2026 Relocation & Cost Arbitrage Engine

Relocation: Chico, CA 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 Chico, CA to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$106,000
To maintain parity
Cost of Living Delta
+6.0%
Overall expenditure basket
Annual Tax Delta
+$6,211
State + local taxes
Annual 1BR Rent Delta
+$4,080
HUD Fair Market Rents
Net Annual Buffer
+$2,131/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

Chico, CA

COL 118.4
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,911
Local / City Tax $0
Net Annual Take-Home $72,969
HUD 1BR Fair Market Rent -$14,280
Discretionary Cash Flow $58,689
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $106,000
Federal Income Tax -$14,490
FICA (SS & Medicare) -$8,109
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $83,401
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $65,041

EPI family budgets put living costs 6.0% higher in Austin-Round Rock-San Marcos, TX than in Chico, CA, so $100,000 in Chico goes about as far as $106,000 in Austin. HUD's one-bedroom Fair Market Rent is $1,190 a month in Chico and $1,530 in Austin, $4,080 a year more. On the same $100,000 salary a single filer pays $6,211 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $2,131 a year better off. The BLS median wage across all occupations is $48,050 in Chico 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 Chico (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,190$1,530+$340+28.6%
Food & Groceries$386$334-$52-13.5%
Transportation$1,070$1,062-$8-0.7%
Healthcare$707$467-$240-33.9%
Other Necessities$452$585+$133+29.4%
Total Taxes (Federal, State, Local, FICA)$2,253$1,735-$518-23.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$340/mo (28.6%)
Chico: $1,190/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$308/mo (20.4%)
Chico: $1,509/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$1.58/hr (6.0%)
Chico: $26.19/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) -$0.77/hr (-3.1%)
Chico: $24.55/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 Chico Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$98,390$117,850+$19,460 (+19.8%)View Dossier
Software EngineerTechnologyTechnology$131,360$134,120+$2,760 (+2.1%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$127,360$97,890-$29,470 (-23.1%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$103,320$102,390-$930 (-0.9%)View Dossier
Accountant & AuditorFinanceFinance$77,680$83,120+$5,440 (+7.0%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$137,890$176,990+$39,100 (+28.4%)View Dossier
Solutions ArchitectTechnologyTechnology$82,730$129,470+$46,740 (+56.5%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$97,430$151,760+$54,330 (+55.8%)View Dossier
ElectricianSkilled TradesSkilled Trades$65,400$60,390-$5,010 (-7.7%)View Dossier
Financial ManagerFinanceFinance$130,600$167,180+$36,580 (+28.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$139,830$164,920+$25,090 (+17.9%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$78,380$106,600+$28,220 (+36.0%)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

Chico, CA to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $106,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (118.4 in Chico, CA, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Austin-Round Rock-San Marcos, TX to Chico, CA
Relocation: Chico, CA to Austin-Round Rock-San Marcos, TX Overview

Chico, CA to Austin-Round Rock-San Marcos, TX: 2026 federal, state and local income tax, HUD Fair Market Rents and EPI living costs compared on the same salary.

Quick answers
How much salary do I need in Austin-Round Rock-San Marcos, TX to match $100,000 in Chico, CA?

About $106,000. That scales $100,000 by the ratio of the metros' cost-of-living indexes (118.4 in Chico, CA, 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 Chico, CA?

EPI's family budgets for a single adult put overall living costs 6.0% higher in Austin-Round Rock-San Marcos, TX than in Chico, CA. The budgets cover housing, food, transportation, health care and other necessities.