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31 U.S. Cities Where You Don't Have To Earn 6 Figures To Live Well

You don't always have to earn six figures to live well.

In fact, in 31 cities across the US, it's possible to cover your necessities, and still splurge and save money while bringing home a $50,000 annual paycheck — or less.

That's according to a recent study by GOBankingRates, which gathered data for the 270 most populous US cities to find out where a single person could live according to the 50/30/20 plan— a budget that allots 50% of your take-home pay toward necessities, 30% for discretionary spending, and 20% for saving.

The plan ensures you cover all your financial bases, while still leaving room for flexibility.

To find out where you could live by the 50/30/20 plan on $50,000 or less a year — that's take-home pay, not pre-tax income — GOBankingRates examined the following monthly expenses for a single person in 270 cities:

  • Housing: the median rent for a one-bedroom apartment in each city, sourced from Zillow's June 2017 rental index
  • Groceries: the recommended amount reported by cost-of-living database Numbeo.com for each city
  • Utilities: the average bill for a 915-square-foot apartment in each city, according to estimates from Numbeo.com
  • Transportation: costs according to the Economic Policy Institute's Family Budget Calculator for each city or its nearest metropolitan area
  • Health insurance: premiums as estimated at the state level for 2017 by the Department of Health and Human Services

GOBankingRates multiplied the total monthly cost of necessities for each city by 12 to get the annual cost. To live by the 50/30/20 plan, a person would need to earn twice as much as their fixed expenses, so GOBankingRates doubled the total cost of necessities to arrive at the total recommended take-home pay for each city.

Below, check out the 31 places where you can live on $50,000 or less a year. For each city, we included the annual after-tax income needed to live comfortably and how a 50/30/20 plan would break down monthly for a single person.

El Paso Nightscape
Getty Images

El Paso, Texas

Take-home pay needed: $40,204

Monthly budget:

• 50% necessities: $1,675

• 30% splurges: $1,050

• 20% savings: $670

Springfield Missouri, USA- May 18, 2014. Springfield road arrow
mrcmos—Getty Images

Springfield, Missouri

Take-home pay needed: $40,834

Monthly budget:

• 50% necessities: $1,701

• 30% splurges: $1,021

• 20% savings: $681

Higher Learning
Texas Tech University LubbockDavid Kozlowski#67402—Moment Editorial/Getty Images

Lubbock, Texas

Take-home pay needed: $43,201

Monthly budget:

• 50% necessities: $1,800

• 30% splurges: $1,080

• 20% savings: $720

Albequerque Skyline
Bob Thomason—© 2014 Bob Thomason

Albuquerque, New Mexico

Take-home pay needed: $43,573

Monthly budget:

• 50% necessities: $1,816

• 30% splurges: $1,089

• 20% savings: $726

An Arch Sculpture And Skyscrapers In Downtown Detroit
Ken Ross / Design Pics—Getty Images/Perspectives

Detroit, Michigan

Take-home pay needed: $44,080

Monthly budget:

• 50% necessities: $1,837

• 30% splurges: $1,102

• 20% savings: $735

USA, Washington State, Spokane, Riverfront Park, Spokane
Wolfgang Kaehler—LightRocket via Getty Images

Spokane, Washington

Take-home pay needed: $44,342

Monthly budget:

• 50% necessities: $1,848

• 30% splurges: $1,109

• 20% savings: $739

Wichita, Kansas
John Coletti—Getty Images

Wichita, Kansas

Take-home pay needed: $44,776

Monthly budget:

• 50% necessities: $1,866

• 30% splurges: $1,153

• 20% savings: $746

Fresno downtown skyline with a clear blue sky
Davel5957—Getty Images/iStockphoto

Fresno, California

Take-home pay needed: $44,838

Monthly budget:

• 50% necessities: $1,868

• 30% splurges: $1,121

• 20% savings: $747

Sunset of Kirkwood Avenue, Bloomington Indiana
Sanjin Wang—Getty Images

Bloomington, Indiana

Take-home pay needed: $45,663

Monthly budget:

• 50% necessities: $1,903

• 30% splurges: $1,164

• 20% savings: $761

Cincinnati skyline from atop Roebling Bridge
Adam Jones—Getty Images

Cincinnati, Ohio

Take-home pay needed: $45,702

Monthly budget:

• 50% necessities: $1,904

• 30% splurges: $1,143

• 20% savings: $762

Welcome to Reno
Mitch Diamond—Getty Images

Reno, Nevada

Take-home pay needed: $46,269

Monthly budget:

• 50% necessities: $1,928

• 30% splurges: $1,157

• 20% savings: $771

downtown tucson, arizona, usa
Walter Bibikow—Getty Images/AWL Images RM

Tuscon, Arizona

Take-home pay needed: $46,310

Monthly budget:

• 50% necessities: $1,930

• 30% splurges: $1,158

• 20% savings: $772

Downtown Billings, Montana
Ron Reiring—Getty Images

Billlings, Montana

Take-home pay needed: $46,524

Monthly budget:

• 50% necessities: $1,939

• 30% splurges: $1,163

• 20% savings: $775

USA, Kentucky, Lexington, Courthouse illuminated at dusk
Henryk Sadura—Getty Images/Tetra images RF

Lexington, Kentucky

Take-home pay needed: $46,623

Monthly budget:

• 50% necessities: $1,943

• 30% splurges: $1,166

• 20% savings: $777

Tyler, Texas

Take-home pay needed: $46,882

Monthly budget:

• 50% necessities: $1,953

• 30% splurges: $1,172

• 20% savings: $781

Genesee River and skyline.
Richard Cummins—Getty Images/Lonely Planet Images

Rochester, New York

Take-home pay needed: $46,964

Monthly budget:

• 50% necessities:$1,957

• 30% splurges: $1,174

• 20% savings: $783

Gainesville, Florida, Exterior View
Walter Bibikow—Getty Images/Lonely Planet Images

Gainesville, Florida

Take-home pay needed: $47,112

Monthly budget:

• 50% necessities: $1,963

• 30% splurges: $1,178

• 20% savings: $785

Henryk Sadura—Copy Rights by Henryk Sadura

Indianapolis, Indiana

Take-home pay needed: $47,155

Monthly budget:

• 50% necessities: $1,965

• 30% splurges: $1,179

• 20% savings: $786

Man standing at viewpoint in Rattlesnake Mountains at sunset near Missoula, Montana, USA
Robin Carleton / Aurora Photos—Getty Images/Aurora Creative

Missoula, Montana

Take-home pay needed: $47,221

Monthly budget:

• 50% necessities: $1,968

• 30% splurges: $1,181

• 20% savings: $787

USA, Idaho, Welcome sign in Boise
vincentanzalone—Getty Images/RooM RF

Boise, Idaho

Take-home pay needed: $47,432

Monthly budget:

• 50% necessities: $1,976

• 30% splurges: $1,186

• 20% savings: $791

Scioto river with waterfall and Columbus Ohio skyline, USA
Scioto river with waterfall and Columbus Ohio skyline, USAIan Spanier—Getty Images/Image Source

Columbus, Ohio

Take-home pay needed: $47,768

Monthly budget:

• 50% necessities: $1,990

• 30% splurges: $1,194

• 20% savings: $796

Little Rock, Arkansas, City View
Walter Bibikow—Getty Images

Little Rock, Arkansas

Take-home pay needed: $48,117

Monthly budget:

• 50% necessities: $2,005

• 30% splurges: $1,203

• 20% savings: $802

San Antonio, Texas
Skyline of San Antonio, TexasDon Klumpp—Getty Images

San Antonio, Texas

Take-home pay needed: $48,288

Monthly budget:

• 50% necessities: $2,012

• 30% splurges: $1,207

• 20% savings: $805

Tulsa, Oklahoma, City View
Walter Bibikow—Getty Images

Tulsa, Oklahoma

Take-home pay needed: $48,515

Monthly budget:

• 50% necessities: $2,022

• 30% splurges: $1,213

• 20% savings: $809

Low angle view of a triumphal arch, Newport News Victory Arch, Newport News, Virginia, USA
Panoramic Images—Getty Images/Panoramic Images

Newport News, Virginia

Take-home pay needed: $48,726

Monthly budget:

• 50% necessities: $2,030

• 30% splurges: $1,218

• 20% savings: $812

Las Vegas Strip Exteriors
Ethan Miller—Getty Images

Las Vegas, Nevada

Take-home pay needed: $48,748

Monthly budget:

• 50% necessities: $2,031

• 30% splurges: $1,219

• 20% savings: $813

Louisville Kentucky skyline on the Ohio River
Douglas Sacha—Getty Images

Louisville, Kentucky

Take-home pay needed: $48,989

Monthly budget:

• 50% necessities: $2,041

• 30% splurges: $1,247

• 20% savings: $817

Cityscape of Downtown St Louis at sunrise
Cityscape of St Louis at sunrise with the iconic Gateway Arch overlooking the Mississippi River.Allan Baxter—Getty Images

St. Louis, Missouri

Take-home pay needed: $49,034

Monthly budget:

• 50% necessities: $2,043

• 30% splurges: $1,226

• 20% savings: $817

USA, Arizona, Mesa, cityscape, aerial view
Brian Stablyk—Getty Images

Mesa, Arizona

Take-home pay needed: $49,494

Monthly budget:

• 50% necessities: $2,062

• 30% splurges: $1,237

• 20% savings: $825

Hotels and commercial buildings stand in Oklahoma City, Okla
Bloomberg—Bloomberg via Getty Images

Oklahoma City, Oklahoma

Take-home pay needed: $49,594

Monthly budget:

• 50% necessities: $2,066

• 30% splurges: $1,240

• 20% savings: $827

Marietta, Georgia

Take-home pay needed: $49,597

Monthly budget:

• 50% necessities: $2,067

•30% splurges: $1,240

•20% savings: $827

This article originally appeared in Business Insider.

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