$40K in Billings = $13,483 in Phnom Penh
Your $40K salary in Billings (COL 89) has the same purchasing power as $13,483 in Phnom Penh (COL 30). Phnom Penh is cheaper — your money goes 66% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | Billings $40K | Phnom Penh $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,502 | $2,728 |
| 1BR rent | $1,200 | $350 |
| Groceries | $369 | $380 |
| Transport | $42 | $150 |
| Utilities | $148 | $60 |
| Internet | $68 | $40 |
| Left after essentials | $675/month | $1,748/month |
Frequently asked questions
What is $40K in Billings equivalent to in Phnom Penh?
$40K in Billings (COL index 89) has the same purchasing power as $13,483 in Phnom Penh (COL index 30). That's 66% less than your current salary.
If I move from Billings to Phnom Penh keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to Phnom Penh, you'd have $1,073 more per month after core expenses — because Phnom Penh is cheaper than Billings.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (30 ÷ 89) = $13,483. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Billings to Phnom Penh
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only