Paycheck calculator › After taxes and rent
Take-home pay after taxes and rent, city by city (2026)
The number that actually decides whether a salary works: what is left each month after taxes and rent. On $75,000, San Antonio leaves $3,956 a month after a typical one-bedroom, San Jose $1,838. Rents are HUD's FY2026 Fair Market Rents; taxes include state and city income tax. Each city page also solves the salary you need for rent to stay at 30% of take-home.
| City | 1-bed rent | $75K take-home / mo | Left after rent | Rent share | Salary for 1-bed at 30% |
|---|---|---|---|---|---|
| San Antonio, TX | $1,177 | $5,133 | $3,956 | 22.9% | $55,881 |
| St. Louis, MO | $995 | $4,859 | $3,864 | 20.5% | $49,081 |
| Cleveland, OH | $1,058 | $4,869 | $3,811 | 21.7% | $52,416 |
| Houston, TX | $1,323 | $5,133 | $3,810 | 25.8% | $63,149 |
| Jacksonville, FL | $1,382 | $5,133 | $3,751 | 26.9% | $66,086 |
| Louisville, KY | $1,047 | $4,786 | $3,739 | 21.9% | $53,024 |
| Columbus, OH | $1,194 | $4,869 | $3,675 | 24.5% | $59,660 |
| Pittsburgh, PA | $1,077 | $4,749 | $3,672 | 22.7% | $55,114 |
| Kansas City, MO | $1,197 | $4,859 | $3,662 | 24.6% | $59,916 |
| Las Vegas, NV | $1,478 | $5,133 | $3,655 | 28.8% | $71,485 |
| Detroit, MI | $1,122 | $4,738 | $3,616 | 23.7% | $57,597 |
| Austin, TX | $1,562 | $5,133 | $3,571 | 30.4% | $76,262 |
| Indianapolis, IN | $1,267 | $4,825 | $3,558 | 26.3% | $64,302 |
| Nashville, TN | $1,578 | $5,133 | $3,555 | 30.7% | $77,171 |
| Dallas, TX | $1,648 | $5,133 | $3,485 | 32.1% | $81,151 |
| Tampa, FL | $1,696 | $5,133 | $3,437 | 33.0% | $83,881 |
| Salt Lake City, UT | $1,456 | $4,884 | $3,428 | 29.8% | $74,426 |
| Phoenix, AZ | $1,583 | $5,010 | $3,427 | 31.6% | $79,716 |
| Minneapolis, MN | $1,405 | $4,807 | $3,402 | 29.2% | $72,646 |
| Orlando, FL | $1,731 | $5,133 | $3,402 | 33.7% | $85,871 |
| Charlotte, NC | $1,538 | $4,926 | $3,388 | 31.2% | $78,634 |
| Raleigh, NC | $1,596 | $4,926 | $3,330 | 32.4% | $82,130 |
| Chicago, IL | $1,581 | $4,835 | $3,254 | 32.7% | $82,974 |
| Atlanta, GA | $1,660 | $4,883 | $3,223 | 34.0% | $86,936 |
| Philadelphia, PA | $1,520 | $4,703 | $3,183 | 32.3% | $81,881 |
| Baltimore, MD | $1,511 | $4,666 | $3,155 | 32.4% | $82,126 |
| Miami, FL | $1,995 | $5,133 | $3,138 | 38.9% | $100,881 |
| Denver, CO | $1,754 | $4,889 | $3,135 | 35.9% | $92,552 |
| Newark, NJ | $1,822 | $4,874 | $3,052 | 37.4% | $97,625 |
| Portland, OR | $1,677 | $4,667 | $2,990 | 35.9% | $93,101 |
| Sacramento, CA | $1,832 | $4,820 | $2,988 | 38.0% | $100,761 |
| Seattle, WA | $2,146 | $5,046 | $2,900 | 42.5% | $111,669 |
| Washington, DC, DC | $2,015 | $4,847 | $2,832 | 41.6% | $111,239 |
| Honolulu, HI | $2,016 | $4,754 | $2,738 | 42.4% | $112,623 |
| Los Angeles, CA | $2,085 | $4,820 | $2,735 | 43.3% | $117,699 |
| San Diego, CA | $2,459 | $4,820 | $2,361 | 51.0% | $143,461 |
| Boston, MA | $2,476 | $4,818 | $2,342 | 51.4% | $139,059 |
| New York City, NY | $2,655 | $4,609 | $1,954 | 57.6% | $160,327 |
| San Francisco, CA | $2,977 | $4,820 | $1,843 | 61.8% | $179,340 |
| San Jose, CA | $2,982 | $4,820 | $1,838 | 61.9% | $179,687 |
Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.