2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Bloomington, IN

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 Bloomington, IN.

Popular Corridors:
Equivalent Salary
$80,100
To maintain parity
Cost of Living Delta
-19.9%
Overall expenditure basket
Annual Tax Delta
-$5,039
State + local taxes
Annual 1BR Rent Delta
-$5,208
HUD Fair Market Rents
Net Annual Buffer
+$169/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

Bloomington, IN

COL 100.5
Gross Parity Income $80,100
Federal Income Tax -$8,792
FICA (SS & Medicare) -$6,128
State Income Tax -$2,333
Local / City Tax -$1,693
Net Annual Take-Home $61,154
HUD 1BR Fair Market Rent -$13,152
Discretionary Cash Flow $48,002

EPI family budgets put living costs 19.9% lower in Bloomington, IN than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $80,100 in Bloomington. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,096 in Bloomington, $5,208 a year less. On the same $100,000 salary a single filer pays $5,039 more a year in federal, state and local income tax and FICA in Bloomington. Taxes and one-bedroom rent together leave you about $169 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $47,660 in Bloomington.

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) Bloomington (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,096-$434-28.4%
Food & Groceries$334$355+$21+6.3%
Transportation$1,062$994-$68-6.4%
Healthcare$467$426-$41-8.8%
Other Necessities$585$408-$177-30.3%
Total Taxes (Federal, State, Local, FICA)$1,735$2,155+$420+24.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$434/mo (-28.4%)
Austin-Round Rock-San Marcos: $1,530/mo Bloomington: $1,096/mo
2-Bedroom Fair Market Rent -$565/mo (-31.1%)
Austin-Round Rock-San Marcos: $1,817/mo Bloomington: $1,252/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$5.53/hr (-19.9%)
Austin-Round Rock-San Marcos: $27.77/hr Bloomington: $22.24/hr
2 Adults + 1 Child (per earner) -$3.10/hr (-13.0%)
Austin-Round Rock-San Marcos: $23.78/hr Bloomington: $20.68/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 Bloomington Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$101,310-$16,540 (-14.0%)View Dossier
Software EngineerTechnologyTechnology$134,120$99,990-$34,130 (-25.4%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$80,370-$17,520 (-17.9%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$83,800-$18,590 (-18.2%)View Dossier
Accountant & AuditorFinanceFinance$83,120$76,640-$6,480 (-7.8%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$165,680-$11,310 (-6.4%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$92,410-$37,060 (-28.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$139,280-$12,480 (-8.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$65,660+$5,270 (+8.7%)View Dossier
Financial ManagerFinanceFinance$167,180$134,540-$32,640 (-19.5%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$139,800-$25,120 (-15.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$95,570-$11,030 (-10.3%)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 Bloomington, IN Relocation FAQs

About $80,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 100.5 in Bloomington, IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Bloomington, IN to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Bloomington, IN Overview

Austin-Round Rock-San Marcos, TX to Bloomington, IN: 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 Bloomington, IN to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $80,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 100.5 in Bloomington, IN, from EPI family budgets); taxes are compared separately below.

Is Bloomington, IN cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 19.9% lower in Bloomington, IN than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.