What is your annual cost of living?

How much are single, WSO reading adults spending each year? For responders, it would be to helpful to specify your region/city and include an estimate of your all-in total costs for everything (housing, utilities, car, insurance, clothes, food, bar tab, vacations, etc.). I'll go first:

Region/City: Los Angeles
Annual COL: $60,000
Age: 25-30
Kids: no

Comments (65)

Most Helpful
  • Developer in PE - Other

Apartment: 3.5k 

Car, insurance gas: 1.5k 

Food/expense/other: 3k 

I'm in another HCOL city in the United States thats not NYC. A nice studio in NYC would cost 5k a month, so the COL of pretty similar since you don't need a car in NYC

Late 20s. 

I would rather be cheap, but have to spend this much at minimum for a decent dating/social life. Need to maintain a "successful" but not gauche image. 

  • Developer in PE - Other

Monthly numbers, not annual.

I'm a month to month guy....

  • Analyst 1 in RE - Comm

Why do you feel you need to maintain a successful but not gauche image?

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  • VP in RE - Comm

Interesting thread

-HCOL Northeast

-Single 30YO


housing 48k

car/parking 15k

eating/goingout/entertainment 36k

vacation 15k

110-120k total COL / year

  • Developer in PE - Other

Man, and I thought I was spending excessively. Feels weird to spend 6 figures on COL as a single person. 

Inflation is terrible though. Costs would be probably be around 60% of what they are now for the same apartment, car, food, etc. when I graduated in the mid 2010s. 

  • Associate 1 in RE - Comm

Los Angeles, 27-28 years old

Housing $2.9k / month

Car: $400 for loan and insurance

Everything else: probably average $3.5k per month

Add it all up, 81,600 per year. Total comp was $250k last year but hopefully higher this year. Should still save $70k after taxes based on the above, but trying to spend more on living life and may go as low as $60k in savings

Promote God, what's your opinion? Comment below:

LCOL Midwest City, mid 20s.

Housing - 12.2k

Food - 7.2k

Entertainment - 3k

Health/Fitness - 2.7k

Travel - 2.4k

Car - 1.8k

<30k all in

porkbellies, what's your opinion? Comment below:

I think special situation means he lives at home or parents bought him a place, or maybe corporate apt. Just guessing

Isanyonehome, what's your opinion? Comment below:

Breaking the rules here, but married, one kid, Midwest. We spend ~$125k per year.

ImTiredAF, what's your opinion? Comment below:

18 y/o, first year college student in a 3rd world country 

Spend about 2k usd a year in a T1 city( in my country), I make 100$ a month working a 11-7 job that grinds me like crazy.

Arroz con Pollo, what's your opinion? Comment below:

ATL hoe

Rent: $30k

Car: paid off, $4k insurance + maintenance

Food: $5k

Partying & Whores: $6k

Random shit in 2022: $10k

Rent was cheaper until a month ago so all in I guess looks like $48k. Damn I spent more than expected smh. I don't really budget anymore and just move money between accounts.

Hoping to start MBA in next 3 years. Renting because housing market has been absurd - almost bought a house 2 years ago but no point since I don't see myself staying in ATL after my MBA.

  • Developer in RE - Comm

Love how your "Partying & Whores" budget tops your food budget.

Arroz con Pollo, what's your opinion? Comment below:

Traffic is absurd. Only other place like it in America is LA traffic. Also been here my whole life. It's not a bad place to raise a family in the suburbs, but the actual city doesn't have any desirable traits imo. Buckhead is ghetto and your car will get broken into, Midtown is ok but traffic to get out of the city is awful, and downtown is irrelevant because nobody goes there except for sports events or to buy crack.

undergradstoodent, what's your opinion? Comment below:

21 year old college student

1k-1.5k/month credit card expenses between golf, gym, bar tabs and foodlucky enough to have my parents pay for my groceries, rent and food.

have like 14k saved so should last me until when I start my ft position. also planning on going to europe for 1 month after school and in between ft job starting, no clue how much that will cost. 4-5k?

pinkbarbie, what's your opinion? Comment below:

Single 27

Intermountain West

Housing:  16k

Car/Car Insurance/gas/maintenance: 2k (car is paid off)

Everything else: 17k

COL: 35k


80k base + deferred incentive in projects

  • Analyst 1 in IB-M&A

City: Houston

Income: 110,000

COL: 50,000 (estimated)


Single, don't nickel and dime but also not blowing money on stupid things. No student loans, have a car monthly payment and pay above average in rent.

Obviously the COL is based on my projections but have been tracking it really closely over the past 3 months so will be surprised if I am off by more than +- 5,000.

  • Assist. VP in RE - Comm

An intriguing thread. 

Region: Southwest USA

Age: Early 30's, no kids, single. 

Income: Around $200k.

Annual COL: I've averaged about $50k over the past few years. This year is going to be closer to $60-65k. I splurge on hobbies and save on things I don't care about (cars, big house, etc.) 

Housing: $28k

Groceries: $7k  

  • VP in RE - Comm


Base - $200k

Rent + Utilities - $40k

Food (groceries + takeout) $10k

So looks like my wake up and breath budget about $50K baseline. 

The rest I max out IRAs, invest and fuck around & find out on whatever. My avg cc bill on FAFO bs around 5k/mo which includes cabs, going out, travel etc. 

  • Associate 1 in RE - Comm

Age 27, HCOL city

26k Rent + Utilities

30k everything else 

So total 56k 

TC is 140k give or take a few depending on bonus 

Often feel i am not saving enough, but honestly feels like i'm spending the bare minimum to live alone in a SF

I do max out my 401k 

I do go to restaurants pretty frequently and go out on weekends. Otherwise not much of an extraneous spender. My apartment is a shitbox but don't see myself moving until I can afford a baller pad. Everything in between seems like marginal increase in value for a lot more money. 

Anon1010, what's your opinion? Comment below:

Single 27 YO

Apartment/utilities: 9600 (Chicago)

Car: 0

Uber/public trans: 


Food: 3k

Vacations: 5k

Ad hoc: 1-2k

401k: 28ish a year (includes match)

Invest like 2700 a month at least in markets.

Yeah I should spend more

TC: 150 ish

  • Analyst 1 in IB - Gen

24 y/o (An2)

HCOL in Northeast

Rent/utilities: 2900

CC bill (using as a catch-all for clothing/subscriptions/going out/travel/misc.): try to keep under 2k but ends up being 2500-2750


Edit: TC ~200k

  • Analyst 1 in IB - Gen

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  • NA in IB-M&A

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