Are Muslim women allowed to live on their own, especially if they are financially independent? Or must they live with their parents?

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Generally, being alone was something that the Prophet (Allah bless him and give him peace) discouraged for both genders.

However, if there is a reasonable need, it would be permitted to do so provided that you are somewhere safe and are confident in being able to uphold yourself to religious standards while living on your own.

If it’s reasonably an option, look into the possibility of living in a shared space with other believing sisters and the like.

The Prophet (peace and blessings be upon him) forbade a person from staying alone, sleeping alone, or that they travel alone. ___Ahmad

This prohibition is for discouragement–dislikedness (karaha), as mentioned by the majority of the scholars. The discouragement in the hadith is to prevent a person from falling into sinful acts. Being alone is more likely to make a person prone to be weak and commit sinful acts, whereas, living with a good companion motivates a person to commit good deeds and have good conduct as well.

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