Is $28,000 a good salary in Idaho?

$28,000 in Idaho provides a monthly take-home of approximately $1,915 after taxes. Across major Idaho cities, this salary is rated very tight, with an average monthly surplus of $-142.

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

The average monthly living cost across major Idaho cities is approximately $2,057 for a single adult (rent, food, transport, utilities, healthcare). On $28,000 take-home pay of $1,915/month, you would have roughly $-142/month remaining.

Living in Idaho · 2026

Is $28,000 enough to live in Idaho?

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

Statewide verdict:Very tight

Monthly take-home

$1,915

Avg monthly expenses

$2,057

Avg monthly surplus

$-142

Savings potential

~0%

After-tax take-home in Idaho

Gross salary$28,000

Federal income tax− $1,254

State income tax− $1,624

Social Security− $1,736

Medicare− $406

Annual take-home$22,980

Effective tax rate17.93%

How $28,000 feels in Idaho cities

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

Boise

COL index: 1.08× national avg

Not recommended

Rent (1BR)

$1,400

Food

$462

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,445/mo

Surplus: $-530/mo

Rent burden: 73.1% — Unaffordable (> 50%)

Full Boise analysis →

Meridian

COL index: 0.80× national avg

Manageable

Rent (1BR)

$850

Food

$466

Transport

$140

Utilities

$132

Healthcare

$160

Total: $1,748/mo

Surplus: $167/mo

Rent burden: 44.4% — High (35–50%)

Full Meridian analysis →

Nampa

COL index: 0.98× national avg

Very tight

Rent (1BR)

$1,200

Food

$431

Transport

$172

Utilities

$162

Healthcare

$196

Total: $2,161/mo

Surplus: $-246/mo

Rent burden: 62.7% — Unaffordable (> 50%)

Full Nampa analysis →

Idaho Falls

COL index: 0.93× national avg

Very tight

Rent (1BR)

$1,100

Food

$418

Transport

$163

Utilities

$153

Healthcare

$186

Total: $2,020/mo

Surplus: $-105/mo

Rent burden: 57.4% — Unaffordable (> 50%)

Full Idaho Falls analysis →

Pocatello

COL index: 0.88× national avg

Manageable

Rent (1BR)

$1,000

Food

$405

Transport

$154

Utilities

$145

Healthcare

$176

Total: $1,880/mo

Surplus: $35/mo

Rent burden: 52.2% — Unaffordable (> 50%)

Full Pocatello analysis →

Caldwell

COL index: 0.95× national avg

Very tight

Rent (1BR)

$1,150

Food

$422

Transport

$166

Utilities

$157

Healthcare

$190

Total: $2,085/mo

Surplus: $-170/mo

Rent burden: 60.1% — Unaffordable (> 50%)

Full Caldwell analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $1,915 ($22,980/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$958

per month

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

Wants30%

$575

per month

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

Savings20%

$383

per month

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

Needs / year

$11,490

Wants / year

$6,894

Savings / year

$4,596

Salary Intelligence

Financial pressure in Boise

Rent alone would take 73% of take-home income. This salary creates significant financial pressure in this city — a $56,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 1.8/10 (Difficult)

Lifestyle Assessment

A $28,000 salary does not fully cover typical living expenses for a single adult in Boise, Idaho. Monthly costs exceed take-home pay by $530, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

Boise is near the national cost-of-living average (index: 1.08). $28,000 here is roughly equivalent to $47,963 in San Francisco or $22,815 in an affordable city like Birmingham.

State & National Benchmark

$28,000 is 31% below the Idaho individual median of $40,800. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$40,800

-31%

State household median

$70,214

-60%

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. Idaho income benchmarks

Individual median (Idaho)

$40,800

-31% vs. this salary

Household median (Idaho)

$70,214

-60% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Idaho

$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.