2026 Relocation & Cost Arbitrage Engine

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

Popular Corridors:
Equivalent Salary
$130,800
To maintain parity
Cost of Living Delta
+30.8%
Overall expenditure basket
Annual Tax Delta
+$4,406
State + local taxes
Annual 1BR Rent Delta
+$4,248
HUD Fair Market Rents
Net Annual Buffer
+$158/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

Gary, IN

COL 96.0
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$2,921
Local / City Tax -$1,485
Net Annual Take-Home $74,775
HUD 1BR Fair Market Rent -$14,112
Discretionary Cash Flow $60,663
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $130,800
Federal Income Tax -$20,126
FICA (SS & Medicare) -$10,006
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $100,668
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $82,308

EPI family budgets put living costs 30.8% higher in Austin-Round Rock-San Marcos, TX than in Gary, IN, so $100,000 in Gary goes about as far as $130,800 in Austin. HUD's one-bedroom Fair Market Rent is $1,176 a month in Gary and $1,530 in Austin, $4,248 a year more. On the same $100,000 salary a single filer pays $4,406 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $158 a year better off. The BLS median wage across all occupations is $54,720 in Gary (BLS figure for the Chicago-Naperville-Elgin, IL-IN metro area) 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 Gary (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,176$1,530+$354+30.1%
Food & Groceries$347$334-$13-3.7%
Transportation$1,016$1,062+$46+4.5%
Healthcare$408$467+$59+14.5%
Other Necessities$375$585+$210+56.0%
Total Taxes (Federal, State, Local, FICA)$2,102$1,735-$367-17.5%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$354/mo (30.1%)
Gary: $1,176/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$388/mo (27.2%)
Gary: $1,429/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$6.54/hr (30.8%)
Gary: $21.23/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) +$3.50/hr (17.3%)
Gary: $20.28/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 Gary Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action

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

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

About $130,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.0 in Gary, IN, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

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

Gary, IN 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 Gary, IN?

About $130,800. That scales $100,000 by the ratio of the metros' cost-of-living indexes (96.0 in Gary, 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 Gary, IN?

EPI's family budgets for a single adult put overall living costs 30.8% higher in Austin-Round Rock-San Marcos, TX than in Gary, IN. The budgets cover housing, food, transportation, health care and other necessities.