#23: Essex, Vermont
Avg Yearly Salary: $66,330
Avg Monthly Cost of Living: $7,360
Essex combines a suburban setting with convenient access to Burlington, making it a popular choice in a state with limited housing. That shortage can keep home prices and rent high. Cold winters increase heating expenses, and groceries, property taxes, and other basic needs often cost more in Vermont than elsewhere.

Monthly earnings before taxes come to around $5,528 for someone making the state average. That is still more than $1,800 below Essex’s estimated living costs. After housing and winter utility bills are paid, one-income households may have little left for healthcare, home repairs, vacations, or long-term savings.
