A $100,000 salary's purchasing power varies considerably across the U.S., influenced by federal, state, and local taxes in addition to living costs. In SmartAsset's analysis of 69 largest cities for 2025, New York City's Manhattan borough provides the worst return, with only $30,362 remaining after expenses. In contrast, cities like Oklahoma City and El Paso maximize spending power due to low taxes and costs. Some cities, like Charlotte and Plano, have experienced increased values, showing regional economic growth impact on salary effectiveness.
$100,000 in salary has vastly different purchasing power across U.S. cities, with varying taxes and cost of living impacting its effectiveness for budgeting.
In Manhattan, $100,000 has only $30,362 in spending power, due to high taxes and a cost of living significantly above the national average.
Conversely, cities like Oklahoma City and El Paso show how $100,000 can stretch significantly due to lower taxes and a favorable cost of living.
Cities like Charlotte and Plano have seen increased values of $100,000, suggesting regional variations in economic conditions and their effects on salary value in 2025.
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