$100k in Broomfield
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📊 Broomfield Salary Guide
The Broomfield, CO Salary Guide: What $100K Actually Buys You
In Broomfield, the "Six Figure Salary" tag looks great on a job offer letter. But what happens when it hits your bank account? We analyzed the real math behind a $100,000 gross income to see if you’re building wealth or just paying the bills.
The Verification Test ($100,000 Analysis)
Let’s run the Sticker Price through the reality filter. You sign a contract for $100,000, but that is not your purchasing power.
The Deduction Stack:
- Gross Income: $100,000
- Federal Tax: -$13,614
- FICA Tax: -$7,650
- State Tax (CO): -$4,400
- Local Tax: $0
The Net Reality:
- Total Take Home Pay: $74,336
- Monthly Net Income: $6,195
The Analysis:
You are losing 25.7% of your income to the tax man. However, Broomfield is a tax haven compared to coastal metros. Because Colorado utilizes a flat tax structure and Broomfield charges zero local income tax, you retain $74,336 of your earning power.
That $6,195 monthly net is your arsenal. We’re going to weaponize it.
Smart Budget Breakdown (50/30/20 Rule)
Using the standard 50/30/20 framework, here is how a single earner in Broomfield should deploy that $6,195 monthly net.
Needs ($3,097/mo)
This is your survival bucket. In Broomfield, this amount is tight but livable if you are disciplined.
- Rent/Mortgage: The median rent for a one-bedroom in Broomfield hovers around $1,900 - $2,100. You can fit this in the "Needs" budget, but it consumes roughly 65% of this category.
- Utilities & Transport: Broomfield is car-dependent. Factor in roughly $300 for gas/insurance and $200 for utilities/internet. You have roughly $700 left for groceries and healthcare.
Wants ($1,858/mo)
This is your lifestyle fund. Broomfield offers access to high-end amenities (FlatIron Crossing, proximity to Denver/Boulder).
- Purchasing Power: This is your dining, streaming subscriptions, and gym memberships budget. If you are single, this is ample cash to enjoy the Colorado lifestyle without stress.
Savings ($1,239/mo)
This is where the real wealth creation happens.
- Wealth Creation: $1,239/month is $14,868/year.
- This exceeds the standard 401(k) employer match. You are effectively maxing out a Roth IRA ($7,000/year) and still have nearly $8,000 left to throw into a brokerage account or high-yield savings. This is a strong position for wealth building.
Broomfield Taxes vs The Competition
How does $74,336 take-home pay in Broomfield compare to other tech hubs?
Broomfield vs. Austin, TX:
Austin has no state income tax, which is a massive draw. However, Texas relies on high property taxes. If you own a home in Broomfield, your property tax burden is significantly lower than Travis County, TX. For renters, Austin wins slightly on tax efficiency, but Broomfield wins on safety and access to the mountains.
Broomfield vs. New York City, NY:
NYC is a fiscal bloodbath for high earners. A $100k salary in NYC triggers Federal, State, and City taxes. You would likely take home roughly $68,000 (approx. $5,600/mo).
- The Verdict: Broomfield gives you a $600+ monthly cash flow advantage over NYC. That is an extra $7,200 per year in your pocket just for choosing Colorado.
Frequently Asked Questions (FAQ)
Q: What is the income tax rate in Broomfield?
A: Broomfield has 0% local income tax. You are only subject to Federal tax and the Colorado flat state tax. The Colorado flat tax rate is currently 4.4% of federal taxable income.
Q: Is $100k a good salary in Broomfield?
A: Yes. While Broomfield is one of the more expensive suburbs in the Denver Metro area, $100k provides a monthly net of $6,195. This is well above the living wage for a single adult and allows for significant savings ($1,239/mo) after covering rent and bills.
Q: Does Broomfield have a local city tax?
A: No. Based on current data, Broomfield does not levy a local income tax on residents.
Disclaimer: This guide utilizes estimated tax calculations based on the 2026 IRS tax bracket projections and standard deduction assumptions. State tax rates are subject to legislative change. Figures derived from Bureau of Labor Statistics (BLS) wage data and State Comptroller revenue reports.