Reading Time: 21 minutes Think You Can Afford It? What It Really Costs to Live Comfortably in Each State
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Ever wondered how much money you need to live comfortably in different parts of the United States? A recent study reveals the income individuals need to maintain a comfortable lifestyle in each state, and the results might surprise you.
The study by SMB Compass takes into account key expenses like housing, food, transportation, healthcare, utilities, and taxes to determine these figures for individuals across the country.
To live comfortably in many states, you’d need to earn nearly twice what most single earners typically make. For context, the U.S. median income for single, full-time workers sits around $60,000, according to the Bureau of Labor Statistics.
In this article, we’ll look at the states where it’s most expensive to live comfortably, as well as those where it’s more affordable. We’ll also discuss some of the factors that contribute to these differences in living costs across the country.
Do any of these findings surprise you? Let us know in the comments!
Table of Contents
1. Massachusetts
Massachusetts tops the list as the most expensive state for comfortable living. Single adults here need to earn $106,445 yearly, or $51.18 per hour, to cover basic needs and enjoy a comfortable lifestyle. This is significantly higher than the state’s average salary of $60,690.
This high cost is largely due to expensive housing, especially in urban areas like Boston. The state’s strong job market and high-quality education system also contribute to the high living costs.
2. California
California comes in as the second priciest state, requiring an annual income of $104,988 or $50.48 per hour for comfortable living. This is nearly double the state’s average salary of $54,030.
The Golden State’s high costs are largely due to its expensive housing market, especially in major cities and coastal areas. Other factors contributing to the high cost of living include transportation expenses and the overall high demand for goods and services in this populous state.
Related: Is California its Own Country? 31 Unique Traits About The 31st State.
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3. Hawaii
Hawaii ranks third on the list, with residents needing $103,620 yearly or $49.82 per hour for a comfortable island lifestyle. This is more than twice the state’s average salary of $50,510. The state’s remote location drives up prices for many goods that must be imported.
The limited land and high demand for housing also contribute to elevated living costs. Despite the high expenses, many residents find the tropical climate and natural beauty worth the price.
4. New York
New York takes the fourth spot, requiring $102,462 annually or $49.26 per hour for comfortable living. This is significantly higher than the state’s average salary of $56,840. The Empire State’s high costs are influenced by expensive housing, particularly in New York City and its surrounding areas.
High taxes also play a role, though they fund extensive public services like transportation and parks. The competitive job market in industries like finance and media also drives up salaries and, consequently, living costs.
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5. Washington
Washington rounds out the top five, with residents needing $99,301 yearly or $47.74 per hour to live comfortably. This is considerably higher than the state’s average salary of $59,920.
The state’s high costs are partly due to its booming tech industry, which has driven up housing prices in cities like Seattle. Washington’s natural beauty and outdoor recreation opportunities also attract residents willing to pay more for quality of life, further increasing demand and costs.
Related: Are You In The Upper Middle Class? 20 Clues Someone Is Upper Middle Class
6. New Jersey
New Jersey ranks sixth, requiring $95,569 annually or $45.95 per hour for comfortable living. This is significantly higher than the state’s average salary of $54,860.
Its proximity to New York City contributes to high housing costs, especially in commuter-friendly areas. The state also has relatively high property taxes, which fund quality schools and services but add to the overall cost of living.
7. Colorado
Colorado comes in seventh, with residents needing $95,283 yearly or $45.81 per hour to live comfortably. This is considerably higher than the state’s average salary of $54,050. The state’s popularity, driven by its outdoor lifestyle and growing job market, has led to increased housing costs, especially in areas like Denver and Boulder.
The influx of new residents has also raised prices for other goods and services. Colorado’s commitment to renewable energy and environmental initiatives may lead to long-term changes in utility costs and overall living expenses.
Related: Winter Park Resort, Colorado Full Review Video And Pics (Updated)
8. Maryland
Maryland takes the eighth spot, requiring $94,609 annually or $45.49 per hour for comfortable living. This is significantly higher than the state’s average salary of $55,810. Its proximity to Washington D.C. drives up costs in many areas, as does its strong job market in industries like healthcare and technology.
The state’s high median income also contributes to elevated prices for goods and services. Maryland’s diverse landscape, from coastal areas to mountains, offers varied living experiences but can also lead to price differences across regions.
Related: 15 Best Things To Do In Baltimore, Maryland
9. Rhode Island
Rhode Island ranks ninth, with residents needing $93,222 yearly or $44.82 per hour to live comfortably. This is considerably higher than the state’s average salary of $50,970. Despite its small size, Rhode Island has relatively high housing costs, especially in popular areas like Providence and coastal towns.
The state’s New England location and historic charm contribute to its higher cost of living. Rhode Island’s focus on education and healthcare sectors provides job opportunities but also influences the overall cost structure in the state.
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10. Connecticut
Connecticut rounds out the top ten, requiring $92,565 annually or $44.50 per hour for comfortable living. This is significantly higher than the state’s average salary of $56,130.
Its location between Boston and New York City influences its high costs, particularly in areas popular with commuters. The state’s strong finance and insurance industries also contribute to higher wages and, consequently, higher living expenses.
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11. Oregon
Oregon requires $92,154 annually or $44.30 per hour for comfortable living, which is significantly higher than the state’s average salary of $50,010. The state’s appeal lies in its diverse landscapes and vibrant cities like Portland.
This popularity has led to increased housing costs and overall expenses. Oregon’s commitment to environmental policies also contributes to higher energy and transportation costs, but many residents value these initiatives.
12. Virginia
Virginia demands $91,815 yearly or $44.14 per hour to live comfortably, considerably more than the state’s average salary of $49,920. The state’s diverse economy, including strong government and technology sectors, drives up costs in many areas.
Northern Virginia, due to its proximity to Washington D.C., experiences particularly high living expenses. The state’s rich history and natural beauty also attract residents, increasing demand and costs.
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13. New Hampshire
New Hampshire residents need $91,597 annually or $44.04 per hour for a comfortable lifestyle, which is substantially higher than the state’s average salary of $49,980.
The state’s lack of income tax is offset by higher property taxes and housing costs. Its proximity to Boston and attractive quality of life contribute to the elevated expenses, especially in southern parts of the state and around popular lakes and mountains.
14. Alaska
Alaska requires $90,368 yearly or $43.45 per hour to live comfortably, significantly more than the state’s average salary of $56,140. The state’s remote location leads to high transportation costs for goods, increasing prices across the board.
Energy costs are also significant due to the harsh climate. Despite these challenges, many residents appreciate the state’s unique lifestyle and natural beauty.
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15. Arizona
Arizona’s comfortable living wage stands at $90,320 annually or $43.42 per hour, which is nearly double the state’s average salary of $47,680.
The state’s popularity as a retirement destination and its growing tech industry in cities like Phoenix have driven up housing costs. The hot climate also contributes to high energy expenses for cooling, impacting the overall cost of living.
16. Vermont
Vermont needs $89,360 yearly or $42.96 per hour for comfortable living, considerably higher than the state’s average salary of $49,630. The state’s small population and rural character contribute to higher costs for goods and services.
Vermont’s focus on local and organic products, while appealing to many residents, also tends to increase food prices. The state’s natural beauty and outdoor recreation opportunities attract residents willing to pay a premium.
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17. Georgia
Georgia requires $89,095 annually or $42.83 per hour to live comfortably, which is nearly twice the state’s average salary of $45,480. While many parts of the state remain affordable, the Atlanta metro area significantly raises the overall cost of living.
The city’s strong job market and cultural amenities attract residents, driving up housing costs and other expenses in the region.
18. Nevada
Nevada’s comfortable living wage is $87,341 yearly or $41.99 per hour, substantially higher than the state’s average salary of $44,810. The state’s lack of income tax is balanced by higher sales taxes and housing costs, especially in Las Vegas and Reno.
The tourism-based economy can lead to fluctuating costs, and the desert climate contributes to high cooling expenses in summer months.
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19. Illinois
Illinois demands $87,319 annually or $41.98 per hour for comfortable living, which is significantly more than the state’s average salary of $48,730. Chicago’s high costs significantly impact the state average, with its expensive housing market and high taxes.
The city’s diverse economy and cultural offerings attract residents, keeping demand and prices high. Rural areas of the state generally have lower costs but fewer job opportunities.
20. Florida
Florida rounds out the top 20, requiring $87,193 yearly or $41.92 per hour to live comfortably, nearly double the state’s average salary of $45,070. The state’s popularity as a retirement and vacation destination drives up costs in many areas, especially along the coasts.
While Florida has no state income tax, it has higher sales and property taxes. The warm climate leads to high air conditioning costs, contributing to overall living expenses.
Related: 12 Best Places to Visit in Florida for Vacation Planning Ideas
21. Delaware
Delaware requires $86,647 annually or $41.66 per hour for comfortable living, which is significantly higher than the state’s average salary of $49,280. The state’s small size and strategic location between major East Coast cities contribute to its costs.
Delaware’s lack of sales tax attracts shoppers and businesses, but this is offset by higher property and income taxes. The state’s beaches and small-town charm also drive up housing costs in certain areas.
22. Utah
Utah needs $86,377 yearly or $41.53 per hour to live comfortably, considerably more than the state’s average salary of $47,020. The state’s growing tech industry, particularly in the “Silicon Slopes” area near Salt Lake City, has led to increased housing costs.
Utah’s popularity for outdoor recreation also contributes to higher living expenses in many areas. Despite these factors, the state still offers a relatively good balance of job opportunities and quality of life.
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23. Maine
Maine demands $84,735 annually or $40.74 per hour for a comfortable lifestyle, which is substantially higher than the state’s average salary of $47,590. The state’s natural beauty and coastal areas drive up housing costs, especially in popular towns and cities.
Maine’s rural nature can also lead to higher transportation and energy costs. The state’s focus on local and sustainable products, while appealing to many, can result in higher food prices.
24. Pennsylvania
Pennsylvania requires $84,390 yearly or $40.57 per hour to live comfortably, significantly more than the state’s average salary of $47,430. The state’s diverse economy, ranging from industrial areas to major cities like Philadelphia and Pittsburgh, creates varied living costs.
Urban areas tend to have higher expenses, particularly in housing and transportation. The state’s rich history and cultural attractions also contribute to living costs in certain regions.
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25. Minnesota
Minnesota’s comfortable living wage stands at $83,161 annually or $39.98 per hour, which is considerably higher than the state’s average salary of $50,880.
The Twin Cities area of Minneapolis-St. Paul significantly influences the state’s cost of living, with its strong job market and cultural amenities. Minnesota’s harsh winters can lead to high heating costs, while its numerous lakes and outdoor activities drive up housing prices in desirable areas.
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26. North Carolina
North Carolina needs $82,751 yearly or $39.78 per hour for comfortable living, nearly double the state’s average salary of $45,440. The state’s growing tech and finance sectors, particularly in the Research Triangle and Charlotte areas, have led to increased costs.
North Carolina’s diverse landscape, beaches, and mountains also attract residents, driving up housing prices in popular areas. Despite these factors, many parts of the state remain relatively affordable.
27. Idaho
Idaho requires $82,020 annually or $39.43 per hour to live comfortably, which is significantly higher than the state’s average salary of $44,240. The state’s natural beauty and outdoor recreation opportunities have made it increasingly popular, leading to rising housing costs, especially in cities like Boise.
Idaho’s growing tech industry has also contributed to increased living expenses. Despite these changes, many areas of the state still offer a lower cost of living compared to neighboring Western states.
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28. Wyoming
Wyoming demands $82,012 yearly or $39.43 per hour for a comfortable lifestyle, considerably more than the state’s average salary of $47,250. While the state has no income tax, it has higher sales and property taxes.
Wyoming’s energy industry influences the economy and living costs in many areas. The state’s vast open spaces and outdoor recreation opportunities attract residents, but can also lead to higher transportation costs and limited housing in some regions.
29. South Carolina
South Carolina’s comfortable living wage is $81,709 annually or $39.28 per hour, nearly twice the state’s average salary of $42,220. The state’s growing popularity, especially in coastal areas and cities like Charleston, has led to increased housing costs.
South Carolina’s warm climate and beaches attract retirees and vacationers, further driving up expenses in certain regions. Despite these factors, many inland areas of the state remain relatively affordable.
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30. Texas
Texas requires $81,430 yearly or $39.15 per hour to live comfortably, which is significantly higher than the state’s average salary of $45,970. The state’s large size and diverse economy create varied living costs across different regions.
Major cities like Austin, Dallas, and Houston have seen significant cost increases due to strong job markets and population growth. While Texas has no state income tax, it has higher property and sales taxes. The state’s energy production helps keep utility costs lower in many areas.
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31. Tennessee
Tennessee needs $80,860 annually or $38.88 per hour for comfortable living, which is significantly higher than the state’s average salary of $43,820. The state’s growing popularity, especially in cities like Nashville and Memphis, has led to increased housing costs.
Tennessee’s music and entertainment industry attracts many residents, driving up expenses in urban areas. The state has no income tax, but higher sales taxes compensate for this. Despite rising costs in cities, many rural areas remain affordable.
32. Indiana
Indiana requires $78,738 yearly or $37.85 per hour to live comfortably, considerably more than the state’s average salary of $45,470. The state’s mix of manufacturing and agriculture keeps costs relatively moderate.
Cities like Indianapolis have seen growth in tech and healthcare sectors, leading to higher living expenses in urban areas. Indiana’s central location and lower tax burden attract businesses, which can influence local economies and living costs.
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33. Michigan
Michigan demands $78,526 annually or $37.75 per hour for a comfortable lifestyle, which is substantially higher than the state’s average salary of $46,940. The state’s diverse economy, ranging from auto manufacturing to growing tech sectors, creates varied living costs.
Urban areas like Detroit and Ann Arbor have higher expenses, while many rural areas remain affordable. Michigan’s abundance of natural resources and outdoor recreation opportunities can drive up housing costs in desirable locations.
34. Montana
Montana’s comfortable living wage stands at $78,303 yearly or $37.65 per hour, significantly more than the state’s average salary of $45,690. The state’s natural beauty and outdoor lifestyle attract many residents, increasing housing costs in popular areas.
Montana’s vast size can lead to higher transportation expenses. The lack of sales tax is offset by other taxes and fees. Despite these factors, many areas of Montana still offer a relatively low cost of living compared to neighboring states.
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35. Kansas
Kansas needs $78,270 annually or $37.63 per hour for comfortable living, which is considerably higher than the state’s average salary of $45,250. The state’s mix of agriculture and urban economies creates diverse living costs.
Cities like Kansas City and Wichita have higher expenses due to stronger job markets. Kansas’s central location and relatively low tax burden attract businesses, influencing local economies. The state’s wide-open spaces can lead to higher transportation costs in rural areas.
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36. Wisconsin
Wisconsin requires $77,931 yearly or $37.47 per hour to live comfortably, significantly more than the state’s average salary of $47,590. The state’s strong manufacturing and agriculture sectors help keep costs moderate in many areas.
Cities like Madison and Milwaukee have higher living expenses due to stronger job markets and cultural amenities. Wisconsin’s harsh winters can lead to high heating costs. The state’s numerous lakes and outdoor activities can drive up housing prices in popular recreational areas.
37. Missouri
Missouri demands $77,914 annually or $37.46 per hour for a comfortable lifestyle, which is substantially higher than the state’s average salary of $45,080. The state’s diverse economy, with strong sectors in agriculture, manufacturing, and services, creates varied living costs.
Urban areas like St. Louis and Kansas City have higher expenses, while rural areas remain more affordable. Missouri’s central location and relatively low tax burden attract businesses, influencing local economies and living costs.
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38. New Mexico
New Mexico’s comfortable living wage is $77,721 yearly or $37.37 per hour, considerably more than the state’s average salary of $43,620. The state’s unique blend of cultures and landscapes attracts many residents, influencing living costs. Cities like Santa Fe and Albuquerque have higher expenses due to tourism and growing industries.
New Mexico’s vast, rural areas can lead to higher transportation costs. The state’s focus on renewable energy may impact utility costs in the future.
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39. Nebraska
Nebraska requires $77,645 annually or $37.33 per hour to live comfortably, which is significantly higher than the state’s average salary of $46,440. The state’s strong agricultural sector helps keep food costs lower in many areas. Cities like Omaha and Lincoln have seen growth in tech and finance sectors, leading to higher living expenses in urban areas.
Nebraska’s central location and business-friendly policies attract companies, influencing local economies. The state’s wide-open spaces can result in higher transportation costs in rural regions.
40. Alabama
Alabama needs $77,348 yearly or $37.19 per hour for comfortable living, nearly double the state’s average salary of $41,350. The state’s mix of manufacturing, agriculture, and growing tech sectors creates varied living costs.
Cities like Birmingham and Huntsville have higher expenses due to stronger job markets. Alabama’s Gulf Coast attracts tourists and retirees, driving up costs in coastal areas. Despite growth in some regions, many parts of Alabama still offer a relatively low cost of living compared to national averages.
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41. Iowa
Iowa requires $77,039 annually or $37.04 per hour to live comfortably, which is significantly higher than the state’s average salary of $46,460. The state’s strong agricultural sector helps keep food costs lower in many areas.
Cities like Des Moines have seen growth in insurance and financial services, leading to slightly higher living expenses in urban areas. The state’s relatively low population density allows for affordable housing in many regions, balancing out the overall cost of living.
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42. Mississippi
Mississippi needs $76,649 yearly or $36.85 per hour for comfortable living, more than double the state’s average salary of $37,500. The state consistently ranks as one of the most affordable in the nation. Its strong agricultural sector contributes to lower food costs.
While cities like Jackson and Gulfport have slightly higher expenses, most areas of Mississippi offer very affordable housing. Despite the low cost of living, job opportunities may be more limited compared to other states.
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43. Louisiana
Louisiana demands $76,461 annually or $36.76 per hour for a comfortable lifestyle, considerably higher than the state’s average salary of $41,320. The state’s unique culture and diverse economy create varied living costs.
Cities like New Orleans have higher expenses due to tourism and cultural attractions. The state’s coastal location can lead to higher insurance costs due to hurricane risks. Despite these factors, many parts of Louisiana remain relatively affordable compared to national averages.
44. South Dakota
South Dakota’s comfortable living wage stands at $76,308 yearly or $36.69 per hour, significantly more than the state’s average salary of $43,680. The state’s lack of income tax is attractive to many residents, though this is balanced by other taxes.
South Dakota’s vast rural areas offer affordable housing, while cities like Sioux Falls have seen growth and slightly higher costs. The state’s tourism industry, centered around attractions like Mount Rushmore, can drive up costs in certain areas.
Related: Things to Do in Sturgis, South Dakota
45. North Dakota
North Dakota requires $75,471 annually or $36.28 per hour to live comfortably, which is substantially higher than the state’s average salary of $48,830. Cities like Fargo offer a good balance of job opportunities and affordable living.
North Dakota’s vast open spaces mean lower housing costs in many areas, but can also lead to higher transportation expenses. The state’s harsh winters result in high heating costs, impacting the overall cost of living.
46. Ohio
Ohio needs $75,237 yearly or $36.17 per hour for comfortable living, considerably more than the state’s average salary of $46,690. The state’s diverse economy, ranging from manufacturing to growing tech sectors, creates varied living costs.
Cities like Columbus and Cincinnati have seen growth, leading to higher expenses in urban areas. Ohio’s central location and relatively low cost of living continue to attract businesses and residents.
Related: Are You In The Lower Middle Class? 28 Signs Someone Is Lower Middle Class
47. Oklahoma
Oklahoma demands $74,461 annually or $35.80 per hour for a comfortable lifestyle, significantly higher than the state’s average salary of $41,480. Cities like Oklahoma City and Tulsa offer a good balance of job opportunities and affordable living.
Oklahoma’s wide-open spaces mean lower housing costs in many areas, but can also lead to higher transportation expenses. The state’s climate can result in both heating and cooling costs, impacting overall living expenses.
48. Kentucky
Kentucky requires $74,346 yearly or $35.74 per hour to live comfortably, which is considerably higher than the state’s average salary of $43,730. The state’s mix of urban and rural areas creates diverse living costs.
Kentucky’s bourbon industry and horse racing attract tourism, influencing costs in certain regions. The state’s natural beauty, including numerous parks and forests, provides affordable recreation options for residents.
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49. Arkansas
Arkansas needs $73,606 annually or $35.39 per hour for comfortable living, nearly double the state’s average salary of $39,060. The state consistently ranks as one of the most affordable in the nation. Its strong agricultural sector contributes to lower food costs.
Cities like Little Rock have slightly higher expenses, but most areas of Arkansas offer very affordable housing. The state’s climate helps keep utility costs moderate. While the cost of living is low, job opportunities may be more limited compared to some other states.
50. West Virginia
West Virginia demands $72,888 yearly or $35.04 per hour for a comfortable lifestyle, making it the most affordable state in this ranking. However, this is still significantly higher than the state’s average salary of $39,770.
The state’s rural character and natural beauty offer a low-cost living environment. Housing is particularly affordable across most of West Virginia. While living costs are low, job opportunities may be more limited, especially in rural areas.
The Cost of Comfort
This study highlights the varied costs of comfortable living across the United States. It’s clear that location plays a big role in how much money you need to live well. These findings can help you make informed decisions about where to live or work.
Remember, comfort is subjective, and what works for one person might not work for another. As you consider your own situation or future plans, think about what comfort means to you.
Factor in job opportunities, lifestyle preferences, and long-term goals. Use this information as a starting point for your own research and decision-making process.
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AI was used for light editing, formatting, and readability. But a human (me!) wrote and edited this.
