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Living on $40K: 5 Budget-Friendly Cities for Low-Income Earners
As rent prices and inflation surge, living on $40,000 a year feels harder than ever. And in truth, it often isn't enough to meet basic needs without support. But in the right city, where housing is cheaper, public transportation is accessible, and safety nets exist, $40,000 can still stretch further than you'd expect. Read More: Find Out: While definitions of 'low income' vary depending on the source and location, we used $40,000 as a practical benchmark, considering this number is an income that sits near or slightly above the estimated living wage for a single adult in each of these cities. These aren't luxury destinations, but they offer low-income earners a better shot at stability and breathing room. This list of budget-friendly cities is based on publicly available data from the MIT Living Wage Calculator and Cities where low-income individuals have a better chance of managing costs, especially with assistance, were prioritized considering these factors: Median one-bedroom rent under $1,000 per month An estimated living wage under $40,000 per year for a single adult Public transit access or walkability Access to public support programs like Medicaid, SNAP, or local food banks. Discover Next: Average one-bedroom rent: $868 Living wage estimate after taxes: $32,033 Transportation/Walkability: Brownsville's overall Walk Score is 35, indicating that most errands require a car. However, certain neighborhoods, like downtown, are more walkable with a Walk Score of 87. Additionally, Brownsville Metro operates 13 bus routes, providing residents with public transportation options to reduce the need for a car and its expenses. Public support programs: The city is served by the Food Bank of the Rio Grande Valley, one of the largest in South Texas, providing food assistance to numerous local agencies. Texas offers Medicaid through specific waiver programs, and participation in both Medicaid and the Supplemental Nutrition Assistance Program (SNAP) is especially high among low-income households in Cameron County. Average one-bedroom rent: $827 Living wage estimate after taxes: $33,722 Transportation/Walkability: Brownsville Metro operates 13 public bus routes across the city, including the BTX Downtown Circular and Southeast line. The citywide Walk Score is around 35, though some downtown areas are more walkable. Downtown Brownsville, for example, has a Walk Score of 87, meaning most errands can be done on foot. Public support programs: Roughly 25.8% of Cameron County residents are enrolled in Medicaid, and nearly 24% participate in SNAP. The region is also served by the Food Bank of the Rio Grande Valley, which partners with over 275 local agencies to provide food assistance. Average one-bedroom rent: $973 Living wage estimate after taxes: $34,846 Transportation/Walkability: Dayton's public transportation system, operated by the Greater Dayton RTA, includes nearly 20 fixed bus routes, electric trolley buses, and paratransit services. For low-income earners, this network can reduce or eliminate the need for a personal vehicle. The city has a Walk Score of 45, while its downtown area has a Walk Score of 90. Public Support Programs:Roughly 177,000 Montgomery County residents are enrolled in Medicaid, and over 79,000 receive SNAP benefits in 2022. Average one-bedroom rent: $795 Living wage estimate after taxes: $34,883 Transportation/Walkability:The Toledo Area Regional Transit Authority (TARTA) operates 28 fixed bus routes. TARTA also offers paratransit services and on-demand options like TARTA Flex, enhancing mobility for residents. These options can reduce or eliminate the need for a personal car and save residents money on gas, insurance, and upkeep costs. Public Support Programs:Ohio's Medicaid program provides healthcare coverage to eligible residents, including those in Lucas County. Additionally, as of 2022, approximately 67,195 individuals in Lucas County received SNAP benefits. The SeaGate Food Bank, based in Toledo, supports over 400 pantries and programs in Northwest Ohio and plays a crucial role in addressing food insecurity in the region. Average one-bedroom rent: $948 Living wage estimate after taxes: $37,408 Transportation/Walkability:Citilink, Fort Wayne's public transportation system, operates 13 fixed bus routes and additional services like Flexlink and MedLink, connecting various parts of the city and surrounding areas to reduce or eliminate the need for a car. 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Kennebunk High grads told to take risks: 'You have the power to change the world'
KENNEBUNK — Kennebunk High School Valedictorian Emilia Ilyas remembers when the question of her future shifted from fantasy to 'evoking anxiety.' 'I unfortunately had to accept that I would never live in a castle,' Ilyas said. Ilyas, speaking to 168 of her classmates at their graduation ceremony on June 8, said much of life is too focused on the future. She encouraged students to embrace the moment on the school's football field as they prepared to stand and receive their diplomas as the Class of 2025. 'Yes, we're actually graduating. It's real. And it's fleeting,' Ilyas said. 'Let's not forget to be here before we go out there.' A total of 174 students graduated from Kennebunk High School this year, and 169 chose to walk, according to Principal Scott Tombleson. Students gathered on the field in front of friends and loved ones as they turned their tassels and tossed their caps. Superintendent Terri Cooper told students that Sunday marked 'not an ending, but a beginning.' She told students to take risks, travel to 'places that scare and excite' them, and apply for their dream job. 'You have the power to change the world,' Cooper said, 'Whether through grand gestures or quiet moments of compassion.' Kennebunk High School graduate Cooper Thompson told students they grew not just academically, but in their ability to adapt and lead through change. He said students have seen their school evolve over the past four years, welcoming new teachers, coaches, assistant principals, and even a new principal in Tombleson this past year. Every year brought a different rhythm, new expectations, and fresh faces, he said. 'Through it all, we didn't just adjust, but we thrived,' Thompson said. 'That speaks to who we are as a class – resilient, flexible and strong.' The day's faculty speaker, history and social studies teacher Rebecca Moy, put a focus on sports as she described the passion with which she has followed the Oakland Raiders since she was a child. She said sports bring out the best in people who strive to compete. She encouraged students to pursue their passions with the same effort many athletes show in athletics. 'To love sports is to understand the value of competition in testing your personal limits and to make a stand for what you've trained for or what you believe in,' Moy said. She concluded her speech, 'This is about the sincere gratitude I have for those graduates who have allowed me to be a part of your lives and let me share the passions I have.' More: Kennebunk High School names top 10% students in Class of 2025 The day marked Kennebunk High School's 150th graduation. Tombleson, hired in August 2024, said he did not take lightly his role as one of about 20 principals who have led the school. Tombelson described the history of Kennebunk 150 years ago — how shipbuilding was in decline in Maine while tourism was on the rise. He spoke about how the first Kennebunk High School graduation might have had families in town for the graduation staying at the Ocean Bluffs Hotel on Cape Arundel, overlooking Walker's Point, 'having no idea the global significance that small spit of land would one day hold.' (It was and still is owned by the Bush family, who produced two presidents of the United States.) Tombelson said they could not have imagined the student body and its community gathering in 2025. At the time, 150 years ago, Alexander Graham Bell had only just invented the telephone. At the June 8 ceremony, students took photos with their cell phones. To build on his point about history, Tombleson asked everyone who graduated from Kennebunk High School to stand up. He then asked those who graduated before the year 2015 to remain standing, then continued to count back each decade until no more were standing. The numbers went back to the 1960s before every person was sitting, the last met with loud applause. 'Together, we can build across generations,' Tombleson said. 'Together, we can renew our hope and faith in the life that is yet to unfold.' Alexis Vetrano Lucia Collin Reigosa Shay Smithwick Tru Jarvis Melody Rousselle Lila Turley Nova Genest Megan Ames James Bertus Trudo Noah Richardson Emilie Barter Dominique Owen Willow Knowles Caroline Tabor Kathryn Manning Emilia Ilyas Logan Lefebvre Emily Dube Thomas Morin Mykyta Vykhodtsev Ella Beals William Turgeon Elijah Blanchard Collin Reetz Parker Plourde Ethan Burr Charles Majkowski Alexandros Cartwright Phoenix Williams Hank Flynn Ainsley Harden Philip Dyer William McMann Aaron Rosen Luis Roberts Jacob Ghans Ryan Clark Sarah Vargonen Alexandria White Gray Rogers Skylar Holder Emma Orendorf Katherine Orendorf Donovan Kendrick Jonas Adams Alexander Adams Benjamin Johnson Norah McLeod Sasha Altshule Taylor Giles Talia Kellum Juliann Pike Anna Fox Maximilian Prosenc Elan Keys Cooper Samson Samuel Haley Finley Knappe Mekhi Gillard Finneas Coldreck Jordann Gilpatric Eliza Herring Owen Swain Connor Therrien Riley Pelletier Novalee Page-Auger William Eagleson Amara Roberts Annabelle Welch Kylee Caron Otto Fontaine Declan McGlashan Eva Havey Kellyn Zambrano Alexis Snow Robert Pollard Isabel Esch Makena Garriepy Mikayla Kimball Kelsey Ewing Karla Hernandez-Vinajero Cindy Perez-Vinajero Eva MacDonald Summer Shea Simone Houdlette Hannah Keene Owen Snow Jacob Emmons Eric Schoener Wyatt Boulette Gabrielle D'Orso-Palmer Grace Mitchell Anna Smiley Madelyn Smith Delaney Hanson Camryn Houle Noah Hammond Andrew Johnson Owen Quitog Samuel Pietrowicz Charley Norton Ian Pentland Anthony D'Elia Kyle Barron Marcelo Pastora Caballero Bennett Webster Maya Kimball Elizabeth Torstensen Ella Pitchforth Abigail Jenannette Lorelei Ogden Maeve Noble Nicholas Vasquez Mario Real Christopher Smith Jacob Labrador Avery Rossics Elsa Liberatore Isabella Donnery Aubree Veilleux Kaden Stevens Jenna Wright Grace O'Neil Ryan Hansen Jackson Thombs Wyatt Hafer Bronwyn Parkhurst Mya Todd Tanner Wendle Ava Kane Mason Binette Meghan Taggart Nicole Axelsen Sonja Frederich Eliza Sayer Abigaile Santerre Molly McKinney Addison Carbone Cenzie Cunningham Audrey Madden Weston Church Blake Dallara Theo Pow Benjamin Urban Kellen Connor Gavin MacDonald Isaac Jensen Calvin Johnson Jack Mosser Brady Stone Jonathan Hines Cooper Thompson Cole Perkins Willard Kull Cole Seitz Aidan Lynch Max Andrews Noah Tarring Brady Holder William Camp Jasper Raymond Shane Woloszyn Ryan Cumiskey Autumn Shaw Aurora Crone Maxwell Stewart Maddox Ralls Caleb Auriema Jacob Eon This article originally appeared on Portsmouth Herald: Kennebunk High grads told to take risks and 'change the world'
