2026 Relocation & Cost Arbitrage Engine

Relocation: Waterloo-Cedar Falls, IA to Austin-Round Rock, 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 Waterloo-Cedar Falls, IA to Austin-Round Rock-San Marcos, TX.

Popular Corridors:
Equivalent Salary
$139,300
To maintain parity
Cost of Living Delta
+39.3%
Overall expenditure basket
Annual Tax Delta
+$3,148
State + local taxes
Annual 1BR Rent Delta
+$8,304
HUD Fair Market Rents
Net Annual Buffer
-$5,156/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

Waterloo-Cedar Falls, IA

COL 90.1
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$3,148
Local / City Tax $0
Net Annual Take-Home $76,032
HUD 1BR Fair Market Rent -$10,056
Discretionary Cash Flow $65,976
Target Market
Destination Location

Austin-Round Rock-San Marcos, TX

COL 125.6
Gross Parity Income $139,300
Federal Income Tax -$22,166
FICA (SS & Medicare) -$10,656
State Income Tax $0 (No State Tax)
Local / City Tax $0
Net Annual Take-Home $106,478
HUD 1BR Fair Market Rent -$18,360
Discretionary Cash Flow $88,118

EPI family budgets put living costs 39.3% higher in Austin-Round Rock-San Marcos, TX than in Waterloo-Cedar Falls, IA, so $100,000 in Waterloo goes about as far as $139,300 in Austin. HUD's one-bedroom Fair Market Rent is $838 a month in Waterloo and $1,530 in Austin, $8,304 a year more. On the same $100,000 salary a single filer pays $3,148 less a year in federal, state and local income tax and FICA in Austin. Taxes and one-bedroom rent together leave you about $5,156 a year worse off. The BLS median wage across all occupations is $47,430 in Waterloo 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 Waterloo-Cedar Falls (Monthly) Austin-Round Rock-San Marcos (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$838$1,530+$692+82.6%
Food & Groceries$347$334-$13-3.7%
Transportation$1,055$1,062+$7+0.7%
Healthcare$397$467+$70+17.6%
Other Necessities$320$585+$265+82.8%
Total Taxes (Federal, State, Local, FICA)$1,997$1,735-$262-13.1%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent +$692/mo (82.6%)
Waterloo-Cedar Falls: $838/mo Austin-Round Rock-San Marcos: $1,530/mo
2-Bedroom Fair Market Rent +$721/mo (65.8%)
Waterloo-Cedar Falls: $1,096/mo Austin-Round Rock-San Marcos: $1,817/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) +$7.83/hr (39.3%)
Waterloo-Cedar Falls: $19.94/hr Austin-Round Rock-San Marcos: $27.77/hr
2 Adults + 1 Child (per earner) +$5.05/hr (27.0%)
Waterloo-Cedar Falls: $18.73/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 Waterloo-Cedar Falls Median Austin-Round Rock-San Marcos Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$82,400$117,850+$35,450 (+43.0%)View Dossier
Software EngineerTechnologyTechnology$113,970$134,120+$20,150 (+17.7%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$76,920$97,890+$20,970 (+27.3%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$81,600$102,390+$20,790 (+25.5%)View Dossier
Accountant & AuditorFinanceFinance$73,530$83,120+$9,590 (+13.0%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$132,210$176,990+$44,780 (+33.9%)View Dossier
Solutions ArchitectTechnologyTechnology$107,660$129,470+$21,810 (+20.3%)View Dossier
Sales ManagersFinance & ManagementFinance & Management$125,050$151,760+$26,710 (+21.4%)View Dossier
ElectricianSkilled TradesSkilled Trades$63,420$60,390-$3,030 (-4.8%)View Dossier
Financial ManagerFinanceFinance$125,690$167,180+$41,490 (+33.0%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$114,940$164,920+$49,980 (+43.5%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$83,850$106,600+$22,750 (+27.1%)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

Waterloo-Cedar Falls, IA to Austin-Round Rock-San Marcos, TX Relocation FAQs

About $139,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (90.1 in Waterloo-Cedar Falls, IA, 125.6 in Austin-Round Rock-San Marcos, TX, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Waterloo-Cedar Falls, IA to Austin-Round Rock-San Marcos, TX: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Austin-Round Rock-San Marcos, TX to Waterloo-Cedar Falls, IA
Relocation: Waterloo-Cedar Falls, IA to Austin-Round Rock, TX Overview

Waterloo-Cedar Falls, IA to Austin-Round Rock-San Marcos, TX: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on. Official 2026 economic data for Relocation: Waterloo-Cedar Falls, IA to Austin-Round Rock, TX compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Austin-Round Rock-San Marcos, TX to match $100,000 in Waterloo-Cedar Falls, IA?

About $139,300. That scales $100,000 by the ratio of the metros' cost-of-living indexes (90.1 in Waterloo-Cedar Falls, IA, 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 Waterloo-Cedar Falls, IA?

EPI's family budgets for a single adult put overall living costs 39.3% higher in Austin-Round Rock-San Marcos, TX than in Waterloo-Cedar Falls, IA. The budgets cover housing, food, transportation, health care and other necessities.