Retire Modestly in Mesa, AZ (2026)
Small apartment, cook at home, public transit, minimal travel. In Mesa (COL 96), this costs $2,560/month — a $1K less than the US average.
Monthly budget breakdown
Estimated monthly expenses for a modest retirement in Mesa (COL-adjusted from national baseline).
| Category | Monthly | Annual | % of budget |
|---|---|---|---|
| Housing | $845 | $10,140 | 33% |
| Food | $384 | $4,608 | 15% |
| Healthcare | $358 | $4,296 | 14% |
| Transport | $307 | $3,684 | 12% |
| Leisure | $358 | $4,296 | 14% |
| Misc | $307 | $3,684 | 12% |
| Total | $2,560 | $30,720 | 100% |
How long to save $768K?
Time to reach your nest egg target investing at 7% annual return (S&P 500 historical avg).
| Monthly savings | Years to retire | Retirement age (start 30) |
|---|---|---|
| $1,000/mo | 25 yrs | Age 55 |
| $2,000/mo | 17 yrs | Age 47 |
| $3,000/mo | 14 yrs | Age 44 |
| $5,000/mo | 10 yrs | Age 40 |
| $8,000/mo | 7 yrs | Age 37 |
Mesa vs US average — Modest retirement
Other retirement tiers in Mesa
Frequently asked questions
How much does a modest retirement cost in Mesa?
A modest retirement in Mesa costs approximately $30,720/year or $2,560/month — based on a 96 cost-of-living index (US avg = 100). Using the 4% safe withdrawal rule, you need a nest egg of about $768K.
How long will it take to save $768K for retirement in Mesa?
Saving $2,000/month at a 7% average annual return would take roughly 17 years to accumulate $768K. At $3,000/month, it would take about 14 years. These estimates assume consistent investing in a diversified portfolio.
What is the biggest expense in a modest retirement in Mesa?
Housing is the largest expense at roughly 33% of the budget ($845/month). Healthcare ($358/month) is the second-largest category.
4% safe withdrawal rule · 7% annualized return assumption · COL-adjusted from BLS data · Q1 2026 estimates