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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
The 30% rule — spending no more than 30% of gross income on housing — is the most widely cited benchmark for affordability. On a $100K salary, 7 cities (88%) meet this threshold. You've got plenty of choices. We ran the numbers on 8 cities in Washington using 2026 census, rent, and salary data. Spok…
#1 Ranked: Spokane — cost index 101, rent $1,456/mo, income $65,745
7 of 8 cities keep rent under 30% of $100K
7 of 8 cities keep rent under 30% of $100K gross income
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
The 30% rule — spending no more than 30% of gross income on housing — is the most widely cited benchmark for affordability. On a $100K salary, 7 cities (88%) meet this threshold. You've got plenty of choices. We ran the numbers on 8 cities in Washington using 2026 census, rent, and salary data. Spokane comes out on top — here's the full ranking and analysis.
So, Spokane. Cost index of 101, rent at $1,456/month. It's lower than the national average. Median income is $65,745, which is below the national median. You get the picture.
If you only look at rent, it's perfect. Zoom out and it's complicated. In Spokane, the healthcare index sits at 104 — not a dealbreaker, but worth knowing about.
Bottom line: Spokane leads this ranking for clear, data-backed reasons — but the "best" city depends on your priorities. Click into any city below to see the full detail page with 12-month trend charts, profession-specific salary data, and a breakdown of all five cost categories. If you're seriously considering a move, use our salary calculator to model your specific income against these numbers.
The 30% rule — spending no more than 30% of gross income on housing — is the most widely cited benchmark for affordability. On a $100K salary, 7 cities (88%) meet this threshold. You've got plenty of choices.
Rent ranges from $1,456/mo in Spokane to $2,582/mo in Bellevue — a monthly difference of $1,126, or $13,512 per year.
Spokane (index 101) and Bellevue (index 169) sit 68 points apart on the cost index — proof that Washington is far from monolithic in affordability.
229,447 residents · Washington
Dive into Spokane's numbers: cost index 101 (11 points below national average), rent $1,456/month, income $65,745, and a home price of $389,884. The city's cost profile isn't flat — Utilities is the cheapest category at 93, while Healthcare runs 104. With 229,447 residents, it balances mid-size city convenience with manageable costs.
108,235 residents · Washington
What does daily life actually cost in Spokane Valley? Start with the 26% rent-to-income ratio — tight but manageable for most households. On the category level, Utilities (index 94) is where the real savings show up, while Housing (index 107) is the line item most likely to surprise newcomers. Income at $70,722 and homes at $404,483 round out a profile that ranks #2 for clear reasons.
222,906 residents · Washington
What does daily life actually cost in Tacoma? Start with the 25% rent-to-income ratio — tight but manageable for most households. On the category level, Utilities (index 102) is where the real savings show up, while Housing (index 126) is the line item most likely to surprise newcomers. Income at $83,857 and homes at $486,501 round out a profile that ranks #3 for clear reasons.
196,442 residents · Washington
Here's Vancouver by the numbers — and there's a lot to like (and a little to watch). Cost index: 111. Rent: $1,769/month — for better or worse — . Income: $78,156/year. Home price: $502,813. Population: 196,442. The strongest category is Utilities at 102; the most expensive is Housing at 128. Translate that rent to annual numbers, and residents are saving renters $1,512 per year vs. the national median. That's a red flag worth investigating further.
111,180 residents · Washington
Why Everett ranks #5: the numbers tell a clear story. At 120 on the cost index, residents spend roughly 8% more than the typical American. Rent sits at $1,918/month while the median household pulls in $81,502/year. The Utilities category is particularly strong at 111, though Housing (151) lags behind. Home prices average $652,113 — $184,743 above the national median.
| City | State Tax | Sales Tax | Property Tax | Est. Take-Home |
|---|---|---|---|---|
1Spokane | 0% | 10.6% | 0.84% | $75,297 |
2Spokane Valley | 0% | 10.6% | 0.84% | $75,297 |
3Tacoma | 0% | 10.6% | 0.84% | $75,297 |
4Vancouver | 0% | 10.6% | 0.84% | $75,297 |
5Everett | 0% | 10.6% | 0.84% | $75,297 |
6Kent | 0% | 10.6% | 0.84% | $75,297 |
7Seattle | 0% | 10.6% | 0.84% | $75,297 |
8Bellevue | 0% | 10.6% | 0.84% | $75,297 |
We calculate what percentage of a $100K gross salary goes to median rent. Cities where rent consumes less of your paycheck rank higher. We also factor in estimated take-home pay after federal taxes, FICA (7.65%), and state income tax. All data is sourced from federal agencies and verified research institutions. Cost of living indices are normalized to 100 (national median) using Zillow rent as the primary signal, with sub-category adjustments derived from regional BLS price data. Rankings are updated monthly as new data is released.
Spokane ranks #1 in Washington for this analysis with a cost index of 101 and median income of $65,745.
Yes. On a $100K salary in Spokane, rent would consume about 17% of your gross monthly income. Financial experts recommend keeping rent under 30%. You're well within that guideline.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
Spokane (ranked #1) has a cost index of 101 and rent of $1,456/mo, while Bellevue (ranked #8) has a cost index of 169 and rent of $2,582/mo — a 68-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in Spokane is $1,456/month as of 2026, based on Zillow's Observed Rent Index. This is $439 below the national median of $1,895/month.
After federal taxes, FICA (7.65%), and 0% state income tax, estimated take-home on $100K in Spokane is approximately $75,297/year ($6,275/month). After median rent of $1,456/month, you'd have roughly $57,825/year for all other expenses.
The median home price in Spokane is $389,884, which is 5.9× the local median income. Most median-income households would stretch to buy at this ratio. The national median home price is $467,370.
Washington has a 0% state income tax rate — one of the states with no income tax. Combined state and local sales tax averages 10.6%, and the effective property tax rate is 0.84%.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.