What $100k is worth in the largest U.S. cities in 2025
A $100,000 salary may sound like a comfortable income but how far it goes varies largely depending on where you live. Earning $100,000 places an individual tax filer at the upper limit of the 22% federal tax bracket. On top of that, FICA taxes for Social Security and Medicare apply, and depending on where you live, state and local income taxes could take another bite. But taxes aren’t the only factor. The cost of living varies widely across the country, affecting how much purchasing power remains after necessary expenses. Given these factors, understanding where $100,000 stretches the furthest—and where it may fall short—can be crucial for budgeting and long-term financial planning.
With this in mind, SmartAsset determined the value of $100,000 in 69 of the largest U.S. cities for 2025, after accounting for applicable taxes and local cost of living premiums.
Key Findings
$100k goes least far in New York City’s borough of Manhattan, with only $30,362 spending power. After accounting for federal taxes, particularly high local taxes, and a cost of living 130.6% higher than the national average, a $100k salary goes least far in The Big Apple. Even after accounting for inflation, the value of $100k in 2024 was higher at $30,914. This year’s second- and third-place cities where $100k is worth the least are Honolulu ($38,609) and San Francisco ($42,128). $100k goes furthest in these Texas and Oklahoma cities. Oklahoma City ($89,989), El Paso ($89,114), Corpus Christi ($88,015); and Tulsa ($87,439) ranked at the top of places where $100k stretches furthest. Texas has the advantage of no state or local income taxes, while Oklahoma’s particularly low cost of living is enough to offset the state-imposed income tax and then some. $100k is now going further in these cities. The value of $100k increased by 6.6% year over year in Charlotte, North Carolina, to $81,780. Plano, Texas, saw a 6.4% increase to $71,372. And the value increased 6.3% to $73,358 in Colorado Springs, Colorado. Spokane, Washington; Washington, D.C.; and Indianapolis also saw the value of $100k improve, among others. The value of $100k dropped most year over year in New York City’s borough of Queens. The value of $100k dropped by 6.5% year over year, from $49,978 to $46,708. This can mostly be attributed to an increase in the relative cost of living in Queens. Other cities where the value of $100k dropped most include Durham, North Carolina ($71,371); Phoenix ($71,688); Columbus, Ohio ($77,647); and Miami ($64,991).SmartAsset
10 Cities Where $100k Is Worth the Least
Cities are ranked based on the value of $100,000 after accounting for taxes and local cost-of-living premiums.
Manhattan, New York Value of $100k in 2025: $30,362 Value of $100k in 2024: $30,914 Year-over-year change: -1.8% Honolulu Value of $100k in 2025: $38,610 Value of $100k in 2024: $39,148 Year-over-year change: -1.4% San Francisco Value of $100k in 2025: $42,128 Value of $100k in 2024: $40,997 Year-over-year change: 2.8% Brooklyn, New York Value of $100k in 2025: $43,461 Value of $100k in 2024: $43,376 Year-over-year change: 0.2% Queens, New York Value of $100k in 2025: $46,708 Value of $100k in 2024: $49,978 Year-over-year change: -6.5% Los Angeles Value of $100k in 2025: $47,983 Value of $100k in 2024: $47,762 Year-over-year change: 0.5% San Diego Value of $100k in 2025: $49,337 Value of $100k in 2024: $50,082 Year-over-year change: -1.5% Boston Value of $100k in 2025: $50,602 Value of $100k in 2024: $50,109 Year-over-year change: 1% Washington, D.C. Value of $100k in 2025: $51,339 Value of $100k in 2024: $48,734 Year-over-year change: 5.3% Oakland, California Value of $100k in 2025: $52,060 Value of $100k in 2024: $51,237 Year-over-year change: 1.6%10 Cities Where $100k Is Worth the Most
Cities are ranked based on the value of $100,000 after accounting for taxes and local cost-of-living premiums.
Oklahoma City Value of $100k in 2025: $89,989 Value of $100k in 2024: $87,585 Year-over-year change: 2.7% El Paso, Texas Value of $100k in 2025: $89,114 Value of $100k in 2024: $88,840 Year-over-year change: 0.3% Corpus Christi, Texas Value of $100k in 2025: $88,015 Value of $100k in 2024: $86,383 Year-over-year change: 1.9% Tulsa, Oklahoma Value of $100k in 2025: $87,439 Value of $100k in 2024: $84,507 Year-over-year change: 3.5% Memphis, Tennessee Value of $100k in 2025: $87,427 Value of $100k in 2024: $86,960 Year-over-year change: 0.5% Lubbock, Texas Value of $100k in 2025: $86,846 Value of $100k in 2024: $85,065 Year-over-year change: 2.1% San Antonio Value of $100k in 2025: $86,084 Value of $100k in 2024: $85,625 Year-over-year change: 0.5% Jacksonville, Florida Value of $100k in 2025: $84,509 Value of $100k in 2024: $83,878 Year-over-year change: 0.8% Houston Value of $100k in 2025: $83,343 Value of $100k in 2024: $82,986 Year-over-year change: 0.4% St. Louis Value of $100k in 2025: $83,082 Value of $100k in 2024: $82,614 Year-over-year change: 0.6%10 Cities Where the Value of $100k Increased the Most
Cities are ranked based on the percentage increase in value of $100,000 after accounting for taxes and local cost-of-living changes year over year.
Charlotte, North Carolina Year-over-year change: 6.6% Value of $100k in 2025: $81,780 Value of $100k in 2024: $76,750 Plano, Texas Year-over-year change: 6.4% Value of $100k in 2025: $71,372 Value of $100k in 2024: $67,088 Colorado Springs, Colorado Year-over-year change: 6.3% Value of $100k in 2025: $73,358 Value of $100k in 2024: $68,987 Spokane, Washington Year-over-year change: 5.4% Value of $100k in 2025: $81,441 Value of $100k in 2024: $77,240 Washington, D.C. Year-over-year change: 5.3% Value of $100k in 2025: $51,339 Value of $100k in 2024: $48,734 Indianapolis Year-over-year change: 4.5% Value of $100k in 2025: $82,759 Value of $100k in 2024: $79,230 Orlando, Florida Year-over-year change: 4.2% Value of $100k in 2025: $81,441 Value of $100k in 2024: $78,168 Portland, Oregon Year-over-year change: 3.8% Value of $100k in 2025: $60,427 Value of $100k in 2024: $58,205 Kansas City, Missouri Year-over-year change: 3.7% Value of $100k in 2025: $81,258 Value of $100k in 2024: $78,382 Atlanta Year-over-year change: 3.5% Value of $100k in 2025: $76,840 Value of $100k in 2024: $74,24010 Cities Where the Value of $100k Decreased the Most
Cities are ranked based on the percentage increase in value of $100,000 after accounting for taxes and local cost-of-living changes year over year.
Queens, New York Year-over-year change: -6.5% Value of $100k in 2025: $46,708 Value of $100k in 2024: $49,978 Durham, North Carolina Year-over-year change: -4.1% Value of $100k in 2025: $71,371 Value of $100k in 2024: $74,436 Phoenix Year-over-year change: -3.1% Value of $100k in 2025: $71,688 Value of $100k in 2024: $73,984 Columbus, Ohio Year-over-year change: -3.0% Value of $100k in 2025: $77,647 Value of $100k in 2024: $80,089 Miami Year-over-year change: -2.7% Value of $100k in 2025: $64,991 Value of $100k in 2024: $66,801 Nashville, Tennessee Year-over-year change: -2.3% Value of $100k in 2025: $79,543 Value of $100k in 2024: $81,429 New Orleans Year-over-year change: -1.9% Value of $100k in 2025: $66,668 Value of $100k in 2024: $67,926 Manhattan, New York Year-over-year change: -1.8% Value of $100k in 2025: $30,362 Value of $100k in 2024: $30,914 Mesa, Arizona Year-over-year change: -1.6% Value of $100k in 2025: $74,056 Value of $100k in 2024: $75,240 San Diego Year-over-year change: -1.5% Value of $100k in 2025: $49,337 Value of $100k in 2024: $50,082Data and Methodology
This study used SmartAsset’s paycheck calculator to apply federal, state and local taxes to an annual salary of $100,000 for an individual. This online tool calculates your take-home pay per paycheck for both salary and hourly jobs after taking into account federal, FICA, state and local taxes. This take-home income was then adjusted for the local cost of living in 69 of the largest cities in the U.S. using data from the Council for Community and Economic Research. The cost of living takes into account the price of housing, groceries, utilities, transportation, and miscellaneous goods and services. Cost-of-living index data is averaged across 2024.
This story was produced by SmartAsset and reviewed and distributed by Stacker.
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