2026 Relocation & Cost Arbitrage Engine

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

Popular Corridors:
Equivalent Salary
$81,500
To maintain parity
Cost of Living Delta
-18.5%
Overall expenditure basket
Annual Tax Delta
-$4,289
State + local taxes
Annual 1BR Rent Delta
-$5,880
HUD Fair Market Rents
Net Annual Buffer
+$1,591/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

Helena, MT

COL 102.4
Gross Parity Income $81,500
Federal Income Tax -$9,100
FICA (SS & Medicare) -$6,235
State Income Tax -$3,244
Local / City Tax $0
Net Annual Take-Home $62,921
HUD 1BR Fair Market Rent -$12,480
Discretionary Cash Flow $50,441

EPI family budgets put living costs 18.5% lower in Helena, MT than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $81,500 in Helena. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,040 in Helena, $5,880 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 Helena. Taxes and one-bedroom rent together leave you about $1,591 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $55,040 in Helena.

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) Helena (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,040-$490-32.0%
Food & Groceries$334$366+$32+9.6%
Transportation$1,062$1,104+$42+4.0%
Healthcare$467$468+$1+0.2%
Other Necessities$585$453-$132-22.6%
Total Taxes (Federal, State, Local, FICA)$1,735$2,092+$357+20.6%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$490/mo (-32.0%)
Austin-Round Rock-San Marcos: $1,530/mo Helena: $1,040/mo
2-Bedroom Fair Market Rent -$497/mo (-27.4%)
Austin-Round Rock-San Marcos: $1,817/mo Helena: $1,320/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$6.37/hr (-22.9%)
Austin-Round Rock-San Marcos: $27.77/hr Helena: $21.40/hr
2 Adults + 1 Child (per earner) +$17.42/hr (73.3%)
Austin-Round Rock-San Marcos: $23.78/hr Helena: $41.20/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 Helena Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$101,510-$16,340 (-13.9%)View Dossier
Software EngineerTechnologyTechnology$134,120$99,370-$34,750 (-25.9%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$98,690+$800 (+0.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$102,970+$580 (+0.6%)View Dossier
Accountant & AuditorFinanceFinance$83,120$76,700-$6,420 (-7.7%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$130,230-$46,760 (-26.4%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$86,940-$42,530 (-32.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$142,520-$9,240 (-6.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$78,760+$18,370 (+30.4%)View Dossier
Financial ManagerFinanceFinance$167,180$133,360-$33,820 (-20.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$154,770-$10,150 (-6.2%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$103,140-$3,460 (-3.2%)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 Helena, MT Relocation FAQs

About $81,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 102.4 in Helena, MT, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

Austin-Round Rock-San Marcos, TX to Helena, 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 Helena, MT to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $81,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 102.4 in Helena, MT, from EPI family budgets); taxes are compared separately below.

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

EPI's family budgets for a single adult put overall living costs 18.5% lower in Helena, MT than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.