It’s tough to get by on minimum wage no matter where you live. But in a few select cities, life on the lowest end of the pay scale is more forgiving.

To determine the cities where it’s easiest to be a minimum wage worker, GOBankingRates found the largest 100 cities where the minimum wage is higher than the $7.25-an-hour federal minimum wage. Then, examined the median price of rent for a one-bedroom apartment and the cost of groceries, utilities and transportation to determine if the pay from a minimum-wage job could cover those expenses.

Of the 13 cities that met that threshold, they were ranked then in order of how much was money left over per year after paying for basic expenses, from the least amount of extra cash to the most. If you earn the minimum wage, click through to see where you can live comfortably.

Workers in Tucson have the highest annual surplus of about $8,700 — which doesn’t amount to a lot of wiggle room.

Two other Arizona cities, Mesa and Phoenix, also fell within GOBankingRates’ top 10 list.

The Grand Canyon State has a relatively high minimum wage ($2.75 above the federal minimum wage). Minimum-wage workers face financial struggles no matter where they live — but some cities are more affordable than others.

High housing costs put renting a two-bedroom apartment out of reach for minimum-wage workers in any U.S. state, according to the National Low Income Housing Coalition. In only 1 of 12 counties can a full-time minimum-wage worker afford the rent for a one-bedroom apartment, they estimate.

The study isn’t a full picture — it doesn’t take into account federal or state taxes, and it assumes the employee will work 40 hours per week for 52 weeks without a break.

Even so, only 13 metros made the cut:

Tucson topped the list. GOBankingRates estimated that a resident earning the minimum wage in the city ($10 an hour) would have an annual surplus of about $8,700 — which still isn’t a lot to work with to meet other goals like paying off debts or saving for retirement.

Low housing, grocery and utility costs make Tucson one the cheapest places to live. The median monthly rent in this city just 60 miles from the U.S.-Mexico border is only $628 — the seventh lowest on our list. That’s a key reason why you can live in Tucson for less than $50,000 a year, and why it’s the city in Arizona where your paycheck stretches furthest.

Here are the 13 Cities in top ranking:

The following commercial leases were reported to the Real Estate Daily News for the Phoenix Lease Report from January 30 thru February 3, 2017.

INDUSTRIAL – 2225 S 43^RD AVE., PHOENIX
NAI Horizon Senior Vice Presidents Isy Sonabend and Rick Foss negotiated a long-term industrial lease for a façade and curtainwall design company at 2225 S. 43^rd Ave., in Phoenix.  NAI Horizon represented the tenant, Enclos, in a deal worth $1.373 million. Enclos manufactures office building window curtains. Enclos is leasing 117,780-square-feet of the facility, Riverside Distribution Center, which formerly housed a moving and storage company.

“The business climate and extensive site search propelled Phoenix as the prime location to situate Enclos’ manufacturing operations in the Southwest part of the country,” Sonabend said. Amenities of the space (Suite 1 in the building) include a 7,373-square-feet existing upgraded office, 15 dock-high positions, four grade-level positions, evaporative-cooled warehouse, and a 25,000-square-feet secured rear lot.The landlord, Exeter 2225 S. 43^rd Av. LLC of Conshohocken, PA, was represented by Riley Gilbert of JLL.

RETAIL – 1625 W CAMELBACK RD., PHOENIX
NAI Horizon negotiated a long-term lease for a Planet Fitness at 1625 W. Camelback Rd., in Phoenix. The NAI retail properties team of Senior Vice President Chris Gerow, Senior Vice President Shelby Tworek, Vice President Gabe Ortega, and Associate Patrick Anthon represented the tenant, JEF-FIT 17^th Ave. & Camelback, LLC of Philadelphia in the transaction totaling $2.723 million. This is the fourth long-term lease for a Planet Fitness in Metro Phoenix for the NAI Horizon retail team in the past eight months. Other municipalities include Queen Creek, Gilbert and Maricopa.

“There were multiple moving parts on this particular deal. It was a very complex transaction involving Planet Fitness, the existing tenant (Blast Fitness) and the current landlord,” Tworek said. “Planet Fitness had a void in this particular trade zone and we were able to create an opportunity that worked for all parties involved.” Planet Fitness is actively looking for additional sites in Metro Phoenix. The landlord in the Camelback deal, Park Lee Star Holdings, LLC of Brooklyn, N.Y., was represented by Zell Commercial.

RETAIL – PARADISE SQUARE, SWC THUNDERBIRD & 40^TH ST., PHOENIX
A Retail Lease for 2,330-square-feet within Paradise Square at SWC of Thunderbird & 40^th Street in Phoenix, AZ to Zabari Mediterranean Restaurant was recently consummated. The owner of the center is Manatee Investments, LLC.  Jared Lively of Rein & Grossoehme represented the Landlord and Kevin Roessler of Rein & Grossoehme represented the tenant on this transaction.

RETAIL – PARADISE SQUARE, SWC THUNDERBIRD & 40^TH ST., PHOENIX
A Retail Lease for 1,110–square-feet within Paradise Square at SEC of 40^th St & Thunderbird in Phoenix, AZ to MetroPCS was recently consummated. The owner of the center is Southwestern Holdings, LLC.  Jared Lively of Rein & Grossoehme represented the landlord and Hayden Duff of HK Realty represented the Tenant on this transaction.

RETAIL – ROSS PLAZA, NEC 43^RD AVE & PEORIA, PHOENIX
A Retail Lease for 1,110–square-feet within Ross Plaza at NEC of 43^rd Ave & Peoria in Phoenix, AZ to Goldfinger Barber Shop was recently consummated. The owner of the center is BH Properties.  Jared Lively of Rein & Grossoehme represented both the landlord and the tenant on this transaction.

RETAIL – GREENWAY VILLAGE SQUARE, SEC 35^TH & GREENWAY, PHOENIX
A Retail Lease for 900-square-feet within Greenway Village Square at SEC of 35th Ave & Greenway in Phoenix, AZ to MetroPCS was recently consummated. The owner of the center is Southwestern Holdings, LLC.  Jared Lively of Rein & Grossoehme represented the landlord and Hayden Duff of HK Realty represented the tenant on this transaction.

RETAIL – THUNDERBIRD SQUARE, SEC 35^TH & GREENWAY, PHOENIX
A Retail Lease for 900-square-feet within Thunderbird Square at SEC of 35th Ave & Thunderbird in Phoenix, AZ to MetroPCS was recently consummated. The owner of the center is Southwestern Holdings, LLC. Jared Lively of Rein & Grossoehme represented the landlord and Alexis Suarez of ASI Real Estate represented the tenant on this transaction.

The following commercial leases were reported to the Real Estate Daily News for the Phoenix Lease Report from December 19 thru 30, 2016.

INDUSTRIAL – 1888 E BROADWAY RD., TEMPE, AZ
Isy Sonabend and Rick Foss with NAI Horizon represented the landlord, Tempe Partnership, in a 108-month industrial lease for 26,023-square-feet at 1888 E. Broadway Rd., Tempe, AZ. Rick Foss represented the tenant, TDIndustries, Inc.

OFFICE – 1255 W BASELINE RD., TEMPE, AZ
Laurel Lewis of NAI Horizon represented the tenant, Southwest Behavioral Health, in a 51-month office lease with 1255 Baseline, LLC for 8,825-square-feet at 1255 W. Baseline Rd., Mesa, AZ.

RETAIL – MAIN ST & RECKER RD, MESA, AZ
A Retail Lease for 3,544-square-feet within Buckhorn Plaza at NEC of Main St & Recker Rd in Mesa, AZ to Athoria Games was recently consummated. The owner of the center is EC Mesa, LLC.  Jared Lively of Rein & Grossoehme represented the Landlord and Jason Feldman of Arizona Commercial Real Estate represented the Tenant.

RETAIL – 7114 E SAHUARO DR., SCOTTSDALE, AZ
Sharon Reeves with NAI Horizona represented the landlord, Norma Jane Clarke Trust, in a 26-month retail lease with The Lost and Found Resale, LLC for 2,888-square-feet at 7114 E. Sahuaro Dr., Scottsdale, AZ.

OFFICE – 1201 S ALMA SCHOOL RD., MESA, AZ
Laurel Lewis of NAI Horizon represented the tenant, Financial Services, in a 60-month office lease with Mesa Financial Plaza, LLC for 2,770-square-feet at 1201 S. Alma School Rd., Mesa, AZ.

RETAIL – 6663 E McDOWELL RD., MESA, AZ
Chris Gerow, Shelby Tworek, Gabe Ortega and Patrick Anthon with NAI Horizon represented the tenant, Breaking Eggs Café, LLC, in a 126-month retail lease for 2,225-square-feet at 6663 E. McDowell Rd., Mesa, AZ. Chris Corso with DeRito Partners, Inc. represented the landlord, Superstition Promenade, LLC.

RETAIL – 1949 W RAY RD., CHANDLER, AZ
Chris Gerow, Shelby Tworek, Gabe Ortega and Patrick Anthon with NAI Horizon represented the landlord, CP6SW, LLC, in a 64-month retail lease for 2,210-square-feet at 1949 W. Ray Rd., Chandler, AZ. Randy Shell with Shell Commercial represented the tenant, SoHo Hair Bar.

RETAIL – 1840 E WARNER RD., TEMPE, AZ
Chris Gerow Shelby Tworek, Gabe Ortega and Patrick Anthon with NAI Horizon represented both the tenant and landlord, Ken’s Nails, in a 126-month retail lease with CP6MF, LLC for 2,100-square-feet at 1840 E. Warner Rd., Tempe, AZ.

RETAIL – SWC UNIVERSITY & LOOP 101, TEMPE, AZ
A Retail Lease for 1,946-square-feet within University 101 Shops at SWC of University & Loop 101 in Tempe, AZ to Brainstorm Escape Room was recently consummated. The owner of the center is 2155 E. University, LLC.  Jared Lively of Rein & Grossoehme represented both the Landlord and the Tenant on this transaction.

RETAIL – 6655 E McDOWELL RD., MESA, AZ
Chris Gerow, Shelby Tworek, Gabe Ortega and Patrick Anthon with NAI Horizon represented the tenant, Breaking Eggs Catering, in a 120-month retail lease for 1,657-square-feet at 6655 E. McDowell Rd., Mesa, AZ. Chris Corso with DeRito Partners, Inc. represented the landlord, Superstition Promenade, LLC.

OFFICE – 1144 E McDOWELL RD., PHOENIX, AZ
Tom Bean and Stan Matzinger with NAI Horizon represented the tenant, Arizona Correctional Peace Officers Association, Inc., in a 64-month office lease for 1,603-square-feet at 1144 E. McDowell Rd,, Phoenix, AZ. Philip Wurth with Colliers International represented the landlord, Okanagan Park Holdings, LLC.

RETAIL – 5052 W OLIVE AVE., GLENDALE, AZ
A lease for 1,200-square-feet at the NEC of Olive & 51st Ave to Power Nutrition was recently consummated.  The location of the property is the 5052 West Olive Ave in Glendale, AZ.  Power Nutrition has 3 locations in the metro Phoenix area.  The owner of the center is an LLC formed by West Valley Properties.  Jim Edwards of Rein & Grossoehme Commercial Real Estate represented the Tenant and Patrick Anthon of NAI Horizon represented the Landlord.

RETAIL – 9021 N 51^st AVE., GLENDALE, AZ
Chris Gerow, Shelby Tworek, Gabe Ortega and Patrick Anthon with NAI Horizon represented the landlord, CP6GC, LLC, in a 60-month retail lease for 1,200-square-feet at 9021 N. 51st Ave., Glendale, AZ. Jerry Roberts with Triple Net America, LLC represented the tenant, Avalon Massage.

RETAIL – 350 E BASELINE RD., MESA, AZ
A lease for 1,200-square-feet at the NEC of Baseline & Country Club to My Peak Wireless was recently consummated.  The location of the property is the 350 E Baseline Road in Mesa, AZ.  Peak Wireless is new to the valley, but is rapidly expanding.  The owner of the center is CFT NV Developments, LLC.  Jim Edwards of Rein & Grossoehme Commercial Real Estate represented the Landlord and Marty Olejarczyk of GPS Retail Advisors represented the Tenant.

RETAIL – NEC MAIN & RECKER RD., MESA, AZ
A Retail Lease for 1,045-square-feet within Buckhorn Plaza at NEC of Main St & Recker Rd in Mesa, AZ to MetroPCS was recently consummated. The owner of the center is EC Mesa, LLC. Jared Lively of Rein & Grossoehme represented the Landlord and Hayden Duff of HK Realty represented the Tenant.

OFFICE – 1940 E THUNDERBIRD RD., PHOENIX, AZ
Tom Bean with NAI Horizon represented both landlord and tenant, MFPI, LLC, in a 48-month office lease with Marc Business Forms, Inc. for 905-square-feet at 1940 E. Thunderbird Rd., Phoenix, AZ.

OFFICE – 1940 E THUNDERBIRD RD., PHOENIX, AZ
Tom Bean with NAI Horizon represented both landlord and tenant, MFPI, LLC, in a 24-month office lease with Paul G. Severs, PC for 616-square-feet at 1940 E. Thunderbird Rd., Phoenix, AZ.

RETAIL – SWC THUNDERBIRD & TATUM, PHOENIX, AZ
A lease for 600-square-feet at the SWC of Thunderbird & Tatum to Sleeping Beauty Spa & Lash Bar was recently consummated.  The location of the property is the SWC of Thunderbird & Tatum in Phoenix, AZ.  Sleeping Beauty is a single location operator.  The owner of the center is an LLC formed by Joan Pederson.  Jim Edwards of Rein & Grossoehme Commercial Real Estate represented the Tenant and Chris Campbell of Cushman Wakefield represented the landlord.

RETAIL – 1830 E WARNER RD., TEMPE, AZ
Chris Gerow, Shelby Tworek, Gabe Ortega and Patrick Anthon represented the landlord, CP6MF, LLC, in a 60-month retail lease with Verizon Wireless, LLC for 418-square-feet at 1830 E. Warner Rd., Tempe, AZ.

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