2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to San Germán, PR

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and BLS wages for a move from Austin-Round Rock-San Marcos, TX to San Germán, PR.

Popular Corridors:
Equivalent Salary
Not published
No EPI budget for this move
Cost of Living Delta
Not published
No EPI budget for this move
Annual Tax Delta
-$5,212
State + local taxes
Annual 1BR Rent Delta
-$12,900
HUD Fair Market Rents
Net Annual Buffer
+$7,688/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

San Germán, PR

COL Not published
Gross Income (same salary) $100,000
Federal Income Tax $0
FICA (SS & Medicare) -$7,650
Puerto Rico Income Tax -$18,382
Local / City Tax $0
Net Annual Take-Home $73,968
HUD 1BR Fair Market Rent -$5,460
Discretionary Cash Flow $68,508

EPI publishes no family budget for San Germán, PR, so there is no equivalent salary or living-cost comparison for this move; the figures below compare the same salary in both metros. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $455 in San Germán, $12,900 a year less. On the same $100,000 salary a single filer pays $5,212 more a year in federal, state and local income tax and FICA in San Germán. Taxes and one-bedroom rent together leave you about $7,688 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $25,270 in San Germán (BLS figure for the Mayaguez, PR 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) San Germán (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$455-$1,075-70.3%
Total Taxes (Federal, State, Local, FICA)$1,735$2,169+$434+25.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,075/mo (-70.3%)
Austin-Round Rock-San Marcos: $1,530/mo San Germán: $455/mo
2-Bedroom Fair Market Rent -$1,236/mo (-68.0%)
Austin-Round Rock-San Marcos: $1,817/mo San Germán: $581/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) Not published
Austin-Round Rock-San Marcos: $27.77/hr San Germán: not published
2 Adults + 1 Child (per earner) Not published
Austin-Round Rock-San Marcos: $23.78/hr San Germán: not published

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 San Germán 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 San Germán, PR Relocation FAQs

A single filer earning $100,000 pays $20,820 in Austin-Round Rock-San Marcos, TX (state $0, local $0) and $26,032 in San Germán, PR (Puerto Rico $18,382, local $0): $5,212 more a year after the move. Puerto Rico residents pay Puerto Rico income tax instead of federal income tax on Puerto Rico wages (IRC 933), so federal income tax is $13,170 in Austin-Round Rock-San Marcos, TX and $0 in San Germán, PR; FICA does not change.

Triangular Relocation & Tax Silo

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

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

Austin-Round Rock-San Marcos, TX to San Germán, PR: 2026 federal, state and local income tax, HUD Fair Market Rents and BLS wages compared on the same salary.

Quick answers
How do taxes compare between Austin-Round Rock-San Marcos, TX and San Germán, PR?

A single filer earning $100,000 pays $20,820 in Austin-Round Rock-San Marcos, TX (state $0, local $0) and $26,032 in San Germán, PR (Puerto Rico $18,382, local $0): $5,212 more a year after the move. Puerto Rico residents pay Puerto Rico income tax instead of federal income tax on Puerto Rico wages (IRC 933), so federal income tax is $13,170 in Austin-Round Rock-San Marcos, TX and $0 in San Germán, PR; FICA does not change.

What is the rent difference between Austin-Round Rock-San Marcos, TX and San Germán, PR?

HUD Fair Market Rent for a one-bedroom is $1,530 a month in Austin-Round Rock-San Marcos, TX and $455 in San Germán, PR; for a two-bedroom, $1,817 and $581. Over a year the one-bedroom difference is $12,900 (70.3%).