2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock, TX to Naples-Marco Island, FL

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 Naples-Marco Island, FL.

Popular Corridors:
Equivalent Salary
$95,700
To maintain parity
Cost of Living Delta
-4.3%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
+$4,080
HUD Fair Market Rents
Net Annual Buffer
-$4,080/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

Naples-Marco Island, FL

COL 120.2
Gross Parity Income $95,700
Federal Income Tax -$12,224
FICA (SS & Medicare) -$7,321
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $76,155
HUD 1BR Fair Market Rent -$22,440
Discretionary Cash Flow $53,715

EPI family budgets put living costs 4.3% lower in Naples-Marco Island, FL than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $95,700 in Naples. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,870 in Naples, $4,080 a year more. 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 $4,080 a year worse off. The BLS median wage across all occupations is $56,950 in Austin and $47,800 in Naples.

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) Naples-Marco Island (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,870+$340+22.2%
Food & Groceries$334$410+$76+22.8%
Transportation$1,062$1,007-$55-5.2%
Healthcare$467$516+$49+10.5%
Other Necessities$585$550-$35-6.0%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$340/mo (22.2%)
Austin-Round Rock-San Marcos: $1,530/mo Naples-Marco Island: $1,870/mo
2-Bedroom Fair Market Rent +$219/mo (12.1%)
Austin-Round Rock-San Marcos: $1,817/mo Naples-Marco Island: $2,036/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$1.20/hr (-4.3%)
Austin-Round Rock-San Marcos: $27.77/hr Naples-Marco Island: $26.57/hr
2 Adults + 1 Child (per earner) +$0.53/hr (2.2%)
Austin-Round Rock-San Marcos: $23.78/hr Naples-Marco Island: $24.31/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 Naples-Marco Island Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$102,310-$15,540 (-13.2%)View Dossier
Software EngineerTechnologyTechnology$134,120$130,730-$3,390 (-2.5%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$93,330-$4,560 (-4.7%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$99,250-$3,140 (-3.1%)View Dossier
Accountant & AuditorFinanceFinance$83,120$84,570+$1,450 (+1.7%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$161,170-$15,820 (-8.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$125,730-$26,030 (-17.2%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$100,920-$28,550 (-22.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$60,020-$370 (-0.6%)View Dossier
Financial ManagerFinanceFinance$167,180$153,520-$13,660 (-8.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$138,980-$25,940 (-15.7%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$79,210-$27,390 (-25.7%)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 Naples-Marco Island, FL Relocation FAQs

About $95,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 120.2 in Naples-Marco Island, FL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Naples-Marco Island, FL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Naples-Marco Island, FL to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock, TX to Naples-Marco Island, FL Overview

Austin-Round Rock-San Marcos, TX to Naples-Marco Island, FL: 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 Naples-Marco Island, FL 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 Naples-Marco Island, FL to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $95,700. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 120.2 in Naples-Marco Island, FL, from EPI family budgets); taxes are compared separately below.

Is Naples-Marco Island, FL cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 4.3% lower in Naples-Marco Island, FL than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.