2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to St. Louis, MO-IL

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 St. Louis, MO-IL.

Popular Corridors:
Equivalent Salary
$81,500
To maintain parity
Cost of Living Delta
-18.5%
Overall expenditure basket
Annual Tax Delta
-$4,670
State + local taxes
Annual 1BR Rent Delta
-$5,112
HUD Fair Market Rents
Net Annual Buffer
+$442/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

St. Louis, MO-IL

COL 102.3
Gross Parity Income $81,500
Federal Income Tax -$9,100
FICA (SS & Medicare) -$6,235
State Income Tax -$2,829
Local / City Tax -$815
Net Annual Take-Home $62,521
HUD 1BR Fair Market Rent -$13,248
Discretionary Cash Flow $49,273

EPI family budgets put living costs 18.5% lower in St. Louis, MO-IL than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $81,500 in St. Louis. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $1,104 in St. Louis, $5,112 a year less. On the same $100,000 salary a single filer pays $4,670 more a year in federal, state and local income tax and FICA in St. Louis. Taxes and one-bedroom rent together leave you about $442 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $49,990 in St. Louis.

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) St. Louis (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$1,104-$426-27.8%
Food & Groceries$334$373+$39+11.7%
Transportation$1,062$1,018-$44-4.1%
Healthcare$467$427-$40-8.6%
Other Necessities$585$411-$174-29.7%
Total Taxes (Federal, State, Local, FICA)$1,735$2,124+$389+22.4%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$426/mo (-27.8%)
Austin-Round Rock-San Marcos: $1,530/mo St. Louis: $1,104/mo
2-Bedroom Fair Market Rent -$468/mo (-25.8%)
Austin-Round Rock-San Marcos: $1,817/mo St. Louis: $1,349/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$5.14/hr (-18.5%)
Austin-Round Rock-San Marcos: $27.77/hr St. Louis: $22.63/hr
2 Adults + 1 Child (per earner) -$2.71/hr (-11.4%)
Austin-Round Rock-San Marcos: $23.78/hr St. Louis: $21.07/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 St. Louis Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$93,140-$24,710 (-21.0%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$83,180-$14,710 (-15.0%)View Dossier
Software EngineerTechnologyTechnology$134,120$129,030-$5,090 (-3.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$100,510-$1,880 (-1.8%)View Dossier
Accountant & AuditorFinanceFinance$83,120$78,880-$4,240 (-5.1%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$108,450-$21,020 (-16.2%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$167,130-$9,860 (-5.6%)View Dossier
Financial ManagerFinanceFinance$167,180$158,780-$8,400 (-5.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$123,870-$27,890 (-18.4%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$77,170+$16,780 (+27.8%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$101,100-$5,500 (-5.2%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$137,900-$27,020 (-16.4%)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 St. Louis, MO-IL Relocation FAQs

About $81,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 102.3 in St. Louis, MO-IL, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to St. Louis, MO-IL: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: St. Louis, MO-IL to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to St. Louis, MO-IL Overview

Austin-Round Rock-San Marcos, TX to St. Louis, MO-IL: 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 St. Louis, MO-IL to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $81,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 102.3 in St. Louis, MO-IL, from EPI family budgets); taxes are compared separately below.

Is St. Louis, MO-IL cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 18.5% lower in St. Louis, MO-IL than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.