Is $31,000 a good salary in Louisiana?

$31,000 in Louisiana provides a monthly take-home of approximately $2,178 after taxes. Across major Louisiana cities, this salary is rated manageable, with an average monthly surplus of $76.

What is the cost of living on $31,000 in Louisiana?

The average monthly living cost across major Louisiana cities is approximately $2,102 for a single adult (rent, food, transport, utilities, healthcare). On $31,000 take-home pay of $2,178/month, you would have roughly $76/month remaining.

Living in Louisiana · 2026

Is $31,000 enough to live in Louisiana?

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

Statewide verdict:Manageable

Monthly take-home

$2,178

Avg monthly expenses

$2,102

Avg monthly surplus

$76

Savings potential

~3%

After-tax take-home in Louisiana

Gross salary$31,000

Federal income tax− $1,614

State income tax− $879

Social Security− $1,922

Medicare− $450

Annual take-home$26,135

Effective tax rate15.69%

How $31,000 feels in Louisiana cities

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

New Orleans

COL index: 1.10× national avg

Very tight

Rent (1BR)

$1,450

Food

$449

Transport

$193

Utilities

$182

Healthcare

$220

Total: $2,494/mo

Surplus: $-316/mo

Rent burden: 66.6% — Unaffordable (> 50%)

Full New Orleans analysis →

Baton Rouge

COL index: 0.96× national avg

Manageable

Rent (1BR)

$1,200

Food

$418

Transport

$168

Utilities

$158

Healthcare

$192

Total: $2,136/mo

Surplus: $42/mo

Rent burden: 55.1% — Unaffordable (> 50%)

Full Baton Rouge analysis →

Shreveport

COL index: 0.85× national avg

Manageable

Rent (1BR)

$950

Food

$387

Transport

$149

Utilities

$140

Healthcare

$170

Total: $1,796/mo

Surplus: $382/mo

Rent burden: 43.6% — High (35–50%)

Full Shreveport analysis →

Metairie

COL index: 1.08× national avg

Very tight

Rent (1BR)

$1,400

Food

$462

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,445/mo

Surplus: $-267/mo

Rent burden: 64.3% — Unaffordable (> 50%)

Full Metairie analysis →

Lafayette

COL index: 0.91× national avg

Manageable

Rent (1BR)

$1,050

Food

$396

Transport

$159

Utilities

$150

Healthcare

$182

Total: $1,937/mo

Surplus: $241/mo

Rent burden: 48.2% — High (35–50%)

Full Lafayette analysis →

Lake Charles

COL index: 0.85× national avg

Manageable

Rent (1BR)

$950

Food

$396

Transport

$149

Utilities

$140

Healthcare

$170

Total: $1,805/mo

Surplus: $373/mo

Rent burden: 43.6% — High (35–50%)

Full Lake Charles analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $2,178 ($26,136/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,089

per month

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

Wants30%

$653

per month

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

Savings20%

$436

per month

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

Needs / year

$13,068

Wants / year

$7,841

Savings / year

$5,227

Salary Intelligence

Financial pressure in New Orleans

Rent alone would take 67% of take-home income. This salary creates significant financial pressure in this city — a $58,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 1.8/10 (Difficult)

Lifestyle Assessment

A $31,000 salary does not fully cover typical living expenses for a single adult in New Orleans, Louisiana. Monthly costs exceed take-home pay by $316, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

New Orleans's above-average cost of living (index: 1.10) means $31,000 provides the purchasing power of roughly $28,182 in an average-cost US city, or $33,255 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$31,000 is 8% below the Louisiana individual median of $33,700. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$33,700

-8%

State household median

$57,852

-46%

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)

$31,000 vs. Louisiana income benchmarks

Individual median (Louisiana)

$33,700

-8% vs. this salary

Household median (Louisiana)

$57,852

-46% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Louisiana

$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.