Salary Needed to Live in Roswell as a Retiree
A retired individual (65+) needs approximately $64,046/year to live comfortably in Roswell, GA, including 5% savings.
Direct Answer
A retiree needs about $64,046/year to live comfortably in Roswell, GA. The bare-minimum salary is $59,776/year, but the comfortable figure includes a 5% savings target and a monthly after-tax budget of $3,947.
The minimum scenario leaves about $3,736/mo after tax and no planned savings. The comfortable scenario uses $5,337/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$64,046
with 5% savings
Bare Minimum
$59,776
$4,981/mo gross, no savings buffer
Monthly Expenses
$3,736
1% above national avg
Detailed Monthly Budget for a Retiree in Roswell
| Expense | Roswell | Nat'l Avg | Diff |
|---|---|---|---|
| 1-2BR Senior-Friendly Rent | $1,390 | $1,448 | -4% |
| Groceries | $236 | $189 | +25% |
| Utilities | $166 | $183 | -9% |
| Transportation | $191 | $211 | -9% |
| Car Insurance | $196 | $223 | -12% |
| Health Insurance | $725 | $672 | +8% |
| Medicare Supplement | $216 | $200 | +8% |
| Prescription Drugs | $162 | $150 | +8% |
| Internet + Phone | $130 | $120 | +8% |
| Recreation & Social | $216 | $200 | +8% |
| Home Maintenance | $108 | $100 | +8% |
| Total Monthly | $3,736 | $3,696 | +1% |
How We Calculated the Salary
Monthly expenses:$3,736
Target savings (5%):$211/mo
Monthly after-tax needed:$3,947
Effective tax rate:25%
Gross annual salary needed:$64,046
What Drives the Salary Number?
Housing
$1,390
1-2BR Senior-Friendly rent is 37% of this monthly budget.
Taxes
25%
Estimated federal plus GA state tax reserve used to convert take-home needs into gross salary.
Savings target
5%
$211/mo is reserved for savings so the salary is not just break-even.
Local index
108/100
Roswell is close to the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby south Cities
Salary Planning Checklist
- Keep 1-2br senior-friendly housing near $1,390/mo or adjust the salary target upward.
- Budget $832/mo for persona-specific costs such as Medicare Supplement and Prescription Drugs.
- Use $59,776/year as the survival floor and $64,046/year as the healthier negotiation target.
Other Household Types in Roswell
Related Pages
FAQ
What salary does a retiree need in Roswell?
A retiree needs approximately $64,046/year ($5,337/month gross) to live comfortably in Roswell with a 5% savings rate.
How much is rent for a retiree in Roswell?
A 1-2br senior-friendly in Roswell costs approximately $1,390/month, which is the largest single expense at 37% of the total budget.
Is Roswell affordable for a retiree?
Roswell is roughly average for retiree costs, requiring a salary close to the national median.