$40K in New Haven = $36,000 in Provo
Your $40K salary in New Haven (COL 110) has the same purchasing power as $36,000 in Provo (COL 99). Provo is cheaper — your money goes 10% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | New Haven $40K | Provo $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,495 | $2,572 |
| 1BR rent | $1,800 | $1,400 |
| Groceries | $410 | $372 |
| Transport | $82 | $62 |
| Utilities | $198 | $148 |
| Internet | $70 | $63 |
| Left after essentials | -$65/month | $527/month |
Frequently asked questions
What is $40K in New Haven equivalent to in Provo?
$40K in New Haven (COL index 110) has the same purchasing power as $36,000 in Provo (COL index 99). That's 10% less than your current salary.
If I move from New Haven to Provo keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to Provo, you'd have $592 more per month after core expenses — because Provo is cheaper than New Haven.
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 ÷ 110) = $36,000. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — New Haven to Provo
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only