2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Bellingham, WA

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 Bellingham, WA.

Popular Corridors:
Equivalent Salary
$94,800
To maintain parity
Cost of Living Delta
-5.2%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
-$12
HUD Fair Market Rents
Net Annual Buffer
+$12/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

Bellingham, WA

COL 119.0
Gross Parity Income $94,800
Federal Income Tax -$12,026
FICA (SS & Medicare) -$7,252
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $75,522
HUD 1BR Fair Market Rent -$18,348
Discretionary Cash Flow $57,174

EPI family budgets put living costs 5.2% lower in Bellingham, WA than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $94,800 in Bellingham. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,529 in Bellingham, $12 a year less. On a $100,000 salary a single filer pays the same total tax in both metros. Taxes and one-bedroom rent together leave you about $12 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $57,820 in Bellingham.

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) Bellingham (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,529-$1-0.1%
Food & Groceries$334$418+$84+25.1%
Transportation$1,062$1,104+$42+4.0%
Healthcare$467$395-$72-15.4%
Other Necessities$585$548-$37-6.3%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1/mo (-0.1%)
Austin-Round Rock-San Marcos: $1,530/mo Bellingham: $1,529/mo
2-Bedroom Fair Market Rent +$55/mo (3.0%)
Austin-Round Rock-San Marcos: $1,817/mo Bellingham: $1,872/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.45/hr (-5.2%)
Austin-Round Rock-San Marcos: $27.77/hr Bellingham: $26.32/hr
2 Adults + 1 Child (per earner) +$0.82/hr (3.4%)
Austin-Round Rock-San Marcos: $23.78/hr Bellingham: $24.60/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 Bellingham Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$125,840+$7,990 (+6.8%)View Dossier
Software EngineerTechnologyTechnology$134,120$128,250-$5,870 (-4.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$103,400+$1,010 (+1.0%)View Dossier
Accountant & AuditorFinanceFinance$83,120$85,450+$2,330 (+2.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$169,640-$7,350 (-4.2%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$120,540-$8,930 (-6.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$133,220-$18,540 (-12.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$97,590+$37,200 (+61.6%)View Dossier
Financial ManagerFinanceFinance$167,180$158,960-$8,220 (-4.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$143,450-$21,470 (-13.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$84,620-$21,980 (-20.6%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$102,980$156,580+$53,600 (+52.0%)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 Bellingham, WA Relocation FAQs

About $94,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 119.0 in Bellingham, WA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Bellingham, WA: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Bellingham, WA to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Bellingham, WA Overview

Austin-Round Rock-San Marcos, TX to Bellingham, WA: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same.

Quick answers
How much salary do I need in Bellingham, WA to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $94,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 119.0 in Bellingham, WA, from EPI family budgets); taxes are compared separately below.

Is Bellingham, WA cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 5.2% lower in Bellingham, WA than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.