The salary a single person needs to live comfortably in all 50 U.S. states—it's over $120,000 in 2 places

Americans earning a regular salary may have trouble living comfortably in all 50 states.

The median annual wage for individuals was just below $62,000 at the end of 2024, according to the Bureau of Labor Statistics. But it takes a salary of at least $80,829 for a single adult to live comfortably in West Virginia, the most affordable state, according to a recent SmartAsset study.

SmartAsset defines “comfortable” as earning enough to follow the 50/30/20 budget method, which recommends putting 50% of your income toward essentials like rent and food, 30% toward discretionary spending and 20% toward debt repayment and savings. It used the latest estimates from Massachusetts Institute of Technology’s Living Wage calculator to estimate individuals’ cost of necessities in each state.

On the other side of the spectrum from West Virginia, residents in Hawaii need to earn a minimum of $124,467 a year to live comfortably, SmartAsset finds. That’s the highest of any state and one of two states — along with Massachusetts — where individuals need to earn at least $120,000 a year to afford a comfortable lifestyle.

Here’s how much money it takes for a single adult to live comfortably in every U.S. state 2025.