It's laughably not close. I wrote a full reply with figures, but it took up a ton of space. The short version is that neither of your models are accurate as to

It's laughably not close. I wrote a full reply with figures, but it took up a ton of space. The short version is that neither of your models are accurate as to the actual costs in this city, and you've also just flat out ignored a ton of cost verticals. Quick sanity check: there's zero medical costs. Zero clothing costs. Zero furniture costs. Zero moving expenses. Zero allowance for costs associated with sharing your place with 2 other people. Zero education or progression related investments. Zero capital expenditures on your computer (better hope it never fails, right?). And that's just a taste. The model is SO wrong as to be laughable.