Is $28,000 a good salary in Georgia?

$28,000 in Georgia provides a monthly take-home of approximately $1,922 after taxes. Across major Georgia cities, this salary is rated very tight, with an average monthly surplus of $-279.

What is the cost of living on $28,000 in Georgia?

The average monthly living cost across major Georgia cities is approximately $2,201 for a single adult (rent, food, transport, utilities, healthcare). On $28,000 take-home pay of $1,922/month, you would have roughly $-279/month remaining.

Living in Georgia · 2026

Is $28,000 enough to live in Georgia?

Single adult · GA · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very tight

Monthly take-home

$1,922

Avg monthly expenses

$2,201

Avg monthly surplus

$-279

Savings potential

~0%

After-tax take-home in Georgia

Gross salary$28,000

Federal income tax− $1,254

State income tax− $1,537

Social Security− $1,736

Medicare− $406

Annual take-home$23,067

Effective tax rate17.62%

How $28,000 feels in Georgia cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Atlanta

COL index: 1.29× national avg

Not recommended

Rent (1BR)

$1,850

Food

$493

Transport

$226

Utilities

$213

Healthcare

$258

Total: $3,040/mo

Surplus: $-1,118/mo

Rent burden: 96.2% — Unaffordable (> 50%)

Full Atlanta analysis →

Savannah

COL index: 1.05× national avg

Very tight

Rent (1BR)

$1,350

Food

$440

Transport

$184

Utilities

$173

Healthcare

$210

Total: $2,357/mo

Surplus: $-435/mo

Rent burden: 70.2% — Unaffordable (> 50%)

Full Savannah analysis →

Augusta

COL index: 0.91× national avg

Very tight

Rent (1BR)

$1,050

Food

$396

Transport

$159

Utilities

$150

Healthcare

$182

Total: $1,937/mo

Surplus: $-15/mo

Rent burden: 54.6% — Unaffordable (> 50%)

Full Augusta analysis →

Columbus

COL index: 0.91× national avg

Very tight

Rent (1BR)

$1,100

Food

$418

Transport

$159

Utilities

$150

Healthcare

$182

Total: $2,009/mo

Surplus: $-87/mo

Rent burden: 57.2% — Unaffordable (> 50%)

Full Columbus analysis →

Macon

COL index: 0.85× national avg

Manageable

Rent (1BR)

$950

Food

$374

Transport

$149

Utilities

$140

Healthcare

$170

Total: $1,783/mo

Surplus: $139/mo

Rent burden: 49.4% — High (35–50%)

Full Macon analysis →

Athens

COL index: 0.95× national avg

Very tight

Rent (1BR)

$1,150

Food

$418

Transport

$166

Utilities

$157

Healthcare

$190

Total: $2,081/mo

Surplus: $-159/mo

Rent burden: 59.8% — Unaffordable (> 50%)

Full Athens analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $1,922 ($23,064/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$961

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$577

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$384

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$11,532

Wants / year

$6,919

Savings / year

$4,613

Salary Intelligence

Financial pressure in Atlanta

Rent alone would take 96% of take-home income. This salary creates significant financial pressure in this city — a $74,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 1.4/10 (Difficult)

Lifestyle Assessment

A $28,000 salary does not fully cover typical living expenses for a single adult in Atlanta, Georgia. Monthly costs exceed take-home pay by $1,118, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

Atlanta's above-average cost of living (index: 1.29) means $28,000 provides the purchasing power of roughly $21,705 in an average-cost US city, or $25,612 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$28,000 is 33% below the Georgia individual median of $41,800. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$41,800

-33%

State household median

$71,355

-61%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$28,000 vs. Georgia income benchmarks

Individual median (Georgia)

$41,800

-33% vs. this salary

Household median (Georgia)

$71,355

-61% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Georgia

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.