19 major US cities where you can actually save money after rent, taxes, and other day-to-day expenses

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The average American saves about $140 from their biweekly paycheck after bills but people in these cities can put away a lot more.

Toby Melville/Reuters


  • Some cities are more expensive to live in than others.
  • Clever Real Estate calculated how much money is left over from a biweekly paycheck in different US cities using tax, spending, and income data.
  • Average workers in 57 big US cities have more money left over from their biweekly paycheck than the typical American.
  • Bridgeport, Connecticut, made the top of the list, where residents have $1,683.24 leftover from their biweekly paycheck after income tax and bills. 
  • Visit Business Insider’s homepage for more stories.

If you are struggling to have money left over after paying for bills, then you may want to move to one of these cities.

Clever Real Estate calculated how much money the average American in several major metro areas spends on different necessities after receiving their biweekly paycheck. The real estate referral site subtracted living expenses and income tax from the city’s average pre-tax income using Bureau of Economic Analysis spending and income data and IRS state tax data to calculate the amount of money leftover from a biweekly paycheck.

After paying housing and utility bills, buying food, and covering other living expenses, the typical American only has about $136.39 left over every two weeks. 

Some cities have higher rent or more expensive prices for goods and services, which makes it more difficult to have money left over after these purchases and bills. Clever Real Estate noted in their spending analysis that residents in cities with expensive products aren’t necessarily buying more things, but instead have to spend more money on these items. However, the company also wrote that people in expensive places often look for ways to save some extra money, such as living with a roommate. 

Although 18 cities are below the national average, residents living in 57 major cities have more money from their paychecks after income tax and bills than the typical American. Of the 57 cities, 19 of them have over $400 left over from their biweekly paycheck. 

Average workers in San Jose, California, and Bridgeport, Connecticut have over $1,000 left over to freely use on other purchases or to reserve for their savings. However, both these cities fall in the top three cities that spend the most of their biweekly paycheck on housing and utilities. It may help that employees in San Jose and Bridgeport tend to make a larger income than the other major cities on Clever Real Estate’s list. 

Here are the 19 US major cities where people can actually save money. The average resident of every city on the list has more than $400 leftover after income tax and living expenses are taken out of a biweekly paycheck. 

19. Columbia, South Carolina

Columbia South Carolina



SeanPavonePhoto/Getty Images


Average biweekly pre-tax income: $1,727.15

Income tax: $156.64

Average biweekly expenses: $1,168.54

Average left over money: $401.97

18. Albany, New York

Albany New York



Dennis Macdonald/Getty Images


Average biweekly pre-tax income: $2,234.77

Income tax: $336.91

Average biweekly expenses: $1,495.84

Average left over money: $402.01

17. Washington, DC

Washington DC



Photographer is my life./Getty Images


Average biweekly pre-tax income: $2,787.81 

Income tax: $401.54

Average biweekly expenses: $1,983.71

Average left over money: $402.56

16. Boston, Massachusetts

Boston



Cavan Images/Getty Images


Average biweekly pre-tax income: $3,026.69

Income tax: $356.30

Average biweekly expenses: $2,255.43

Average left over money: $414.96 

15. Omaha, Nebraska

omaha nebraska



Scruggelgreen/Shutterstock


Average biweekly pre-tax income: $2,232.19

Income tax: $178.82

Average biweekly expenses: $1,630.14

Average left over money: $423.24

14. Seattle, Washington

Seattle Washington



Sean Pavone/Shutterstock


Average biweekly pre-tax income: $2,870.00

Income tax: $274.67

Average biweekly expenses: $2,169.46

Average left over money: $425.86

13. San Francisco, California

San Francisco



Mario Anzuoni/Reuters


Average biweekly pre-tax income: $3,824.00

Income tax: $270.63

Average biweekly expenses: $3,119.75

Average left over money: $433.62

12. Denver, Colorado

Denver Colorado



Regina Fatkulina / EyeEm/Getty Images


Average biweekly pre-tax income: $2,472.58

Income tax: $246.46

Average biweekly expenses: $1,769.16

Average left over money: $456.96

11. Salt Lake City, Utah

salt lake city utah



Maciej Bledowski/Shutterstock


Average biweekly pre-tax income: $1,989.85

Income tax: $169.87

Average biweekly expenses: $1,356.17

Average left over money: $463.81

10. St. Louis, Missouri

St Louis



Davel5957/Getty Images


Average biweekly pre-tax income: $2,149.35

Income tax: $173.89

Average biweekly expenses: $1,510.29

Average left over money: $465.17

9. Birmingham, AL

Birmingham Alabama



DenisTangneyJr/Getty Images


Average biweekly pre-tax income: $1,960.73

Income tax: $148.69

Average biweekly expenses: $1,330.58

Average left over money: $481.46

8. Richmond, Virginia

richmond virginia homes



James Kirkikis/Shutterstock


Average biweekly pre-tax income: $2,203.88

Income tax: $240.44

Average biweekly expenses: $1,475.34

Average left over money: $488.10

7. Pittsburgh, Pennsylvania

Pittsburgh



Frederick Doerfler / EyeEm/ Getty Images


Average biweekly pre-tax income: $2,233.54

Income tax: $219.93

Average biweekly expenses: $1,522.21

Average left over money: $491.40

6. Nashville, Tennessee

Nashville Tennessee



Scott Heaney/Shutterstock


Average biweekly pre-tax income: $2,228.96

Income tax: $182.44

Average biweekly expenses: $1,541.93

Average left over money: $504.59

5. Charlotte, North Carolina

Charlotte



Pgiam/Getty Images


Average biweekly pre-tax income: $2,006.77

Income tax: $173.00

Average biweekly expenses: $1,326.33

Average left over money: $507.45

4. Raleigh, North Carolina

Raleigh



Walter Bibikow/Getty Images


Average biweekly pre-tax income: $2,117.12

Income tax: $173.00

Average biweekly expenses: $1,342.26

Average left over money: $601.86

3. Tulsa, Oklahoma

Tulsa Oklahoma



Davel5957/Getty Images


Average biweekly pre-tax income: $2,110.23

Income tax: $152.97

Average biweekly expenses: $1,250.56

Average left over money: $706.70

2. San Jose, California

San Jose California



Michael Marfell/Getty Images


Average biweekly pre-tax income: $4,085.12

Income tax: $270.63

Average biweekly expenses: $2,517.60 

Average left over money: $1,296.88

1. Bridgeport, Connecticut

Bridgeport Connecticut



DenisTangneyJr/Getty Images


Average biweekly pre-tax income: $4,639.62 

Income tax: $376.70

Average biweekly expenses: $2,579.68 

Average left over money: $1,683.24 

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