2026 Relocation & Cost Arbitrage Engine

Relocation: Bloomington, IN to Austin-Round Rock-San Marcos, 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 Bloomington, IN to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$124,900
To maintain parity
Cost of Living Delta
+24.9%
Overall expenditure basket
Annual Tax Delta
+$5,039
State + local taxes
Annual 1BR Rent Delta
+$5,208
HUD Fair Market Rents
Net Annual Buffer
-$169/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

Bloomington, IN

COL 100.5
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$2,921
Local / City Tax -$2,119
Net Annual Take-Home $74,141
HUD 1BR Fair Market Rent -$13,152
Discretionary Cash Flow $60,989
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $124,900
Federal Income Tax -$18,710
FICA (SS & Medicare) -$9,555
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $96,635
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $78,275

EPI family budgets put living costs 24.9% higher in Austin-Round Rock-San Marcos, TX than in Bloomington, IN, so $100,000 in Bloomington goes about as far as $124,900 in Austin. HUD's one-bedroom Fair Market Rent is $1,096 a month in Bloomington and $1,530 in Austin, $5,208 a year more. On the same $100,000 salary a single filer pays $5,039 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $169 a year worse off. The BLS median wage across all occupations is $47,660 in Bloomington and $56,950 in Austin.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Bloomington (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,096$1,530+$434+39.6%
Food & Groceries$355$334-$21-5.9%
Transportation$994$1,062+$68+6.8%
Healthcare$426$467+$41+9.6%
Other Necessities$408$585+$177+43.4%
Total Taxes (Federal, State, Local, FICA)$2,155$1,735-$420-19.5%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$434/mo (39.6%)
Bloomington: $1,096/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$565/mo (45.1%)
Bloomington: $1,252/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$5.53/hr (24.9%)
Bloomington: $22.24/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) +$3.10/hr (15.0%)
Bloomington: $20.68/hr Austin-Round Rock-San Marcos: $23.78/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Bloomington Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$101,310$117,850+$16,540 (+16.3%)View Dossier
Software EngineerTechnologyTechnology$99,990$134,120+$34,130 (+34.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$80,370$97,890+$17,520 (+21.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$83,800$102,390+$18,590 (+22.2%)View Dossier
Accountant & AuditorFinanceFinance$76,640$83,120+$6,480 (+8.5%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$165,680$176,990+$11,310 (+6.8%)View Dossier
Solutions ArchitectTechnologyTechnology$92,410$129,470+$37,060 (+40.1%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$139,280$151,760+$12,480 (+9.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$65,660$60,390-$5,270 (-8.0%)View Dossier
Financial ManagerFinanceFinance$134,540$167,180+$32,640 (+24.3%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$139,800$164,920+$25,120 (+18.0%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$95,570$106,600+$11,030 (+11.5%)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

Bloomington, IN to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $124,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (100.5 in Bloomington, IN, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Austin-Round Rock-San Marcos, TX to Bloomington, IN
Relocation: Bloomington, IN to Austin-Round Rock-San Marcos, TX Overview

Bloomington, IN to Austin-Round Rock-San Marcos, 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 Austin-Round Rock-San Marcos, TX to match $100,000 in Bloomington, IN?

About $124,900. That scales $100,000 by the ratio of the metros' cost-of-living indexes (100.5 in Bloomington, IN, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Is Austin-Round Rock-San Marcos, TX cheaper than Bloomington, IN?

EPI's family budgets for a single adult put overall living costs 24.9% higher in Austin-Round Rock-San Marcos, TX than in Bloomington, IN. The budgets cover housing, food, transportation, health care and other necessities.