2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock, TX to Albany-Schenectady, NY

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Austin-Round Rock-San Marcos, TX to Albany-Schenectady-Troy, NY.

Popular Corridors:
Equivalent Salary
$93,000
To maintain parity
Cost of Living Delta
-7.0%
Overall expenditure basket
Annual Tax Delta
-$4,860
State + local taxes
Annual 1BR Rent Delta
-$1,260
HUD Fair Market Rents
Net Annual Buffer
-$3,600/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$0
Local / City Tax $0
Net Annual Take-Home $79,180
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $60,820
Target Market
Destination Location

Albany-Schenectady-Troy, NY

COL 116.8
Gross Parity Income $93,000
Federal Income Tax -$11,630
FICA (SS & Medicare) -$7,115
State Income Tax -$4,447
Local / City Tax $0
Net Annual Take-Home $69,809
HUD 1BR Fair Market Rent -$17,100
Discretionary Cash Flow $52,709

EPI family budgets put living costs 7.0% lower in Albany-Schenectady-Troy, NY than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $93,000 in Albany. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,425 in Albany, $1,260 a year less. On the same $100,000 salary a single filer pays $4,860 more a year in federal, state and local income tax and FICA in Albany. Taxes and one-bedroom rent together leave you about $3,600 a year worse off. The BLS median wage across all occupations is $56,950 in Austin and $58,460 in Albany.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Austin-Round Rock-San Marcos (Monthly) Albany-Schenectady-Troy (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,425-$105-6.9%
Food & Groceries$334$376+$42+12.6%
Transportation$1,062$1,066+$4+0.4%
Healthcare$467$585+$118+25.3%
Other Necessities$585$450-$135-23.1%
Total Taxes (Federal, State, Local, FICA)$1,735$2,140+$405+23.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$105/mo (-6.9%)
Austin-Round Rock-San Marcos: $1,530/mo Albany-Schenectady-Troy: $1,425/mo
2-Bedroom Fair Market Rent -$106/mo (-5.8%)
Austin-Round Rock-San Marcos: $1,817/mo Albany-Schenectady-Troy: $1,711/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.95/hr (-7.0%)
Austin-Round Rock-San Marcos: $27.77/hr Albany-Schenectady-Troy: $25.82/hr
2 Adults + 1 Child (per earner) +$2.14/hr (9.0%)
Austin-Round Rock-San Marcos: $23.78/hr Albany-Schenectady-Troy: $25.92/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Austin-Round Rock-San Marcos Median Albany-Schenectady-Troy Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$111,130-$6,720 (-5.7%)View Dossier
Software EngineerTechnologyTechnology$134,120$127,910-$6,210 (-4.6%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$99,970+$2,080 (+2.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$109,850+$7,460 (+7.3%)View Dossier
Accountant & AuditorFinanceFinance$83,120$84,660+$1,540 (+1.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$158,250-$18,740 (-10.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$163,510+$11,750 (+7.7%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$95,920-$33,550 (-25.9%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$83,690-$22,910 (-21.5%)View Dossier
Financial ManagerFinanceFinance$167,180$150,590-$16,590 (-9.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$74,890+$14,500 (+24.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$153,580-$11,340 (-6.9%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Austin-Round Rock-San Marcos, TX to Albany-Schenectady-Troy, NY Relocation FAQs

About $93,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 116.8 in Albany-Schenectady-Troy, NY, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Albany-Schenectady-Troy, NY: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Albany-Schenectady-Troy, NY to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock, TX to Albany-Schenectady, NY Overview

Austin-Round Rock-San Marcos, TX to Albany-Schenectady-Troy, NY: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Austin-Round Rock, TX to Albany-Schenectady, NY compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Albany-Schenectady-Troy, NY to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $93,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 116.8 in Albany-Schenectady-Troy, NY, from EPI family budgets); taxes are compared separately below.

Is Albany-Schenectady-Troy, NY cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 7.0% lower in Albany-Schenectady-Troy, NY than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.