SOC 15-1252

Software Engineer Salary in Sacramento-Roseville-Folsom, CA (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 + CA
COL Index: 144.55 (+44.6% vs US)
Net Compensation Yield 65.0% Realized
$90,709 / net annual direct deposit
Gross Adjusted $139,640 $67.13/hr
Effective Tax Drag 29.04% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$40,553 $1,559.72/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 $67.13 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$8,378/yr)
0% Tax Shield: ~$2,011/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$20,237
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,658
Medicare Hospital Insurance
Statutory 1.45%
-$2,025
California Individual Income Tax
State Marginal Bracket
-$7,818
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,815
Net Take-Home Annual Realized
$90,709 ($3,488.80 / check)
Category 2 of 6

Sacramento-Roseville-Folsom, CA Software Engineer Wage Distribution

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

Your Salary: $139,640
MIDDLE 50% (IQR RANGE) 10th $100k 25th $127k Median: $139,640 50th (Median) $140k 75th $170k 90th $209k You: $139,640
10th (Entry) $100,040 $48.10/hr
25th (Junior) $126,650 $60.89/hr
50th (Median) $139,640 $67.13/hr
75th (Senior) $170,240 $81.85/hr
90th (Lead/Master) $209,140 $100.55/hr
Career Progression & Licensing Milestones for Software Engineer in Sacramento-Roseville-Folsom, CA
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$90,882$43.69/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$131,445$63.19/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$176,630$84.92/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$234,137$112.57/hr · 8+ Years
Scaled to the Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
24% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,793/month Requires minimum annual gross of $71,720
HUD Fair Market Rent (2-Bedroom) $2,201/month Requires minimum annual gross of $88,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $31.97/hr
Per adult, 2 working adults + 1 child: $28.95/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 Sacramento-Roseville-Folsom, CA.

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$139,640-$40,553$90,709$3,488.80
+5h Overtime/Wk45 hrs$165,823-$51,092$104,781$4,030.05
+10h Overtime/Wk50 hrs$192,005-$61,165$119,319$4,589.20
+15h Overtime/Wk55 hrs$218,188-$70,245$134,852$5,186.60
+20h Overtime/Wk60 hrs$244,370-$80,343$149,365$5,744.81
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 Sacramento-Roseville-Folsom, CA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$139,640/yr
$67.13/hr · SOC 15-1252
Statutory Tax Drag
29.04% Effective
-$40,553 in Total Taxes
HUD 1BR Shelter Ratio
24% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,766/mo
Post-$1,793/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 Sacramento-Roseville-Folsom, CA: Market Snapshot

Software Engineer roles in Sacramento-Roseville-Folsom, CA report a median annual wage of $139,640, 2.7% above the national median of $135,980. The 10th to 90th percentile band runs from $100,040 to $209,140, and HUD’s $1,793 monthly one-bedroom fair market rent equals 15.4% of that median gross pay. The single-adult living wage benchmark for the area is $31.97 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+52.6%
San Francisco-Oakland-Fremont, CA$186,640+33.7%
Seattle-Tacoma-Bellevue, WA$167,280+19.8%
New York-Newark-Jersey City, NY-NJ$166,830+19.5%
Boston-Cambridge-Newton, MA-NH$166,090+18.9%
Boulder, CO$164,560+17.8%
San Diego-Chula Vista-Carlsbad, CA$163,270+16.9%
Bridgeport-Stamford-Danbury, CT$162,650+16.5%
Manchester-Nashua, NH$162,090+16.1%
Los Angeles-Long Beach-Anaheim, CA$160,920+15.2%

Top-paying occupations benchmarked in Sacramento-Roseville-Folsom, CA

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$193,970$93.25/hr
Nurse Practitioner$172,010$82.70/hr
Registered Nurse (RN)$171,460$82.43/hr
Natural Sciences Managers$170,010$81.74/hr
Chief Executives$169,770$81.62/hr
Data Engineer$169,310$81.40/hr
Computer and Information Systems Managers$165,270$79.46/hr
Marketing Managers$164,270$78.98/hr
Financial Manager$163,090$78.41/hr
Physician Assistant$161,470$77.63/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 Sacramento-Roseville-Folsom, CA (2026) Overview

Software Engineer median pay in Sacramento-Roseville-Folsom, CA is $139,640 a year ($67.13/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Software Engineer in Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA?

The median annual wage is $139,640 ($67.13 per hour). The middle 80% of earners make between $100,040 and $209,140. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Sacramento-Roseville-Folsom, CA after taxes?

On the median wage of $139,640, a single filer with no pre-tax deductions takes home about $96,297 a year ($8,025 a month) after $43,343 in federal, FICA, state and local taxes, an effective rate of 31.04%, using 2026 tax rules.