Salary Needed to Live in Medford as a Single
A single adult living independently needs approximately $60,648/year to live comfortably in Medford, OR, including 10% savings.
Direct Answer
A single person needs about $60,648/year to live comfortably in Medford, OR. The bare-minimum salary is $52,340/year, but the comfortable figure includes a 10% savings target and a monthly after-tax budget of $3,594.
The minimum scenario leaves about $3,184/mo after tax and no planned savings. The comfortable scenario uses $5,054/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$60,648
with 10% savings
Bare Minimum
$52,340
$4,362/mo gross, no savings buffer
Monthly Expenses
$3,184
10% below national avg
Detailed Monthly Budget for a Single in Medford
| Expense | Medford | Nat'l Avg | Diff |
|---|---|---|---|
| Studio/1BR Rent | $963 | $1,351 | -29% |
| Groceries | $301 | $207 | +45% |
| Utilities | $139 | $169 | -18% |
| Transportation | $272 | $316 | -14% |
| Car Insurance | $207 | $215 | -4% |
| Health Insurance | $644 | $642 | 0% |
| Internet | $66 | $65 | +2% |
| Phone | $87 | $85 | +2% |
| Dining & Social | $306 | $300 | +2% |
| Entertainment | $122 | $120 | +2% |
| Personal Care | $77 | $75 | +3% |
| Total Monthly | $3,184 | $3,545 | -10% |
How We Calculated the Salary
Monthly expenses:$3,184
Target savings (10%):$410/mo
Monthly after-tax needed:$3,594
Effective tax rate:27%
Gross annual salary needed:$60,648
What Drives the Salary Number?
Housing
$963
Studio/1BR rent is 30% of this monthly budget.
Taxes
27%
Estimated federal plus OR state tax reserve used to convert take-home needs into gross salary.
Savings target
10%
$410/mo is reserved for savings so the salary is not just break-even.
Local index
102/100
Medford is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby west Cities
Salary Planning Checklist
- Keep studio/1br housing near $963/mo or adjust the salary target upward.
- Budget $658/mo for persona-specific costs such as Internet and Phone.
- Use $52,340/year as the survival floor and $60,648/year as the healthier negotiation target.
Other Household Types in Medford
Related Pages
FAQ
What salary does a single person need in Medford?
A single person needs approximately $60,648/year ($5,054/month gross) to live comfortably in Medford with a 10% savings rate.
How much is rent for a single person in Medford?
A studio/1br in Medford costs approximately $963/month, which is the largest single expense at 30% of the total budget.
Is Medford affordable for a single person?
Yes, Medford is 10% more affordable than the national average for a single person.