2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Richmond, VA

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 Richmond, VA.

Popular Corridors:
Equivalent Salary
$104,600
To maintain parity
Cost of Living Delta
+4.6%
Overall expenditure basket
Annual Tax Delta
-$4,936
State + local taxes
Annual 1BR Rent Delta
-$156
HUD Fair Market Rents
Net Annual Buffer
-$4,780/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

Richmond, VA

COL 131.3
Gross Parity Income $104,600
Federal Income Tax -$14,182
FICA (SS & Medicare) -$8,002
State Income Tax -$5,200
Local / City Tax $0
Net Annual Take-Home $77,216
HUD 1BR Fair Market Rent -$18,204
Discretionary Cash Flow $59,012

EPI family budgets put living costs 4.6% higher in Richmond, VA than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $104,600 in Richmond. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,517 in Richmond, $156 a year less. On the same $100,000 salary a single filer pays $4,936 more a year in federal, state and local income tax and FICA in Richmond. Taxes and one-bedroom rent together leave you about $4,780 a year worse off. The BLS median wage across all occupations is $56,950 in Austin and $51,460 in Richmond.

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) Richmond (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,517-$13-0.8%
Food & Groceries$334$376+$42+12.6%
Transportation$1,062$1,089+$27+2.5%
Healthcare$467$389-$78-16.7%
Other Necessities$585$579-$6-1.0%
Total Taxes (Federal, State, Local, FICA)$1,735$2,146+$411+23.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$13/mo (-0.8%)
Austin-Round Rock-San Marcos: $1,530/mo Richmond: $1,517/mo
2-Bedroom Fair Market Rent -$166/mo (-9.1%)
Austin-Round Rock-San Marcos: $1,817/mo Richmond: $1,651/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.27/hr (4.6%)
Austin-Round Rock-San Marcos: $27.77/hr Richmond: $29.04/hr
2 Adults + 1 Child (per earner) -$0.31/hr (-1.3%)
Austin-Round Rock-San Marcos: $23.78/hr Richmond: $23.47/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 Richmond Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$108,670-$9,180 (-7.8%)View Dossier
Software EngineerTechnologyTechnology$134,120$132,120-$2,000 (-1.5%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$93,580-$4,310 (-4.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$102,170-$220 (-0.2%)View Dossier
Accountant & AuditorFinanceFinance$83,120$84,220+$1,100 (+1.3%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$180,640+$3,650 (+2.1%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$95,660-$10,940 (-10.3%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$111,070-$18,400 (-14.2%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$168,590+$16,830 (+11.1%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$61,350+$960 (+1.6%)View Dossier
Financial ManagerFinanceFinance$167,180$173,140+$5,960 (+3.6%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$174,130+$9,210 (+5.6%)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 Richmond, VA Relocation FAQs

About $104,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 131.3 in Richmond, VA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

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

About $104,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 131.3 in Richmond, VA, from EPI family budgets); taxes are compared separately below.

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

EPI's family budgets for a single adult put overall living costs 4.6% higher in Richmond, VA than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.