2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Chico, CA

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 Chico, CA.

Popular Corridors:
Equivalent Salary
$94,300
To maintain parity
Cost of Living Delta
-5.7%
Overall expenditure basket
Annual Tax Delta
-$6,211
State + local taxes
Annual 1BR Rent Delta
-$4,080
HUD Fair Market Rents
Net Annual Buffer
-$2,131/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

Chico, CA

COL 118.4
Gross Parity Income $94,300
Federal Income Tax -$11,916
FICA (SS & Medicare) -$7,214
State Income Tax -$4,381
Local / City Tax $0
Net Annual Take-Home $69,563
HUD 1BR Fair Market Rent -$14,280
Discretionary Cash Flow $55,283

EPI family budgets put living costs 5.7% lower in Chico, CA than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $94,300 in Chico. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,190 in Chico, $4,080 a year less. On the same $100,000 salary a single filer pays $6,211 more a year in federal, state and local income tax and FICA in Chico. Taxes and one-bedroom rent together leave you about $2,131 a year worse off. The BLS median wage across all occupations is $56,950 in Austin and $48,050 in Chico.

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) Chico (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,190-$340-22.2%
Food & Groceries$334$386+$52+15.6%
Transportation$1,062$1,070+$8+0.8%
Healthcare$467$707+$240+51.4%
Other Necessities$585$452-$133-22.7%
Total Taxes (Federal, State, Local, FICA)$1,735$2,253+$518+29.9%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$340/mo (-22.2%)
Austin-Round Rock-San Marcos: $1,530/mo Chico: $1,190/mo
2-Bedroom Fair Market Rent -$308/mo (-17.0%)
Austin-Round Rock-San Marcos: $1,817/mo Chico: $1,509/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.58/hr (-5.7%)
Austin-Round Rock-San Marcos: $27.77/hr Chico: $26.19/hr
2 Adults + 1 Child (per earner) +$0.77/hr (3.2%)
Austin-Round Rock-San Marcos: $23.78/hr Chico: $24.55/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 Chico Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$98,390-$19,460 (-16.5%)View Dossier
Software EngineerTechnologyTechnology$134,120$131,360-$2,760 (-2.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$127,360+$29,470 (+30.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$103,320+$930 (+0.9%)View Dossier
Accountant & AuditorFinanceFinance$83,120$77,680-$5,440 (-6.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$137,890-$39,100 (-22.1%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$82,730-$46,740 (-36.1%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$97,430-$54,330 (-35.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$65,400+$5,010 (+8.3%)View Dossier
Financial ManagerFinanceFinance$167,180$130,600-$36,580 (-21.9%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$139,830-$25,090 (-15.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$78,380-$28,220 (-26.5%)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 Chico, CA Relocation FAQs

About $94,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 118.4 in Chico, CA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Chico, CA to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Chico, CA Overview

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

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

About $94,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 118.4 in Chico, CA, from EPI family budgets); taxes are compared separately below.

Is Chico, CA cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 5.7% lower in Chico, CA than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.