Is $37,000 a good salary in Delaware?

$37,000 in Delaware provides a monthly take-home of approximately $2,514 after taxes. Across major Delaware cities, this salary is rated manageable, with an average monthly surplus of $208.

What is the cost of living on $37,000 in Delaware?

The average monthly living cost across major Delaware cities is approximately $2,306 for a single adult (rent, food, transport, utilities, healthcare). On $37,000 take-home pay of $2,514/month, you would have roughly $208/month remaining.

Living in Delaware · 2026

Is $37,000 enough to live in Delaware?

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

Statewide verdict:Manageable

Monthly take-home

$2,514

Avg monthly expenses

$2,306

Avg monthly surplus

$208

Savings potential

~8%

After-tax take-home in Delaware

Gross salary$37,000

Federal income tax− $2,334

State income tax− $1,667

Social Security− $2,294

Medicare− $537

Annual take-home$30,168

Effective tax rate18.46%

How $37,000 feels in Delaware cities

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

Wilmington

COL index: 1.05× national avg

Manageable

Rent (1BR)

$1,350

Food

$462

Transport

$184

Utilities

$173

Healthcare

$210

Total: $2,379/mo

Surplus: $135/mo

Rent burden: 53.7% — Unaffordable (> 50%)

Full Wilmington analysis →

Dover

COL index: 1.08× national avg

Manageable

Rent (1BR)

$1,400

Food

$471

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,454/mo

Surplus: $60/mo

Rent burden: 55.7% — Unaffordable (> 50%)

Full Dover analysis →

Newark

COL index: 1.03× national avg

Manageable

Rent (1BR)

$1,300

Food

$594

Transport

$180

Utilities

$170

Healthcare

$206

Total: $2,450/mo

Surplus: $64/mo

Rent burden: 51.7% — Unaffordable (> 50%)

Full Newark analysis →

Middletown

COL index: 1.00× national avg

Manageable

Rent (1BR)

$1,250

Food

$440

Transport

$175

Utilities

$165

Healthcare

$200

Total: $2,230/mo

Surplus: $284/mo

Rent burden: 49.7% — High (35–50%)

Full Middletown analysis →

Smyrna

COL index: 0.97× national avg

Manageable

Rent (1BR)

$1,180

Food

$427

Transport

$170

Utilities

$160

Healthcare

$194

Total: $2,131/mo

Surplus: $383/mo

Rent burden: 46.9% — High (35–50%)

Full Smyrna analysis →

Milford

COL index: 0.99× national avg

Manageable

Rent (1BR)

$1,220

Food

$440

Transport

$173

Utilities

$163

Healthcare

$198

Total: $2,194/mo

Surplus: $320/mo

Rent burden: 48.5% — High (35–50%)

Full Milford analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $2,514 ($30,168/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,257

per month

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

Wants30%

$754

per month

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

Savings20%

$503

per month

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

Needs / year

$15,084

Wants / year

$9,050

Savings / year

$6,034

Salary Intelligence

Financial pressure in Wilmington

Rent alone would take 54% of take-home income. This salary creates significant financial pressure in this city — a $54,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 2.9/10 (Challenging)

Lifestyle Assessment

A $37,000 salary can cover essential living costs for a single adult in Wilmington, Delaware, but leaves little room for savings (~5% of take-home). Lifestyle is rated challenging, with careful budgeting required to avoid month-to-month shortfalls.

Purchasing Power

Wilmington is near the national cost-of-living average (index: 1.05). $37,000 here is roughly equivalent to $65,190 in San Francisco or $31,010 in an affordable city like Birmingham.

State & National Benchmark

$37,000 is 20% below the Delaware individual median of $46,200. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$46,200

-20%

State household median

$79,325

-53%

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)

$37,000 vs. Delaware income benchmarks

Individual median (Delaware)

$46,200

-20% vs. this salary

Household median (Delaware)

$79,325

-53% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Delaware

$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.