Can I Afford to Live in Trenton vs Medellín 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.

Trenton, NJ
$2,428/mo take-home
Rent: $1,700/mo (70% of take-home)
Difficult
Medellín, CO
$2,728/mo take-home
Rent: $500/mo (18% of take-home)
Very comfortable

Monthly budget breakdown

Trenton
NJ
Medellín
CO
Monthly take-home (est.)
$2,428
$2,728Best ✓
1BR rent
$1,700
$500Best ✓
Groceries (est.)
$395
$380Best ✓
Transport (est.)
$80Best ✓
$150
Utilities
$215
$55Best ✓
Internet
$68
$30Best ✓
Left after essentials
-$30/month
$1,613/month
Medellín (Antioquia) has no state income tax, boosting take-home vs Trenton (NJ rate: 9%).

Frequently asked questions

Is $40K a good salary in Trenton?

At $40K/year in Trenton, your estimated monthly take-home is $2,428. With 1BR rent around $1,700/month, rent takes up 70% of your take-home. That's considered difficult.

Is $40K a good salary in Medellín?

At $40K/year in Medellín, your estimated monthly take-home is $2,728. With 1BR rent around $500/month, rent takes up 18% of your take-home. That's considered very comfortable.

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

Medellín leaves you with more money after core expenses — $1,613/month vs $-30/month in Trenton.

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

It's tight. Rent in Trenton would take 70% 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 — Trenton vs Medellín

$50K$60K$75K$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