For recent college graduates, where you live after school can shape your financial future as much as your major or first job. With the class of 2025 entering a job market marked by tighter white-collar competition, AI encroaching on entry-level roles, and higher unemployment, the question isn’t just how much new grads can earn, but how far that income will go.

A new analysis from Upgraded Points reveals which U.S. metros and states are the most and least affordable for recent college graduates , comparing median earnings with cost-of-living estimates to identify where new grads can get the strongest start—and where even solid salaries may fall short.

Key Findings for New York State

Recent college graduates earn a median $61,770 annually in New York State, compared to the nation

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