USA Living Expenses: What You Really Pay Every Month

If you’re thinking about moving to America or just want to know how much you need for daily life, this guide breaks down the biggest costs. We keep it simple, skip the jargon, and give you numbers you can actually use.

Housing – Rent or Mortgage

Housing takes the biggest bite out of most budgets. In big cities like New York or San Francisco, a one‑bedroom apartment can cost $2,500 to $3,500 a month. In smaller cities or suburbs, you’ll find places for $1,200 to $1,800. If you’re buying, the average mortgage payment for a median‑priced home is around $1,600 a month, but that varies a lot by state. Don’t forget utilities – electricity, water, and internet usually add $150 to $250 a month.

Food and Groceries

How much you spend on food depends on where you shop and whether you cook at home. A typical grocery bill for one person is $300 to $400 a month. If you eat out a lot, add $150 to $250 for meals at restaurants or takeout. Many cities have affordable markets where you can cut the cost, so look for local grocery deals.

Transportation

Car owners pay for gas, insurance, and maintenance. Gas averages about $3.50 per gallon, and a moderate driver spends $150 to $200 a month on fuel. Insurance can be $100 to $150, while routine maintenance adds another $50. If you rely on public transit, a monthly pass costs $70 to $120 in most metros. Some cities also offer bike‑share programs for $30 a month.

Healthcare

Health insurance is a must in the US. Employer‑provided plans often cost $200 to $400 per month for an individual. If you buy on your own, premiums can jump to $400 to $600. Add a $30 to $50 co‑pay for regular doctor visits and a few hundred dollars a year for prescriptions, depending on your needs.

Taxes and Miscellaneous

Federal and state taxes take a chunk out of your paycheck. On average, about 20% to 30% of income goes to taxes, but the exact rate depends on your salary and state. Other regular expenses include phone plans ($50 to $80), streaming services ($10 to $20 each), and entertainment (~$100 a month). Savings and emergency funds are also key – aim to set aside at least 10% of your income.

Putting it all together, a single person in a mid‑size city might need roughly $3,000 to $4,000 a month to cover rent, food, transport, healthcare, and taxes. In high‑cost cities, the number can rise to $5,000 or more. Adjust the figures based on your lifestyle, and you’ll have a realistic budget to plan your move or manage your money better.