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$100,000 goes furthest in El Paso, where it is worth $88,076 after tax and local prices, and least far in San Francisco at $62,865. That is a $25,200 spread on an identical paycheque, before anyone has made a single spending decision.
“Real value” converts local purchasing power back to a national equivalent. A figure above $100,000 means the money goes further than average once tax and prices are accounted for; below means it goes less far.
| Metro | Take-home | Price level | Real value | Detail |
|---|---|---|---|---|
| El PasoTX | $79,180 | 89.9 | $88,076 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 15% · $1,013/mo one-bed | |||
| Salary here to match nationally | $89,900 | |||
| State income tax | None in this state | |||
| Read the full breakdown for El Paso → | ||||
| MemphisTN | $79,180 | 92.2 | $85,879 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 17% · $1,154/mo one-bed | |||
| Salary here to match nationally | $92,200 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Memphis → | ||||
| KnoxvilleTN | $79,180 | 92.6 | $85,508 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 18% · $1,184/mo one-bed | |||
| Salary here to match nationally | $92,600 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Knoxville → | ||||
| Little RockAR | $75,939 | 89.4 | $84,942 | |
| Monthly take-home | $6,328 | |||
| Rent takes | 16% · $989/mo one-bed | |||
| Salary here to match nationally | $89,400 | |||
| State income tax | $3,241 at 3.2% effective | |||
| Read the full breakdown for Little Rock → | ||||
| TulsaOK | $75,226 | 89.2 | $84,334 | |
| Monthly take-home | $6,269 | |||
| Rent takes | 16% · $987/mo one-bed | |||
| Salary here to match nationally | $89,200 | |||
| State income tax | $3,955 at 4.0% effective | |||
| Read the full breakdown for Tulsa → | ||||
| Baton RougeLA | $76,566 | 90.8 | $84,324 | |
| Monthly take-home | $6,381 | |||
| Rent takes | 17% · $1,064/mo one-bed | |||
| Salary here to match nationally | $90,800 | |||
| State income tax | $2,614 at 2.6% effective | |||
| Read the full breakdown for Baton Rouge → | ||||
| WichitaKS | $74,400 | 88.9 | $83,689 | |
| Monthly take-home | $6,200 | |||
| Rent takes | 14% · $849/mo one-bed | |||
| Salary here to match nationally | $88,900 | |||
| State income tax | $4,780 at 4.8% effective | |||
| Read the full breakdown for Wichita → | ||||
| San AntonioTX | $79,180 | 94.7 | $83,611 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 18% · $1,177/mo one-bed | |||
| Salary here to match nationally | $94,700 | |||
| State income tax | None in this state | |||
| Read the full breakdown for San Antonio → | ||||
| Oklahoma CityOK | $75,226 | 90.4 | $83,214 | |
| Monthly take-home | $6,269 | |||
| Rent takes | 16% · $1,017/mo one-bed | |||
| Salary here to match nationally | $90,400 | |||
| State income tax | $3,955 at 4.0% effective | |||
| Read the full breakdown for Oklahoma City → | ||||
| Des MoinesIA | $75,992 | 91.7 | $82,870 | |
| Monthly take-home | $6,333 | |||
| Rent takes | 18% · $1,109/mo one-bed | |||
| Salary here to match nationally | $91,700 | |||
| State income tax | $3,188 at 3.2% effective | |||
| Read the full breakdown for Des Moines → | ||||
| New OrleansLA | $76,566 | 92.6 | $82,685 | |
| Monthly take-home | $6,381 | |||
| Rent takes | 17% · $1,113/mo one-bed | |||
| Salary here to match nationally | $92,600 | |||
| State income tax | $2,614 at 2.6% effective | |||
| Read the full breakdown for New Orleans → | ||||
| NashvilleTN | $79,180 | 96.3 | $82,222 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 24% · $1,578/mo one-bed | |||
| Salary here to match nationally | $96,300 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Nashville → | ||||
| ClevelandOH | $77,199 | 93.9 | $82,214 | |
| Monthly take-home | $6,433 | |||
| Rent takes | 16% · $1,058/mo one-bed | |||
| Salary here to match nationally | $93,900 | |||
| State income tax | $1,981 at 2.0% effective | |||
| Read the full breakdown for Cleveland → | ||||
| OmahaNE | $75,334 | 91.9 | $81,973 | |
| Monthly take-home | $6,278 | |||
| Rent takes | 18% · $1,148/mo one-bed | |||
| Salary here to match nationally | $91,900 | |||
| State income tax | $3,846 at 3.8% effective | |||
| Read the full breakdown for Omaha → | ||||
| Kansas CityMO | $75,417 | 92.5 | $81,532 | |
| Monthly take-home | $6,285 | |||
| Rent takes | 19% · $1,197/mo one-bed | |||
| Salary here to match nationally | $92,500 | |||
| State income tax | $3,763 at 3.8% effective | |||
| Read the full breakdown for Kansas City → | ||||
| LouisvilleKY | $75,798 | 93.1 | $81,415 | |
| Monthly take-home | $6,316 | |||
| Rent takes | 17% · $1,047/mo one-bed | |||
| Salary here to match nationally | $93,100 | |||
| State income tax | $3,382 at 3.4% effective | |||
| Read the full breakdown for Louisville → | ||||
| BirminghamAL | $74,445 | 91.6 | $81,272 | |
| Monthly take-home | $6,204 | |||
| Rent takes | 19% · $1,155/mo one-bed | |||
| Salary here to match nationally | $91,600 | |||
| State income tax | $4,735 at 4.7% effective | |||
| Read the full breakdown for Birmingham → | ||||
| CincinnatiOH | $77,199 | 95.4 | $80,921 | |
| Monthly take-home | $6,433 | |||
| Rent takes | 16% · $1,051/mo one-bed | |||
| Salary here to match nationally | $95,400 | |||
| State income tax | $1,981 at 2.0% effective | |||
| Read the full breakdown for Cincinnati → | ||||
| ColumbusOH | $77,199 | 95.5 | $80,836 | |
| Monthly take-home | $6,433 | |||
| Rent takes | 19% · $1,194/mo one-bed | |||
| Salary here to match nationally | $95,500 | |||
| State income tax | $1,981 at 2.0% effective | |||
| Read the full breakdown for Columbus → | ||||
| AustinTX | $79,180 | 98.1 | $80,714 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 24% · $1,562/mo one-bed | |||
| Salary here to match nationally | $98,100 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Austin → | ||||
| PittsburghPA | $76,110 | 94.7 | $80,370 | |
| Monthly take-home | $6,343 | |||
| Rent takes | 17% · $1,077/mo one-bed | |||
| Salary here to match nationally | $94,700 | |||
| State income tax | $3,070 at 3.1% effective | |||
| Read the full breakdown for Pittsburgh → | ||||
| GreenvilleSC | $74,936 | 93.3 | $80,317 | |
| Monthly take-home | $6,245 | |||
| Rent takes | 20% · $1,221/mo one-bed | |||
| Salary here to match nationally | $93,300 | |||
| State income tax | $4,244 at 4.2% effective | |||
| Read the full breakdown for Greenville → | ||||
| HoustonTX | $79,180 | 98.6 | $80,304 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 20% · $1,323/mo one-bed | |||
| Salary here to match nationally | $98,600 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Houston → | ||||
| IndianapolisIN | $76,260 | 95.7 | $79,686 | |
| Monthly take-home | $6,355 | |||
| Rent takes | 20% · $1,267/mo one-bed | |||
| Salary here to match nationally | $95,700 | |||
| State income tax | $2,921 at 2.9% effective | |||
| Read the full breakdown for Indianapolis → | ||||
| JacksonvilleFL | $79,180 | 99.5 | $79,578 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 21% · $1,382/mo one-bed | |||
| Salary here to match nationally | $99,500 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Jacksonville → | ||||
| TucsonAZ | $76,889 | 96.9 | $79,349 | |
| Monthly take-home | $6,407 | |||
| Rent takes | 17% · $1,081/mo one-bed | |||
| Salary here to match nationally | $96,900 | |||
| State income tax | $2,291 at 2.3% effective | |||
| Read the full breakdown for Tucson → | ||||
| St. LouisMO | $75,417 | 95.1 | $79,303 | |
| Monthly take-home | $6,285 | |||
| Rent takes | 16% · $995/mo one-bed | |||
| Salary here to match nationally | $95,100 | |||
| State income tax | $3,763 at 3.8% effective | |||
| Read the full breakdown for St. Louis → | ||||
| AlbuquerqueNM | $75,611 | 95.5 | $79,174 | |
| Monthly take-home | $6,301 | |||
| Rent takes | 19% · $1,185/mo one-bed | |||
| Salary here to match nationally | $95,500 | |||
| State income tax | $3,569 at 3.6% effective | |||
| Read the full breakdown for Albuquerque → | ||||
| Las VegasNV | $79,180 | 100.2 | $79,022 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 22% · $1,478/mo one-bed | |||
| Salary here to match nationally | $100,200 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Las Vegas → | ||||
| SpokaneWA | $79,180 | 100.3 | $78,943 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 18% · $1,193/mo one-bed | |||
| Salary here to match nationally | $100,300 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Spokane → | ||||
| TampaFL | $79,180 | 100.9 | $78,474 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 26% · $1,696/mo one-bed | |||
| Salary here to match nationally | $100,900 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Tampa → | ||||
| OrlandoFL | $79,180 | 101.4 | $78,087 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 26% · $1,731/mo one-bed | |||
| Salary here to match nationally | $101,400 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Orlando → | ||||
| CharlotteNC | $75,699 | 97.3 | $77,799 | |
| Monthly take-home | $6,308 | |||
| Rent takes | 24% · $1,538/mo one-bed | |||
| Salary here to match nationally | $97,300 | |||
| State income tax | $3,481 at 3.5% effective | |||
| Read the full breakdown for Charlotte → | ||||
| MilwaukeeWI | $74,752 | 96.9 | $77,144 | |
| Monthly take-home | $6,229 | |||
| Rent takes | 18% · $1,119/mo one-bed | |||
| Salary here to match nationally | $96,900 | |||
| State income tax | $4,428 at 4.4% effective | |||
| Read the full breakdown for Milwaukee → | ||||
| BuffaloNY | $73,877 | 95.8 | $77,116 | |
| Monthly take-home | $6,156 | |||
| Rent takes | 19% · $1,139/mo one-bed | |||
| Salary here to match nationally | $95,800 | |||
| State income tax | $4,860 at 4.9% effective | |||
| Read the full breakdown for Buffalo → | ||||
| RaleighNC | $75,699 | 98.2 | $77,086 | |
| Monthly take-home | $6,308 | |||
| Rent takes | 25% · $1,596/mo one-bed | |||
| Salary here to match nationally | $98,200 | |||
| State income tax | $3,481 at 3.5% effective | |||
| Read the full breakdown for Raleigh → | ||||
| MadisonWI | $74,752 | 97.3 | $76,827 | |
| Monthly take-home | $6,229 | |||
| Rent takes | 24% · $1,482/mo one-bed | |||
| Salary here to match nationally | $97,300 | |||
| State income tax | $4,428 at 4.4% effective | |||
| Read the full breakdown for Madison → | ||||
| DallasTX | $79,180 | 103.1 | $76,799 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 25% · $1,648/mo one-bed | |||
| Salary here to match nationally | $103,100 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Dallas → | ||||
| RochesterNY | $73,877 | 97.0 | $76,162 | |
| Monthly take-home | $6,156 | |||
| Rent takes | 20% · $1,256/mo one-bed | |||
| Salary here to match nationally | $97,000 | |||
| State income tax | $4,860 at 4.9% effective | |||
| Read the full breakdown for Rochester → | ||||
| RichmondVA | $74,244 | 97.9 | $75,837 | |
| Monthly take-home | $6,187 | |||
| Rent takes | 24% · $1,507/mo one-bed | |||
| Salary here to match nationally | $97,900 | |||
| State income tax | $4,936 at 4.9% effective | |||
| Read the full breakdown for Richmond → | ||||
| AnchorageAK | $79,180 | 105.4 | $75,123 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 19% · $1,243/mo one-bed | |||
| Salary here to match nationally | $105,400 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Anchorage → | ||||
| DetroitMI | $75,181 | 100.3 | $74,956 | |
| Monthly take-home | $6,265 | |||
| Rent takes | 18% · $1,122/mo one-bed | |||
| Salary here to match nationally | $100,300 | |||
| State income tax | $3,999 at 4.0% effective | |||
| Read the full breakdown for Detroit → | ||||
| AtlantaGA | $74,939 | 100.1 | $74,864 | |
| Monthly take-home | $6,245 | |||
| Rent takes | 27% · $1,660/mo one-bed | |||
| Salary here to match nationally | $100,100 | |||
| State income tax | $4,242 at 4.2% effective | |||
| Read the full breakdown for Atlanta → | ||||
| ProvidenceRI | $76,032 | 101.8 | $74,688 | |
| Monthly take-home | $6,336 | |||
| Rent takes | 22% · $1,402/mo one-bed | |||
| Salary here to match nationally | $101,800 | |||
| State income tax | $3,148 at 3.1% effective | |||
| Read the full breakdown for Providence → | ||||
| PhoenixAZ | $76,889 | 103.3 | $74,432 | |
| Monthly take-home | $6,407 | |||
| Rent takes | 25% · $1,583/mo one-bed | |||
| Salary here to match nationally | $103,300 | |||
| State income tax | $2,291 at 2.3% effective | |||
| Read the full breakdown for Phoenix → | ||||
| Colorado SpringsCO | $74,780 | 100.7 | $74,260 | |
| Monthly take-home | $6,232 | |||
| Rent takes | 23% · $1,464/mo one-bed | |||
| Salary here to match nationally | $100,700 | |||
| State income tax | $4,400 at 4.4% effective | |||
| Read the full breakdown for Colorado Springs → | ||||
| CharlestonSC | $74,936 | 101.0 | $74,194 | |
| Monthly take-home | $6,245 | |||
| Rent takes | 26% · $1,630/mo one-bed | |||
| Salary here to match nationally | $101,000 | |||
| State income tax | $4,244 at 4.2% effective | |||
| Read the full breakdown for Charleston → | ||||
| PhiladelphiaPA | $76,110 | 102.6 | $74,181 | |
| Monthly take-home | $6,343 | |||
| Rent takes | 24% · $1,520/mo one-bed | |||
| Salary here to match nationally | $102,600 | |||
| State income tax | $3,070 at 3.1% effective | |||
| Read the full breakdown for Philadelphia → | ||||
| Salt Lake CityUT | $74,730 | 100.9 | $74,063 | |
| Monthly take-home | $6,228 | |||
| Rent takes | 23% · $1,456/mo one-bed | |||
| Salary here to match nationally | $100,900 | |||
| State income tax | $4,450 at 4.5% effective | |||
| Read the full breakdown for Salt Lake City → | ||||
| HartfordCT | $74,430 | 102.7 | $72,473 | |
| Monthly take-home | $6,203 | |||
| Rent takes | 24% · $1,477/mo one-bed | |||
| Salary here to match nationally | $102,700 | |||
| State income tax | $4,750 at 4.8% effective | |||
| Read the full breakdown for Hartford → | ||||
| BakersfieldCA | $72,672 | 100.9 | $72,024 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 19% · $1,140/mo one-bed | |||
| Salary here to match nationally | $100,900 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for Bakersfield → | ||||
| ChicagoIL | $74,375 | 103.6 | $71,790 | |
| Monthly take-home | $6,198 | |||
| Rent takes | 26% · $1,581/mo one-bed | |||
| Salary here to match nationally | $103,600 | |||
| State income tax | $4,805 at 4.8% effective | |||
| Read the full breakdown for Chicago → | ||||
| BaltimoreMD | $74,794 | 104.5 | $71,573 | |
| Monthly take-home | $6,233 | |||
| Rent takes | 24% · $1,511/mo one-bed | |||
| Salary here to match nationally | $104,500 | |||
| State income tax | $4,386 at 4.4% effective | |||
| Read the full breakdown for Baltimore → | ||||
| SeattleWA | $79,180 | 111.1 | $71,269 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 33% · $2,146/mo one-bed | |||
| Salary here to match nationally | $111,100 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Seattle → | ||||
| FresnoCA | $72,672 | 102.2 | $71,108 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 22% · $1,355/mo one-bed | |||
| Salary here to match nationally | $102,200 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for Fresno → | ||||
| DenverCO | $74,780 | 105.8 | $70,681 | |
| Monthly take-home | $6,232 | |||
| Rent takes | 28% · $1,754/mo one-bed | |||
| Salary here to match nationally | $105,800 | |||
| State income tax | $4,400 at 4.4% effective | |||
| Read the full breakdown for Denver → | ||||
| MinneapolisMN | $73,903 | 104.8 | $70,519 | |
| Monthly take-home | $6,159 | |||
| Rent takes | 23% · $1,405/mo one-bed | |||
| Salary here to match nationally | $104,800 | |||
| State income tax | $5,277 at 5.3% effective | |||
| Read the full breakdown for Minneapolis → | ||||
| MiamiFL | $79,180 | 114.2 | $69,335 | |
| Monthly take-home | $6,598 | |||
| Rent takes | 30% · $1,995/mo one-bed | |||
| Salary here to match nationally | $114,200 | |||
| State income tax | None in this state | |||
| Read the full breakdown for Miami → | ||||
| BostonMA | $74,400 | 108.3 | $68,698 | |
| Monthly take-home | $6,200 | |||
| Rent takes | 40% · $2,476/mo one-bed | |||
| Salary here to match nationally | $108,300 | |||
| State income tax | $4,780 at 4.8% effective | |||
| Read the full breakdown for Boston → | ||||
| SacramentoCA | $72,672 | 106.7 | $68,109 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 30% · $1,832/mo one-bed | |||
| Salary here to match nationally | $106,700 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for Sacramento → | ||||
| Washington D.C.DC | $73,649 | 108.9 | $67,629 | |
| Monthly take-home | $6,137 | |||
| Rent takes | 33% · $2,015/mo one-bed | |||
| Salary here to match nationally | $108,900 | |||
| State income tax | $5,532 at 5.5% effective | |||
| Read the full breakdown for Washington D.C. → | ||||
| PortlandOR | $71,004 | 105.4 | $67,366 | |
| Monthly take-home | $5,917 | |||
| Rent takes | 28% · $1,677/mo one-bed | |||
| Salary here to match nationally | $105,400 | |||
| State income tax | $8,176 at 8.2% effective | |||
| Read the full breakdown for Portland → | ||||
| HonoluluHI | $73,110 | 111.0 | $65,865 | |
| Monthly take-home | $6,093 | |||
| Rent takes | 33% · $2,016/mo one-bed | |||
| Salary here to match nationally | $111,000 | |||
| State income tax | $6,070 at 6.1% effective | |||
| Read the full breakdown for Honolulu → | ||||
| San JoseCA | $72,672 | 110.4 | $65,826 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 49% · $2,982/mo one-bed | |||
| Salary here to match nationally | $110,400 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for San Jose → | ||||
| New York CityNY | $73,877 | 112.6 | $65,610 | |
| Monthly take-home | $6,156 | |||
| Rent takes | 43% · $2,655/mo one-bed | |||
| Salary here to match nationally | $112,600 | |||
| State income tax | $4,860 at 4.9% effective | |||
| Read the full breakdown for New York City → | ||||
| San DiegoCA | $72,672 | 111.9 | $64,944 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 41% · $2,459/mo one-bed | |||
| Salary here to match nationally | $111,900 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for San Diego → | ||||
| Los AngelesCA | $72,672 | 113.6 | $63,972 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 34% · $2,085/mo one-bed | |||
| Salary here to match nationally | $113,600 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for Los Angeles → | ||||
| San FranciscoCA | $72,672 | 115.6 | $62,865 | |
| Monthly take-home | $6,056 | |||
| Rent takes | 49% · $2,977/mo one-bed | |||
| Salary here to match nationally | $115,600 | |||
| State income tax | $5,208 at 5.2% effective | |||
| Read the full breakdown for San Francisco → | ||||
Take-home is $100,000 less 2026 federal income tax, Social Security and Medicare, and state income tax where it applies. Price level is the Bureau of Economic Analysis Regional Price Parity for that metro, where 100 is the national average. Real value divides take-home by the price level, which converts it to what the same money would buy nationally.
Every metro links to a full breakdown: the exact tax figures, how prices split across housing, goods and services, what rent takes, and how the metro's price level has moved since 2008.