Can a Surgeon afford to live in Sacramento?

Excellent85% of take-home left to save — you can save aggressively here.
Median salary (gross)
Surgeon · Sacramento
$492,779
Income tax (~45% effective)
United States
– $223,645
Take-home pay
$22,428/mo
$269,134
Living costs (1 person)
$3,300/mo · derived
– $39,600
Savings potential
$19,128/mo · 85% of take-home
$229,534

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Sacramento? →Compare Sacramento with another city →

How we calculated this

• Salary: BLS OES median for Surgeon, adjusted for Sacramento.

• Tax: United States single-filer effective rate (~45%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.