2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Lubbock, TX

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 Lubbock, TX.

Popular Corridors:
Equivalent Salary
$74,600
To maintain parity
Cost of Living Delta
-25.4%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
-$5,760
HUD Fair Market Rents
Net Annual Buffer
+$5,760/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

Lubbock, TX

COL 93.7
Gross Parity Income $74,600
Federal Income Tax -$7,582
FICA (SS & Medicare) -$5,707
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $61,311
HUD 1BR Fair Market Rent -$12,600
Discretionary Cash Flow $48,711

EPI family budgets put living costs 25.4% lower in Lubbock, TX than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $74,600 in Lubbock. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,050 in Lubbock, $5,760 a year less. On a $100,000 salary a single filer pays the same total tax in both metros. Taxes and one-bedroom rent together leave you about $5,760 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $42,130 in Lubbock.

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) Lubbock (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,050-$480-31.4%
Food & Groceries$334$335+$1+0.3%
Transportation$1,062$1,008-$54-5.1%
Healthcare$467$506+$39+8.4%
Other Necessities$585$362-$223-38.1%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$480/mo (-31.4%)
Austin-Round Rock-San Marcos: $1,530/mo Lubbock: $1,050/mo
2-Bedroom Fair Market Rent -$576/mo (-31.7%)
Austin-Round Rock-San Marcos: $1,817/mo Lubbock: $1,241/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$7.05/hr (-25.4%)
Austin-Round Rock-San Marcos: $27.77/hr Lubbock: $20.72/hr
2 Adults + 1 Child (per earner) -$4.84/hr (-20.4%)
Austin-Round Rock-San Marcos: $23.78/hr Lubbock: $18.94/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 Lubbock Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$80,870-$36,980 (-31.4%)View Dossier
Software EngineerTechnologyTechnology$134,120$115,190-$18,930 (-14.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$81,480-$16,410 (-16.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$77,110-$25,280 (-24.7%)View Dossier
Accountant & AuditorFinanceFinance$83,120$74,390-$8,730 (-10.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$139,250-$37,740 (-21.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$119,280-$32,480 (-21.4%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$82,520-$46,950 (-36.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$47,000-$13,390 (-22.2%)View Dossier
Financial ManagerFinanceFinance$167,180$135,090-$32,090 (-19.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$118,550-$46,370 (-28.1%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$73,780-$32,820 (-30.8%)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 Lubbock, TX Relocation FAQs

About $74,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 93.7 in Lubbock, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

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

About $74,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 93.7 in Lubbock, TX, from EPI family budgets); taxes are compared separately below.

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

EPI's family budgets for a single adult put overall living costs 25.4% lower in Lubbock, TX than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.