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Orgo-Life the new way to the future Advertising by AdpathwayDENVER (KDVR) -- Coloradans need to make some of the highest salaries in the nation in order to afford to live comfortably, according to a recent study.
The Smartasset study looked at data for all the states using the MIT Living Wage Calculator to see what the cost of living is like for adults living with no children, and for two working adults with two children. The study then applied the 50/30/20 budgeting rule to determine where workers need to make the most money to afford a comfortable lifestyle.
According to the report, Colorado ranks as the No. 9 state where the salary needed to live comfortably is the highest.
State rank | Income needed for a single adult | Income needed for a family of four |
1. Hawaii | $124,467 | $294,362 |
2. Massachusetts | $120,141 | $313,747 |
3. California | $119,475 | $287,456 |
4. New York | $114,691 | $276,973 |
5. Washington | $109,658 | $277,888 |
6. New Jersey | $108,992 | $282,714 |
7. Maryland | $108,867 | $259,168 |
8. Virginia | $106,704 | $241,696 |
9. Colorado | $105,955 | $273,728 |
10. Connecticut | $105,165 | $290,368 |
The report found that the top 15 states all require an income of at least $100,000 for a single adult to live comfortably.
The income needed to live comfortably in Colorado has increased since 2024. According to the report, the necessary income for a single adult to live comfortably in 2025 is $105,955.20, a 2.58% increase from $103,293 last year. The income needed for a family of four to live comfortably also increased 3.3% from $264,992 in 2024 to $273,728 in 2025.
Similar incomes are necessary to live comfortably in many of the states toward the top of the list. Meanwhile, the income necessary to live comfortably dips to the low $ 80,000s in some states.
The state with the lowest comfortable lifestyle income is West Virginia, at $80,829 for single adults and $195,354 for families.
States that require an income less than $85,000 for a comfortable lifestyle include Ohio, Oklahoma, Kentucky, North Dakota, South Dakota, Arkansas and West Virginia.
More data points and the list of rankings can be found in the full report on the Smartasset website.