2026 Relocation & Cost Arbitrage Engine

Relocation: Toledo, OH 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 Toledo, OH to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$140,400
To maintain parity
Cost of Living Delta
+40.4%
Overall expenditure basket
Annual Tax Delta
+$4,481
State + local taxes
Annual 1BR Rent Delta
+$7,860
HUD Fair Market Rents
Net Annual Buffer
-$3,379/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

Toledo, OH

COL 89.4
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$1,981
Local / City Tax -$2,500
Net Annual Take-Home $74,699
HUD 1BR Fair Market Rent -$10,500
Discretionary Cash Flow $64,199
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $140,400
Federal Income Tax -$22,430
FICA (SS & Medicare) -$10,741
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $107,229
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $88,869

EPI family budgets put living costs 40.4% higher in Austin-Round Rock-San Marcos, TX than in Toledo, OH, so $100,000 in Toledo goes about as far as $140,400 in Austin. HUD's one-bedroom Fair Market Rent is $875 a month in Toledo and $1,530 in Austin, $7,860 a year more. On the same $100,000 salary a single filer pays $4,481 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $3,379 a year worse off. The BLS median wage across all occupations is $48,220 in Toledo 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 Toledo (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$875$1,530+$655+74.9%
Food & Groceries$336$334-$2-0.6%
Transportation$991$1,062+$71+7.2%
Healthcare$447$467+$20+4.5%
Other Necessities$336$585+$249+74.1%
Total Taxes (Federal, State, Local, FICA)$2,108$1,735-$373-17.7%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$655/mo (74.9%)
Toledo: $875/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$672/mo (58.7%)
Toledo: $1,145/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$8.00/hr (40.5%)
Toledo: $19.77/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) +$3.76/hr (18.8%)
Toledo: $20.02/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 Toledo Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$95,120$117,850+$22,730 (+23.9%)View Dossier
Software EngineerTechnologyTechnology$104,360$134,120+$29,760 (+28.5%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$81,050$97,890+$16,840 (+20.8%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$81,940$102,390+$20,450 (+25.0%)View Dossier
Accountant & AuditorFinanceFinance$77,400$83,120+$5,720 (+7.4%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$145,080$176,990+$31,910 (+22.0%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$129,720$151,760+$22,040 (+17.0%)View Dossier
Solutions ArchitectTechnologyTechnology$64,430$129,470+$65,040 (+100.9%)View Dossier
ElectricianSkilled TradesSkilled Trades$74,710$60,390-$14,320 (-19.2%)View Dossier
Financial ManagerFinanceFinance$125,330$167,180+$41,850 (+33.4%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$124,940$164,920+$39,980 (+32.0%)View Dossier
Construction ManagersFinance & ManagementFinance & Management$100,100$102,980+$2,880 (+2.9%)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

Toledo, OH to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $140,400. That scales $100,000 by the ratio of the metros' cost-of-living indexes (89.4 in Toledo, OH, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

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

Reverse Route: Austin-Round Rock-San Marcos, TX to Toledo, OH
Relocation: Toledo, OH to Austin-Round Rock-San Marcos, TX Overview

Toledo, OH 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 Toledo, OH?

About $140,400. That scales $100,000 by the ratio of the metros' cost-of-living indexes (89.4 in Toledo, OH, 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 Toledo, OH?

EPI's family budgets for a single adult put overall living costs 40.4% higher in Austin-Round Rock-San Marcos, TX than in Toledo, OH. The budgets cover housing, food, transportation, health care and other necessities.