2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock, TX to Fort Collins Metro, CO

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 Fort Collins-Loveland, CO.

Popular Corridors:
Equivalent Salary
$103,100
To maintain parity
Cost of Living Delta
+3.1%
Overall expenditure basket
Annual Tax Delta
-$3,692
State + local taxes
Annual 1BR Rent Delta
+$708
HUD Fair Market Rents
Net Annual Buffer
-$4,400/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

Fort Collins-Loveland, CO

COL 129.4
Gross Parity Income $103,100
Federal Income Tax -$13,852
FICA (SS & Medicare) -$7,887
State Income Tax -$3,828
Local / City Tax $0
Net Annual Take-Home $77,533
HUD 1BR Fair Market Rent -$19,068
Discretionary Cash Flow $58,465

EPI family budgets put living costs 3.1% higher in Fort Collins-Loveland, CO than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $103,100 in Fort Collins. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,589 in Fort Collins, $708 a year more. On the same $100,000 salary a single filer pays $3,692 more a year in federal, state and local income tax and FICA in Fort Collins. Taxes and one-bedroom rent together leave you about $4,400 a year worse off. The BLS median wage across all occupations is $56,950 in Austin and $55,310 in Fort Collins.

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) Fort Collins-Loveland (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,589+$59+3.9%
Food & Groceries$334$389+$55+16.5%
Transportation$1,062$1,093+$31+2.9%
Healthcare$467$454-$13-2.8%
Other Necessities$585$566-$19-3.2%
Total Taxes (Federal, State, Local, FICA)$1,735$2,043+$308+17.8%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$59/mo (3.9%)
Austin-Round Rock-San Marcos: $1,530/mo Fort Collins-Loveland: $1,589/mo
2-Bedroom Fair Market Rent -$58/mo (-3.2%)
Austin-Round Rock-San Marcos: $1,817/mo Fort Collins-Loveland: $1,759/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$0.85/hr (3.1%)
Austin-Round Rock-San Marcos: $27.77/hr Fort Collins-Loveland: $28.62/hr
2 Adults + 1 Child (per earner) +$2.23/hr (9.4%)
Austin-Round Rock-San Marcos: $23.78/hr Fort Collins-Loveland: $26.01/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 Fort Collins-Loveland Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$105,770-$12,080 (-10.3%)View Dossier
Software EngineerTechnologyTechnology$134,120$133,990-$130 (-0.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$101,310-$1,080 (-1.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$97,600-$290 (-0.3%)View Dossier
Accountant & AuditorFinanceFinance$83,120$89,340+$6,220 (+7.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$195,190+$18,200 (+10.3%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$121,610-$7,860 (-6.1%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$198,550+$46,790 (+30.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$61,410+$1,020 (+1.7%)View Dossier
Financial ManagerFinanceFinance$167,180$175,890+$8,710 (+5.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$189,690+$24,770 (+15.0%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$102,980$105,990+$3,010 (+2.9%)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 Fort Collins-Loveland, CO Relocation FAQs

About $103,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 129.4 in Fort Collins-Loveland, CO, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Fort Collins-Loveland, CO: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Fort Collins-Loveland, CO to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock, TX to Fort Collins Metro, CO Overview

Austin-Round Rock-San Marcos, TX to Fort Collins-Loveland, CO: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Austin-Round Rock, TX to Fort Collins Metro, CO compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Fort Collins-Loveland, CO to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $103,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 129.4 in Fort Collins-Loveland, CO, from EPI family budgets); taxes are compared separately below.

Is Fort Collins-Loveland, CO cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 3.1% higher in Fort Collins-Loveland, CO than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.