Can I Afford to Live in West Palm Beach vs Cartagena 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.
Monthly budget breakdown
| Expense | West Palm Beach FL | Cartagena CO |
|---|---|---|
| Monthly take-home (est.) | $6,321 | $6,321 |
| 1BR rent | $2,400 | $560 |
| Groceries (est.) | $403 | $380 |
| Transport (est.) | $112 | $150 |
| Utilities | $200 | $70 |
| Internet | $70 | $30 |
| Left after essentials | $3,136/month | $5,131/month |
Frequently asked questions
Is $100K a good salary in West Palm Beach?
At $100K/year in West Palm Beach, your estimated monthly take-home is $6,321. With 1BR rent around $2,400/month, rent takes up 38% of your take-home. That's considered tight.
Is $100K a good salary in Cartagena?
At $100K/year in Cartagena, your estimated monthly take-home is $6,321. With 1BR rent around $560/month, rent takes up 9% of your take-home. That's considered very comfortable.
Which city is more affordable on a $100K salary?
Cartagena leaves you with more money after core expenses — $5,131/month vs $3,136/month in West Palm Beach.
Can I afford to live alone in West Palm Beach on $100K?
It's tight. Rent in West Palm Beach would take 38% of your $100K 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