Can I Afford to Live in Tempe vs Cartagena on $40K?

Here's how a $40K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Tempe, AZ
$2,645/mo take-home
Rent: $1,600/mo (60% of take-home)
Difficult
Cartagena, CO
$2,728/mo take-home
Rent: $560/mo (21% of take-home)
Very comfortable

Monthly budget breakdown

Tempe
AZ
Cartagena
CO
Monthly take-home (est.)
$2,645
$2,728Best ✓
1BR rent
$1,600
$560Best ✓
Groceries (est.)
$380Best ✓
$380
Transport (est.)
$55Best ✓
$150
Utilities
$210
$70Best ✓
Internet
$62
$30Best ✓
Left after essentials
$338/month
$1,538/month
Cartagena (Bolívar) has no state income tax, boosting take-home vs Tempe (AZ rate: 2.5%).

Frequently asked questions

Is $40K a good salary in Tempe?

At $40K/year in Tempe, your estimated monthly take-home is $2,645. With 1BR rent around $1,600/month, rent takes up 60% of your take-home. That's considered difficult.

Is $40K a good salary in Cartagena?

At $40K/year in Cartagena, your estimated monthly take-home is $2,728. With 1BR rent around $560/month, rent takes up 21% of your take-home. That's considered very comfortable.

Which city is more affordable on a $40K salary?

Cartagena leaves you with more money after core expenses — $1,538/month vs $338/month in Tempe.

Can I afford to live alone in Tempe on $40K?

It's tight. Rent in Tempe would take 60% of your $40K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — Tempe 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