$40K in Durham = $38,824 in Provo

Your $40K salary in Durham (COL 102) has the same purchasing power as $38,824 in Provo (COL 99). Provo is cheaper — your money goes 3% further there.

$40K in Durham, NC
$2,578/mo take-home
Rent: $1,750/mo (68% of take-home)
Difficult
$38,824/yr in Provo, UT
$2,496/mo take-home
Rent: $1,400/mo (56% of take-home)
Difficult

Budget breakdown — $40K in both cities

What $40K actually buys you in each city after taxes and core expenses.

Expense
Durham
$40K
Provo
$40K (same salary)
Monthly take-home$2,578$2,572
1BR rent$1,750$1,400
Groceries$372$372
Transport$82$62
Utilities$155$148
Internet$62$63
Left after essentials$157/month$527/month
To match your Durham purchasing power in Provo, you'd need to earn $38,824/year (3% less than $40K). At that salary, you'd have $451/mo left after essentials — vs $157/mo in Durham.

Frequently asked questions

What is $40K in Durham equivalent to in Provo?

$40K in Durham (COL index 102) has the same purchasing power as $38,824 in Provo (COL index 99). That's 3% less than your current salary.

If I move from Durham to Provo keeping my $40K salary, will I be better off?

Yes. If you keep earning $40K after moving to Provo, you'd have $370 more per month after core expenses — because Provo is cheaper than Durham.

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 × (99 ÷ 102) = $38,824. This adjusts for differences in housing, food, transport, and general cost of living.

Other salary amounts — Durham to Provo

$50K → $48,529$60K → $58,235$75K → $72,794$80K → $77,647$100K → $97,059$120K → $116,471$150K → $145,588
$40K in Provo → DurhamMoving from Durham to ProvoDurham vs Provo — full comparisonCan I afford Durham vs Provo on $40K?

Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only