2026 Relocation & Cost Arbitrage Engine

Relocation: Austin-Round Rock, TX to Waterloo-Cedar Falls, IA

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 Waterloo-Cedar Falls, IA.

Popular Corridors:
Equivalent Salary
$71,800
To maintain parity
Cost of Living Delta
-28.2%
Overall expenditure basket
Annual Tax Delta
-$3,148
State + local taxes
Annual 1BR Rent Delta
-$8,304
HUD Fair Market Rents
Net Annual Buffer
+$5,156/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

Waterloo-Cedar Falls, IA

COL 90.1
Gross Parity Income $71,800
Federal Income Tax -$6,966
FICA (SS & Medicare) -$5,493
State Income Tax -$2,077
Local / City Tax $0
Net Annual Take-Home $57,265
HUD 1BR Fair Market Rent -$10,056
Discretionary Cash Flow $47,209

EPI family budgets put living costs 28.2% lower in Waterloo-Cedar Falls, IA than in Austin-Round Rock-San Marcos, TX, so $100,000 in Austin goes about as far as $71,800 in Waterloo. HUD's one-bedroom Fair Market Rent is $1,530 a month in Austin and $838 in Waterloo, $8,304 a year less. On the same $100,000 salary a single filer pays $3,148 more a year in federal, state and local income tax and FICA in Waterloo. Taxes and one-bedroom rent together leave you about $5,156 a year better off. The BLS median wage across all occupations is $56,950 in Austin and $47,430 in Waterloo.

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) Waterloo-Cedar Falls (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,530$838-$692-45.2%
Food & Groceries$334$347+$13+3.9%
Transportation$1,062$1,055-$7-0.7%
Healthcare$467$397-$70-15.0%
Other Necessities$585$320-$265-45.3%
Total Taxes (Federal, State, Local, FICA)$1,735$1,997+$262+15.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$692/mo (-45.2%)
Austin-Round Rock-San Marcos: $1,530/mo Waterloo-Cedar Falls: $838/mo
2-Bedroom Fair Market Rent -$721/mo (-39.7%)
Austin-Round Rock-San Marcos: $1,817/mo Waterloo-Cedar Falls: $1,096/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$7.83/hr (-28.2%)
Austin-Round Rock-San Marcos: $27.77/hr Waterloo-Cedar Falls: $19.94/hr
2 Adults + 1 Child (per earner) -$5.05/hr (-21.2%)
Austin-Round Rock-San Marcos: $23.78/hr Waterloo-Cedar Falls: $18.73/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 Waterloo-Cedar Falls Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$117,850$82,400-$35,450 (-30.1%)View Dossier
Software EngineerTechnologyTechnology$134,120$113,970-$20,150 (-15.0%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$97,890$76,920-$20,970 (-21.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,390$81,600-$20,790 (-20.3%)View Dossier
Accountant & AuditorFinanceFinance$83,120$73,530-$9,590 (-11.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$176,990$132,210-$44,780 (-25.3%)View Dossier
Solutions ArchitectTechnologyTechnology$129,470$107,660-$21,810 (-16.8%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$151,760$125,050-$26,710 (-17.6%)View Dossier
ElectricianSkilled TradesSkilled Trades$60,390$63,420+$3,030 (+5.0%)View Dossier
Financial ManagerFinanceFinance$167,180$125,690-$41,490 (-24.8%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$164,920$114,940-$49,980 (-30.3%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$106,600$83,850-$22,750 (-21.3%)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 Waterloo-Cedar Falls, IA Relocation FAQs

About $71,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 90.1 in Waterloo-Cedar Falls, IA, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Austin-Round Rock-San Marcos, TX to Waterloo-Cedar Falls, IA: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Waterloo-Cedar Falls, IA to Austin-Round Rock-San Marcos, TX
Relocation: Austin-Round Rock, TX to Waterloo-Cedar Falls, IA Overview

Austin-Round Rock-San Marcos, TX to Waterloo-Cedar Falls, IA: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Austin-Round Rock, TX to Waterloo-Cedar Falls, IA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Waterloo-Cedar Falls, IA to match $100,000 in Austin-Round Rock-San Marcos, TX?

About $71,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (125.6 in Austin-Round Rock-San Marcos, TX, 90.1 in Waterloo-Cedar Falls, IA, from EPI family budgets); taxes are compared separately below.

Is Waterloo-Cedar Falls, IA cheaper than Austin-Round Rock-San Marcos, TX?

EPI's family budgets for a single adult put overall living costs 28.2% lower in Waterloo-Cedar Falls, IA than in Austin-Round Rock-San Marcos, TX. The budgets cover housing, food, transportation, health care and other necessities.