SOC 15-1252

Software Engineer Salary in Crestview-Fort Walton Beach-Destin, FL

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + FL
COL Index: 113.08 (+13.1% vs US)
Net Compensation Yield 72.4% Realized
$94,601 / net annual direct deposit
Gross Adjusted $130,640 $62.81/hr
Effective Tax Drag 21.59% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$28,200 $1,084.63/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $62.81 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,838/yr)
0% Tax Shield: ~$1,881/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$18,206
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,100
Medicare Hospital Insurance
Statutory 1.45%
-$1,894
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$94,601 ($3,638.51 / check)
Category 2 of 6

Crestview-Fort Walton Beach-Destin, FL Software Engineer Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $130,640
MIDDLE 50% (IQR RANGE) 10th $79.7k 25th $101k Median: $130,640 50th (Median) $131k 75th $163k 90th $176k You: $130,640
10th (Entry) $79,680 $38.31/hr
25th (Junior) $100,510 $48.32/hr
50th (Median) $130,640 $62.81/hr
75th (Senior) $162,540 $78.14/hr
90th (Lead/Master) $175,840 $84.54/hr
Career Progression & Licensing Milestones for Software Engineer in Crestview-Fort Walton Beach-Destin, FL
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$85,025$40.88/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$122,973$59.12/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$165,245$79.44/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$219,046$105.31/hr · 8+ Years
Scaled to the Crestview-Fort Walton Beach-Destin, FL medianView National Software Engineer Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Crestview-Fort Walton Beach-Destin, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
22% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,706/month Requires minimum annual gross of $68,240
HUD Fair Market Rent (2-Bedroom) $1,908/month Requires minimum annual gross of $76,320
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $25.01/hr
Per adult, 2 working adults + 1 child: $22.22/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Crestview-Fort Walton Beach-Destin, FL.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$130,640-$28,200$94,601$3,638.51
+5h Overtime/Wk45 hrs$155,135-$35,600$110,227$4,239.49
+10h Overtime/Wk50 hrs$179,630-$43,000$125,852$4,840.46
+15h Overtime/Wk55 hrs$204,125-$49,221$142,657$5,486.81
+20h Overtime/Wk60 hrs$228,620-$55,322$159,581$6,137.71
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Software Engineer in Crestview-Fort Walton Beach-Destin, FL: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Florida tax codes.

Market Baseline
$130,640/yr
$62.81/hr · SOC 15-1252
Statutory Tax Drag
21.59% Effective
-$28,200 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,177/mo
Post-$1,706/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-1252
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Software Engineer in Crestview-Fort Walton Beach-Destin, FL: Market Snapshot

Software Engineer roles in Crestview-Fort Walton Beach-Destin, FL report a median annual wage of $130,640, 3.9% below the national median of $135,980. The 10th to 90th percentile band runs from $79,680 to $175,840, and HUD’s $1,706 monthly one-bedroom fair market rent equals 15.7% of that median gross pay. The single-adult living wage benchmark for the area is $25.01 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+63.1%
San Francisco-Oakland-Fremont, CA$186,640+42.9%
Seattle-Tacoma-Bellevue, WA$167,280+28.0%
New York-Newark-Jersey City, NY-NJ$166,830+27.7%
Boston-Cambridge-Newton, MA-NH$166,090+27.1%
Boulder, CO$164,560+26.0%
San Diego-Chula Vista-Carlsbad, CA$163,270+25.0%
Bridgeport-Stamford-Danbury, CT$162,650+24.5%
Manchester-Nashua, NH$162,090+24.1%
Los Angeles-Long Beach-Anaheim, CA$160,920+23.2%

Top-paying occupations benchmarked in Crestview-Fort Walton Beach-Destin, FL

OccupationMedian annual wageMedian hourly
Chief Executives$186,440$89.63/hr
Architectural and Engineering Managers$163,840$78.77/hr
Computer and Information Systems Managers$161,140$77.47/hr
Marketing Managers$155,080$74.56/hr
Financial Manager$145,810$70.10/hr
Purchasing Managers$136,970$65.85/hr
Physician Assistant$130,730$62.85/hr
Human Resources Managers$129,500$62.26/hr
Sales Managers$125,570$60.37/hr
Nurse Practitioner$124,680$59.94/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 377 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Software Engineer Salary in Crestview-Fort Walton Beach-Destin, FL Overview

Software Engineer median pay in Crestview-Fort Walton Beach-Destin, FL is $130,640 a year ($62.81/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Software Engineer in Crestview-Fort Walton Beach-Destin, FL compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Software Engineer in Crestview-Fort Walton Beach-Destin, FL?

The median annual wage is $130,640 ($62.81 per hour). The middle 80% of earners make between $79,680 and $175,840. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Crestview-Fort Walton Beach-Destin, FL after taxes?

On the median wage of $130,640, a single filer with no pre-tax deductions takes home about $100,558 a year ($8,380 a month) after $30,082 in federal, FICA, state and local taxes, an effective rate of 23.03%, using 2026 tax rules.