2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Sherman-Denison, 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 Sherman-Denison, TX.

Popular Corridors:
Equivalent Salary
$85,900
To maintain parity
Cost of Living Delta
-14.1%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
-$4,848
HUD Fair Market Rents
Net Annual Buffer
+$4,848/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

Sherman-Denison, TX

COL 107.8
Gross Parity Income $85,900
Federal Income Tax -$10,068
FICA (SS & Medicare) -$6,571
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $69,261
HUD 1BR Fair Market Rent -$13,512
Discretionary Cash Flow $55,749

EPI family budgets put living costs 14.1% lower in Sherman-Denison, TX than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $85,900 in Sherman. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,126 in Sherman, $4,848 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 $4,848 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $44,610 in Sherman.

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) Sherman-Denison (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,126-$404-26.4%
Food & Groceries$334$324-$10-3.0%
Transportation$1,062$1,103+$41+3.9%
Healthcare$467$550+$83+17.8%
Other Necessities$585$432-$153-26.2%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$404/mo (-26.4%)
Austin-Round Rock-San Marcos: $1,530/mo Sherman-Denison: $1,126/mo
2-Bedroom Fair Market Rent -$422/mo (-23.2%)
Austin-Round Rock-San Marcos: $1,817/mo Sherman-Denison: $1,395/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$3.92/hr (-14.1%)
Austin-Round Rock-San Marcos: $27.77/hr Sherman-Denison: $23.85/hr
2 Adults + 1 Child (per earner) -$3.20/hr (-13.5%)
Austin-Round Rock-San Marcos: $23.78/hr Sherman-Denison: $20.58/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 Sherman-Denison Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$89,940-$27,910 (-23.7%)View Dossier
Software EngineerTechnologyTechnology$134,120$128,630-$5,490 (-4.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$83,700-$14,190 (-14.5%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$85,260-$17,130 (-16.7%)View Dossier
Accountant & AuditorFinanceFinance$83,120$75,650-$7,470 (-9.0%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$140,900-$36,090 (-20.4%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$84,630-$44,840 (-34.6%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$124,110-$27,650 (-18.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$58,080-$2,310 (-3.8%)View Dossier
Financial ManagerFinanceFinance$167,180$125,850-$41,330 (-24.7%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$139,040-$25,880 (-15.7%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$95,450-$11,150 (-10.5%)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 Sherman-Denison, TX Relocation FAQs

About $85,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 107.8 in Sherman-Denison, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

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

About $85,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 107.8 in Sherman-Denison, TX, from EPI family budgets); taxes are compared separately below.

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

EPI's family budgets for a single adult put overall living costs 14.1% lower in Sherman-Denison, TX than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.