2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to McCracken County, KY

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 McCracken County, KY.

Popular Corridors:
Equivalent Salary
$73,100
To maintain parity
Cost of Living Delta
-26.9%
Overall expenditure basket
Annual Tax Delta
-$3,382
State + local taxes
Annual 1BR Rent Delta
-$7,272
HUD Fair Market Rents
Net Annual Buffer
+$3,890/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

McCracken County, KY

COL 91.8
Gross Parity Income $73,100
Federal Income Tax -$7,252
FICA (SS & Medicare) -$5,592
State Income Tax -$2,441
Local / City Tax $0
Net Annual Take-Home $57,815
HUD 1BR Fair Market Rent -$11,088
Discretionary Cash Flow $46,727

EPI family budgets put living costs 26.9% lower in McCracken County, KY than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $73,100 in McCracken County. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $924 in McCracken County, $7,272 a year less. On the same $100,000 salary a single filer pays $3,382 more a year in federal, state and local income tax and FICA in McCracken County. Taxes and one-bedroom rent together leave you about $3,890 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $45,860 in McCracken County (BLS figure for the Paducah, KY-IL metro area).

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) McCracken County (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$924-$606-39.6%
Food & Groceries$334$321-$13-3.9%
Transportation$1,062$1,025-$37-3.5%
Healthcare$467$467$00.0%
Other Necessities$585$315-$270-46.2%
Total Taxes (Federal, State, Local, FICA)$1,735$2,017+$282+16.3%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$606/mo (-39.6%)
Austin-Round Rock-San Marcos: $1,530/mo McCracken County: $924/mo
2-Bedroom Fair Market Rent -$686/mo (-37.8%)
Austin-Round Rock-San Marcos: $1,817/mo McCracken County: $1,131/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$7.46/hr (-26.9%)
Austin-Round Rock-San Marcos: $27.77/hr McCracken County: $20.31/hr
2 Adults + 1 Child (per earner) -$5.43/hr (-22.8%)
Austin-Round Rock-San Marcos: $23.78/hr McCracken County: $18.35/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 McCracken County Median Nominal Wage Delta Action

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 McCracken County, KY Relocation FAQs

About $73,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 91.8 in McCracken County, KY, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: McCracken County, KY to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to McCracken County, KY Overview

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

About $73,100. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 91.8 in McCracken County, KY, from EPI family budgets); taxes are compared separately below.

Is McCracken County, KY cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 26.9% lower in McCracken County, KY than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.