Salary Needed to Live in Lowell as a Single
A single adult living independently needs approximately $22,761/year to live comfortably in Lowell, MA — including 10% savings.
Comfortable Salary
$22,761
with 10% savings
Bare Minimum
$19,600
no savings buffer
Monthly Expenses
$1,176
7% above national avg
Detailed Monthly Budget for a Single in Lowell
| Expense | Lowell | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 Studio/1BR Rent | $130 | $113 | +15% |
| 🛒 Groceries | $20 | $17 | +18% |
| ⚡ Utilities | $13 | $14 | -7% |
| 🚗 Transportation | $23 | $26 | -12% |
| 🛡️ Car Insurance | $211 | $229 | -8% |
| 🏥 Health Insurance | $68 | $58 | +17% |
| Internet | $72 | $65 | +11% |
| Phone | $94 | $85 | +11% |
| Dining & Social | $330 | $300 | +10% |
| Entertainment | $132 | $120 | +10% |
| Personal Care | $83 | $75 | +11% |
| Total Monthly | $1,176 | $1,102 | +7% |
How We Calculated the Salary
Monthly expenses:$1,176
Target savings (10%):$152/mo
Monthly after-tax needed:$1,328
Effective tax rate:28%
Gross annual salary needed:$22,761
Other Household Types in Lowell
Related Pages
FAQ
What salary does a single person need in Lowell?
A single person needs approximately $22,761/year ($1,897/month gross) to live comfortably in Lowell with a 10% savings rate.
How much is rent for a single person in Lowell?
A studio/1br in Lowell costs approximately $130/month, which is the largest single expense at 11% of the total budget.
Is Lowell affordable for a single person?
Lowell is roughly average for single person costs, requiring a salary close to the national median.