I’m living off of significantly less than $30,000 a year in E”Y and have been in kollel for 3 years already.
I live pretty comfortably compared to my friends who are not making as much as I am. It can get tough at times but HKBH sends the money and we make it.
I estimate that I can easily handle five kids (iy”h) within $40,000 and still be living relatively comfortable.
That being said, its not always so easy for a girl to find a job that pays so well here in E”Y. But people do it here.