2026 Relocation & Cost Arbitrage Engine

Relocation: Sherman-Denison, TX 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 Sherman-Denison, TX to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$116,500
To maintain parity
Cost of Living Delta
+16.5%
Overall expenditure basket
Annual Tax Delta
$0
State + local taxes
Annual 1BR Rent Delta
+$4,848
HUD Fair Market Rents
Net Annual Buffer
-$4,848/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

Sherman-Denison, TX

COL 107.8
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 -$13,512
Discretionary Cash Flow $65,668
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $116,500
Federal Income Tax -$16,800
FICA (SS & Medicare) -$8,912
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $90,788
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $72,428

EPI family budgets put living costs 16.5% higher in Austin-Round Rock-San Marcos, TX than in Sherman-Denison, TX, so $100,000 in Sherman goes about as far as $116,500 in Austin. HUD's one-bedroom Fair Market Rent is $1,126 a month in Sherman and $1,530 in Austin, $4,848 a year more. On a $100,000 salary a single filer pays the same total tax in both metros. Taxes and one-bedroom rent together leave you about $4,848 a year worse off. The BLS median wage across all occupations is $44,610 in Sherman 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 Sherman-Denison (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$1,126$1,530+$404+35.9%
Food & Groceries$324$334+$10+3.1%
Transportation$1,103$1,062-$41-3.7%
Healthcare$550$467-$83-15.1%
Other Necessities$432$585+$153+35.4%
Total Taxes (Federal, State, Local, FICA)$1,735$1,735$00.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$404/mo (35.9%)
Sherman-Denison: $1,126/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$422/mo (30.3%)
Sherman-Denison: $1,395/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$3.92/hr (16.4%)
Sherman-Denison: $23.85/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) +$3.20/hr (15.5%)
Sherman-Denison: $20.58/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 Sherman-Denison Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$89,940$117,850+$27,910 (+31.0%)View Dossier
Software EngineerTechnologyTechnology$128,630$134,120+$5,490 (+4.3%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$83,700$97,890+$14,190 (+17.0%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$85,260$102,390+$17,130 (+20.1%)View Dossier
Accountant & AuditorFinanceFinance$75,650$83,120+$7,470 (+9.9%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$140,900$176,990+$36,090 (+25.6%)View Dossier
Solutions ArchitectTechnologyTechnology$84,630$129,470+$44,840 (+53.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$124,110$151,760+$27,650 (+22.3%)View Dossier
ElectricianSkilled TradesSkilled Trades$58,080$60,390+$2,310 (+4.0%)View Dossier
Financial ManagerFinanceFinance$125,850$167,180+$41,330 (+32.8%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$139,040$164,920+$25,880 (+18.6%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$95,450$106,600+$11,150 (+11.7%)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

Sherman-Denison, TX to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $116,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.8 in Sherman-Denison, TX, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Austin-Round Rock-San Marcos, TX to Sherman-Denison, TX
Relocation: Sherman-Denison, TX to Austin-Round Rock-San Marcos, TX Overview

Sherman-Denison, TX 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 Sherman-Denison, TX?

About $116,500. That scales $100,000 by the ratio of the metros' cost-of-living indexes (107.8 in Sherman-Denison, TX, 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 Sherman-Denison, TX?

EPI's family budgets for a single adult put overall living costs 16.5% higher in Austin-Round Rock-San Marcos, TX than in Sherman-Denison, TX. The budgets cover housing, food, transportation, health care and other necessities.