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SuccessPersonal Finance

These are the U.S. cities where Americans can actually afford to live on a single person’s income—and the ones out-of-budget for singletons

By
Jessica Coacci
Jessica Coacci
Success Fellow
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October 29, 2025, 12:03 PM ET
New York City
To measure affordability, analysts used the rule that rent shouldn’t exceed 30% of income. In New York, that means nearly $4,000 a month for a studio apartment.Alexander Spatari-Getty Images

As rents climb, the once-romanticized vision of living alone and eating your first cup of noodles in an unfurnished apartment recently started to feel like a dream of the past. 

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But now, the rent-burdened generation may see some hope. 

The “Carrie Bradshaw Index,” (named after the fictional Sex and the City character), released by The Economist, ranks 100 of the country’s major cities by affordability for people who are chasing that solo-living dream, from the most expensive to the least. 

To measure affordability, they used a rule that the tenant should spend no more than 30% of their gross income on rent, a recommendation which has been more or less not followed now by Gen Z). 

Then, the study used online rental marketplace Zumper to calculate the rent price and salary needed to afford a studio apartment in the city that was measured. The city was then ranked from more than one (which meant the home was affordable) and less than one (where it was unaffordable). 

Budget-friendly options came down to these locations

For the second year in a row, Wichita, Kansas, had a score of about 1.75. It may not be the first city everyone dreams of to live in solo, but it’s one of the only cities where median wages (calculated as $58,000 a year, according to the Bureau of Labor Statistics) are 75% higher than what is needed to afford an average studio apartment. 

Below are the top five most affordable options, with data collected from Zumper’s average cost of a studio apartment, along with the required salary using the 30% income rule The Economist uses in their study. 

1) Wichita, Kansas

Average rent: $585

Required income: $23,400

2) Baton Rouge, Louisiana

Average rent: $715

Required income: $28,600

3) Lincoln, Nebraska

Average rent: $715

Required income: $28,600

4) Des Moines, Iowa

Average rent: $735

Required income: $29,400

5) Akron, Ohio

Average rent: $725

Required income: $29,000

Locations out-of-budget for singles 

It may not surprise you, but New York City was ranked as one of the least affordable places for singles looking to live alone in 2025. On average, the median rent for an apartment is $3,811, which requires earners to rack in more than six-figures, $91,140 above the median wage. 

1) New York, New York

Average rent: $3,811

Required income: $152,440

2) Miami, Florida 

Average rent: $2,100

Required income: $84,000

3) Jersey City, New Jersey

Average rent: $3,036

Required income: $121,440

4) Charleston, South Carolina 

Average rent: $1,663

Required income: $66,520

5) Boston, Massachusetts 

Average rent: $2,500

Required income: $100,000

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About the Author
By Jessica CoacciSuccess Fellow

Jessica Coacci is a reporting fellow at Fortune where she covers success. Prior to joining Fortune, she worked as a producer at CNN and CNBC.

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