2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock-San Marcos, TX to Toledo, OH

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 Toledo, OH.

Popular Corridors:
Equivalent Salary
$71,200
To maintain parity
Cost of Living Delta
-28.8%
Overall expenditure basket
Annual Tax Delta
-$4,481
State + local taxes
Annual 1BR Rent Delta
-$7,860
HUD Fair Market Rents
Net Annual Buffer
+$3,379/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

Toledo, OH

COL 89.4
Gross Parity Income $71,200
Federal Income Tax -$6,834
FICA (SS & Medicare) -$5,447
State Income Tax -$1,183
Local / City Tax -$1,780
Net Annual Take-Home $55,957
HUD 1BR Fair Market Rent -$10,500
Discretionary Cash Flow $45,457

EPI family budgets put living costs 28.8% lower in Toledo, OH than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $71,200 in Toledo. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $875 in Toledo, $7,860 a year less. On the same $100,000 salary a single filer pays $4,481 more a year in federal, state and local income tax and FICA in Toledo. Taxes and one-bedroom rent together leave you about $3,379 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $48,220 in Toledo.

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) Toledo (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$875-$655-42.8%
Food & Groceries$334$336+$2+0.6%
Transportation$1,062$991-$71-6.7%
Healthcare$467$447-$20-4.3%
Other Necessities$585$336-$249-42.6%
Total Taxes (Federal, State, Local, FICA)$1,735$2,108+$373+21.5%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$655/mo (-42.8%)
Austin-Round Rock-San Marcos: $1,530/mo Toledo: $875/mo
2-Bedroom Fair Market Rent -$672/mo (-37.0%)
Austin-Round Rock-San Marcos: $1,817/mo Toledo: $1,145/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$8.00/hr (-28.8%)
Austin-Round Rock-San Marcos: $27.77/hr Toledo: $19.77/hr
2 Adults + 1 Child (per earner) -$3.76/hr (-15.8%)
Austin-Round Rock-San Marcos: $23.78/hr Toledo: $20.02/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 Toledo Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$95,120-$22,730 (-19.3%)View Dossier
Software EngineerTechnologyTechnology$134,120$104,360-$29,760 (-22.2%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$81,050-$16,840 (-17.2%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$81,940-$20,450 (-20.0%)View Dossier
Accountant & AuditorFinanceFinance$83,120$77,400-$5,720 (-6.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$145,080-$31,910 (-18.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$129,720-$22,040 (-14.5%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$64,430-$65,040 (-50.2%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$74,710+$14,320 (+23.7%)View Dossier
Financial ManagerFinanceFinance$167,180$125,330-$41,850 (-25.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$124,940-$39,980 (-24.2%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$102,980$100,100-$2,880 (-2.8%)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 Toledo, OH Relocation FAQs

About $71,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 89.4 in Toledo, OH, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Toledo, OH to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock-San Marcos, TX to Toledo, OH Overview

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

About $71,200. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 89.4 in Toledo, OH, from EPI family budgets); taxes are compared separately below.

Is Toledo, OH cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 28.8% lower in Toledo, OH than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.