$120K in Flagstaff = $125,882 in Eugene
Your $120K salary in Flagstaff (COL 102) has the same purchasing power as $125,882 in Eugene (COL 107). Eugene is more expensive — you'd need 5% more to maintain the same lifestyle.
Budget breakdown — $120K in both cities
What $120K actually buys you in each city after taxes and core expenses.
| Expense | Flagstaff $120K | Eugene $120K (same salary) |
|---|---|---|
| Monthly take-home | $6,905 | $6,165 |
| 1BR rent | $1,650 | $1,650 |
| Groceries | $384 | $395 |
| Transport | $45 | $82 |
| Utilities | $195 | $128 |
| Internet | $65 | $65 |
| Left after essentials | $4,566/month | $3,845/month |
Frequently asked questions
What is $120K in Flagstaff equivalent to in Eugene?
$120K in Flagstaff (COL index 102) has the same purchasing power as $125,882 in Eugene (COL index 107). That's 5% more than your current salary.
If I move from Flagstaff to Eugene keeping my $120K salary, will I be better off?
Not necessarily. Core expenses in Eugene are higher, so on the same $120K salary you'd have $721 less per month. You'd need to earn $125,882 to maintain the same standard of living.
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: $120K × (107 ÷ 102) = $125,882. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Flagstaff to Eugene
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only