Cost of Living and Your Paycheck: Why Location Matters
Your paycheck isn’t just numbers on paper—it’s what you can actually afford. Cost of living varies...
Housing and rent
Often the largest expense, with wide variation between states...
Taxes by state
State tax differences can swing take-home pay by thousands...
Everyday expenses
Transportation, groceries, and healthcare add up...
Case study
A $60,000 salary in NYC vs Austin vs Omaha shows stark differences...
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Comparing Locations the Right Way
Don’t compare salaries in isolation. Compare net earnings minus core expenses. Housing and commuting typically dominate budgets. If you’re moving, test multiple states in the calculator and build a rough budget before accepting an offer.
Examples
$60,000 in a high‑tax, high‑rent city may leave you with less monthly headroom than $55,000 in a lower‑cost region. That’s why many people explore remote roles that allow them to live in lower‑cost areas.
Quality of Life
Shorter commute, lower stress, and proximity to family might outweigh a marginally higher salary elsewhere. Money is a tool; quality of life is the goal.