2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Cincinnati, OH-KY-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 Cincinnati, OH-KY-IN.

Popular Corridors:
Equivalent Salary
$77,000
To maintain parity
Cost of Living Delta
-23.0%
Overall expenditure basket
Annual Tax Delta
-$3,781
State + local taxes
Annual 1BR Rent Delta
-$4,824
HUD Fair Market Rents
Net Annual Buffer
+$1,043/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

Cincinnati, OH-KY-IN

COL 96.7
Gross Parity Income $77,000
Federal Income Tax -$8,110
FICA (SS & Medicare) -$5,891
State Income Tax -$1,342
Local / City Tax -$1,386
Net Annual Take-Home $60,272
HUD 1BR Fair Market Rent -$13,536
Discretionary Cash Flow $46,736

EPI family budgets put living costs 23.0% lower in Cincinnati, OH-KY-IN than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $77,000 in Cincinnati. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,128 in Cincinnati, $4,824 a year less. On the same $100,000 salary a single filer pays $3,781 more a year in federal, state and local income tax and FICA in Cincinnati. Taxes and one-bedroom rent together leave you about $1,043 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $50,170 in Cincinnati.

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) Cincinnati (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,128-$402-26.3%
Food & Groceries$334$346+$12+3.6%
Transportation$1,062$1,024-$38-3.6%
Healthcare$467$435-$32-6.9%
Other Necessities$585$382-$203-34.7%
Total Taxes (Federal, State, Local, FICA)$1,735$2,050+$315+18.2%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$402/mo (-26.3%)
Austin-Round Rock-San Marcos: $1,530/mo Cincinnati: $1,128/mo
2-Bedroom Fair Market Rent -$375/mo (-20.6%)
Austin-Round Rock-San Marcos: $1,817/mo Cincinnati: $1,442/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$6.39/hr (-23.0%)
Austin-Round Rock-San Marcos: $27.77/hr Cincinnati: $21.38/hr
2 Adults + 1 Child (per earner) -$2.32/hr (-9.8%)
Austin-Round Rock-San Marcos: $23.78/hr Cincinnati: $21.46/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 Cincinnati Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$100,670-$17,180 (-14.6%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$83,650-$14,240 (-14.5%)View Dossier
Software EngineerTechnologyTechnology$134,120$121,420-$12,700 (-9.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$95,380-$7,010 (-6.8%)View Dossier
Accountant & AuditorFinanceFinance$83,120$80,640-$2,480 (-3.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$138,790-$12,970 (-8.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$169,530-$7,460 (-4.2%)View Dossier
Financial ManagerFinanceFinance$167,180$152,700-$14,480 (-8.7%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$63,490+$3,100 (+5.1%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$97,360-$9,240 (-8.7%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$84,700-$44,770 (-34.6%)View Dossier
Quality Control InspectorIndustrial ManufacturingIndustrial Manufacturing$48,260$48,340+$80 (+0.2%)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 Cincinnati, OH-KY-IN Relocation FAQs

About $77,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 96.7 in Cincinnati, OH-KY-IN, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Cincinnati, OH-KY-IN to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Cincinnati, OH-KY-IN Overview

Austin-Round Rock-San Marcos, TX to Cincinnati, OH-KY-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 Cincinnati, OH-KY-IN to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $77,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 96.7 in Cincinnati, OH-KY-IN, from EPI family budgets); taxes are compared separately below.

Is Cincinnati, OH-KY-IN cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 23.0% lower in Cincinnati, OH-KY-IN than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.