2026 Relocation & Cost Arbitrage Engine

Relocation: Helena, MT 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 Helena, MT to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$122,600
To maintain parity
Cost of Living Delta
+22.6%
Overall expenditure basket
Annual Tax Delta
+$4,289
State + local taxes
Annual 1BR Rent Delta
+$5,880
HUD Fair Market Rents
Net Annual Buffer
-$1,591/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

Helena, MT

COL 102.4
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,289
Local / City Tax $0
Net Annual Take-Home $74,891
HUD 1BR Fair Market Rent -$12,480
Discretionary Cash Flow $62,411
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $122,600
Federal Income Tax -$18,158
FICA (SS & Medicare) -$9,379
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $95,063
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $76,703

EPI family budgets put living costs 22.6% higher in Austin-Round Rock-San Marcos, TX than in Helena, MT, so $100,000 in Helena goes about as far as $122,600 in Austin. HUD's one-bedroom Fair Market Rent is $1,040 a month in Helena and $1,530 in Austin, $5,880 a year more. On the same $100,000 salary a single filer pays $4,289 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $1,591 a year worse off. The BLS median wage across all occupations is $55,040 in Helena 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 Helena (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,040$1,530+$490+47.1%
Food & Groceries$366$334-$32-8.7%
Transportation$1,104$1,062-$42-3.8%
Healthcare$468$467-$1-0.2%
Other Necessities$453$585+$132+29.1%
Total Taxes (Federal, State, Local, FICA)$2,092$1,735-$357-17.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$490/mo (47.1%)
Helena: $1,040/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$497/mo (37.7%)
Helena: $1,320/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$6.37/hr (29.8%)
Helena: $21.40/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) -$17.42/hr (-42.3%)
Helena: $41.20/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 Helena Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$101,510$117,850+$16,340 (+16.1%)View Dossier
Software EngineerTechnologyTechnology$99,370$134,120+$34,750 (+35.0%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$98,690$97,890-$800 (-0.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$102,970$102,390-$580 (-0.6%)View Dossier
Accountant & AuditorFinanceFinance$76,700$83,120+$6,420 (+8.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$130,230$176,990+$46,760 (+35.9%)View Dossier
Solutions ArchitectTechnologyTechnology$86,940$129,470+$42,530 (+48.9%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$142,520$151,760+$9,240 (+6.5%)View Dossier
ElectricianSkilled TradesSkilled Trades$78,760$60,390-$18,370 (-23.3%)View Dossier
Financial ManagerFinanceFinance$133,360$167,180+$33,820 (+25.4%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$154,770$164,920+$10,150 (+6.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$103,140$106,600+$3,460 (+3.4%)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

Helena, MT to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $122,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.4 in Helena, MT, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Austin-Round Rock-San Marcos, TX to Helena, MT
Relocation: Helena, MT to Austin-Round Rock-San Marcos, TX Overview

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

About $122,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (102.4 in Helena, MT, 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 Helena, MT?

EPI's family budgets for a single adult put overall living costs 22.6% higher in Austin-Round Rock-San Marcos, TX than in Helena, MT. The budgets cover housing, food, transportation, health care and other necessities.