SOC 15-1252

Software Engineer Salary in Killeen-Temple, TX (2026)

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 + TX
COL Index: 96.06 (-3.9% vs US)
Net Compensation Yield 72.8% Realized
$89,814 / net annual direct deposit
Gross Adjusted $123,320 $59.29/hr
Effective Tax Drag 21.17% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$26,107 $1,004.10/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 $59.29 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,399/yr)
0% Tax Shield: ~$1,628/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$16,673
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,646
Medicare Hospital Insurance
Statutory 1.45%
-$1,788
Texas Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$89,814 ($3,454.39 / check)
Category 2 of 6

Killeen-Temple, TX Software Engineer Wage Distribution

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

Your Salary: $123,320
MIDDLE 50% (IQR RANGE) 10th $75.3k 25th $93.9k Median: $123,320 50th (Median) $123k 75th $147k 90th $164k You: $123,320
10th (Entry) $75,270 $36.19/hr
25th (Junior) $93,920 $45.15/hr
50th (Median) $123,320 $59.29/hr
75th (Senior) $147,130 $70.74/hr
90th (Lead/Master) $164,130 $78.91/hr
Career Progression & Licensing Milestones for Software Engineer in Killeen-Temple, TX
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$80,260$38.59/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$116,083$55.81/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$155,986$74.99/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$206,773$99.41/hr · 8+ Years
Scaled to the Killeen-Temple, TX 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 Killeen-Temple, TX under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
12% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $927/month Requires minimum annual gross of $37,080
HUD Fair Market Rent (2-Bedroom) $1,138/month Requires minimum annual gross of $45,520
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.24/hr
Per adult, 2 working adults + 1 child: $18.27/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 Killeen-Temple, TX.

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$123,320-$26,107$89,814$3,454.39
+5h Overtime/Wk45 hrs$146,443-$32,974$104,682$4,026.22
+10h Overtime/Wk50 hrs$169,565-$39,960$119,432$4,593.52
+15h Overtime/Wk55 hrs$192,688-$46,437$134,689$5,180.35
+20h Overtime/Wk60 hrs$215,810-$52,131$150,730$5,797.31
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 Killeen-Temple, TX: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$123,320/yr
$59.29/hr · SOC 15-1252
Statutory Tax Drag
21.17% Effective
-$26,107 in Total Taxes
HUD 1BR Shelter Ratio
12% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,558/mo
Post-$927/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 Killeen-Temple, TX: Market Snapshot

Software Engineer roles in Killeen-Temple, TX report a median annual wage of $123,320, 9.3% below the national median of $135,980. The 10th to 90th percentile band runs from $75,270 to $164,130, and HUD’s $927 monthly one-bedroom fair market rent equals 9.0% of that median gross pay. The single-adult living wage benchmark for the area is $21.24 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+72.8%
San Francisco-Oakland-Fremont, CA$186,640+51.3%
Seattle-Tacoma-Bellevue, WA$167,280+35.6%
New York-Newark-Jersey City, NY-NJ$166,830+35.3%
Boston-Cambridge-Newton, MA-NH$166,090+34.7%
Boulder, CO$164,560+33.4%
San Diego-Chula Vista-Carlsbad, CA$163,270+32.4%
Bridgeport-Stamford-Danbury, CT$162,650+31.9%
Manchester-Nashua, NH$162,090+31.4%
Los Angeles-Long Beach-Anaheim, CA$160,920+30.5%

Top-paying occupations benchmarked in Killeen-Temple, TX

OccupationMedian annual wageMedian hourly
Chief Executives$220,940$106.22/hr
Architectural and Engineering Managers$158,560$76.23/hr
Computer and Information Systems Managers$154,180$74.12/hr
Financial Manager$140,310$67.46/hr
Physician Assistant$140,200$67.40/hr
Nurse Practitioner$138,670$66.67/hr
Human Resources Managers$135,580$65.18/hr
Sales Managers$123,890$59.56/hr
Purchasing Managers$123,590$59.42/hr
Marketing Managers$122,220$58.76/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 Killeen-Temple, TX (2026) Overview

Software Engineer median pay in Killeen-Temple, TX is $123,320 a year ($59.29/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Software Engineer in Killeen-Temple, TX 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 Killeen-Temple, TX?

The median annual wage is $123,320 ($59.29 per hour). The middle 80% of earners make between $75,270 and $164,130. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Killeen-Temple, TX after taxes?

On the median wage of $123,320, a single filer with no pre-tax deductions takes home about $95,555 a year ($7,963 a month) after $27,765 in federal, FICA, state and local taxes, an effective rate of 22.51%, using 2026 tax rules.