2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Billings, MT

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 Billings, MT.

Popular Corridors:
Equivalent Salary
$84,200
To maintain parity
Cost of Living Delta
-15.8%
Overall expenditure basket
Annual Tax Delta
-$4,289
State + local taxes
Annual 1BR Rent Delta
-$4,776
HUD Fair Market Rents
Net Annual Buffer
+$487/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

Billings, MT

COL 105.8
Gross Parity Income $84,200
Federal Income Tax -$9,694
FICA (SS & Medicare) -$6,441
State Income Tax -$3,396
Local / City Tax $0
Net Annual Take-Home $64,668
HUD 1BR Fair Market Rent -$13,584
Discretionary Cash Flow $51,084

EPI family budgets put living costs 15.8% lower in Billings, MT than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $84,200 in Billings. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,132 in Billings, $4,776 a year less. On the same $100,000 salary a single filer pays $4,289 more a year in federal, state and local income tax and FICA in Billings. Taxes and one-bedroom rent together leave you about $487 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $49,060 in Billings.

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) Billings (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,132-$398-26.0%
Food & Groceries$334$351+$17+5.1%
Transportation$1,062$1,076+$14+1.3%
Healthcare$467$374-$93-19.9%
Other Necessities$585$424-$161-27.5%
Total Taxes (Federal, State, Local, FICA)$1,735$2,092+$357+20.6%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$398/mo (-26.0%)
Austin-Round Rock-San Marcos: $1,530/mo Billings: $1,132/mo
2-Bedroom Fair Market Rent -$385/mo (-21.2%)
Austin-Round Rock-San Marcos: $1,817/mo Billings: $1,432/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$4.38/hr (-15.8%)
Austin-Round Rock-San Marcos: $27.77/hr Billings: $23.39/hr
2 Adults + 1 Child (per earner) -$2.02/hr (-8.5%)
Austin-Round Rock-San Marcos: $23.78/hr Billings: $21.76/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 Billings Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$96,980-$20,870 (-17.7%)View Dossier
Software EngineerTechnologyTechnology$134,120$100,440-$33,680 (-25.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$82,300-$15,590 (-15.9%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$85,540-$16,850 (-16.5%)View Dossier
Accountant & AuditorFinanceFinance$83,120$75,780-$7,340 (-8.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$129,280-$47,710 (-27.0%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$91,920-$37,550 (-29.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$117,970-$33,790 (-22.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$80,980+$20,590 (+34.1%)View Dossier
Financial ManagerFinanceFinance$167,180$137,240-$29,940 (-17.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$212,760+$47,840 (+29.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$99,060-$7,540 (-7.1%)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 Billings, MT Relocation FAQs

About $84,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 105.8 in Billings, MT, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Billings, MT to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Billings, MT Overview

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

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

About $84,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 105.8 in Billings, MT, from EPI family budgets); taxes are compared separately below.

Is Billings, MT cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 15.8% lower in Billings, MT than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.