home
Rent: $2,000/mo (32% of take-home)
Manageable
Phoenix, AZ
$6,113/mo take-home
Rent: $1,500/mo (25% of take-home)
Comfortable
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Monthly budget breakdown

Tampa
FL
Phoenix
AZ
Monthly take-home (est.)
$6,321Best ✓
$6,113
1BR rent
$2,000
$1,500Best ✓
Groceries (est.)
$376
$369Best ✓
Transport (est.)
$65
$64Best ✓
Utilities
$195Best ✓
$210
Internet
$65
$60Best ✓
Left after essentials
$3,620/month
$3,910/month
Tampa (Florida) has no state income tax, boosting take-home vs Phoenix (AZ rate: 2.5%).

Frequently asked questions

Is $100K a good salary in Tampa?

At $100K/year in Tampa, your estimated monthly take-home is $6,321. With 1BR rent around $2,000/month, rent takes up 32% of your take-home. That's considered manageable.

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.

Which city is more affordable on a $100K salary?

Phoenix leaves you with more money after core expenses — $3,910/month vs $3,620/month in Tampa.

Can I afford to live alone in Tampa on $100K?

Yes. At $100K in Tampa, rent takes 32% of your take-home, leaving $3,620/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Tampa vs Phoenix

$40K$50K$60K$75K$80K$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