SOC 15-1252

Software Engineer Salary in Stockton-Lodi, 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: 120.99 (+21.0% vs US)
Net Compensation Yield 65.0% Realized
$90,123 / net annual direct deposit
Gross Adjusted $138,550 $66.61/hr
Effective Tax Drag 28.95% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$40,114 $1,542.85/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 $66.61 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$8,313/yr)
0% Tax Shield: ~$1,995/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$19,991
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,590
Medicare Hospital Insurance
Statutory 1.45%
-$2,009
California Individual Income Tax
State Marginal Bracket
-$7,723
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,801
Net Take-Home Annual Realized
$90,123 ($3,466.27 / check)
Category 2 of 6

Stockton-Lodi, CA Software Engineer Wage Distribution

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

Your Salary: $138,550
MIDDLE 50% (IQR RANGE) 10th $91.5k 25th $121k Median: $138,550 50th (Median) $139k 75th $177k 90th $209k You: $138,550
10th (Entry) $91,500 $43.99/hr
25th (Junior) $120,540 $57.95/hr
50th (Median) $138,550 $66.61/hr
75th (Senior) $177,200 $85.19/hr
90th (Lead/Master) $209,460 $100.70/hr
Career Progression & Licensing Milestones for Software Engineer in Stockton-Lodi, CA
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$90,173$43.35/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$130,419$62.70/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$175,251$84.26/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$232,309$111.69/hr · 8+ Years
Scaled to the Stockton-Lodi, 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 Stockton-Lodi, CA 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) $1,628/month Requires minimum annual gross of $65,120
HUD Fair Market Rent (2-Bedroom) $2,015/month Requires minimum annual gross of $80,600
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.76/hr
Per adult, 2 working adults + 1 child: $24.21/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 Stockton-Lodi, 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$138,550-$40,114$90,123$3,466.27
+5h Overtime/Wk45 hrs$164,528-$50,571$104,086$4,003.30
+10h Overtime/Wk50 hrs$190,506-$60,655$118,421$4,554.65
+15h Overtime/Wk55 hrs$216,484-$69,649$133,846$5,147.92
+20h Overtime/Wk60 hrs$242,463-$79,533$148,382$5,707.01
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 Stockton-Lodi, 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
$138,550/yr
$66.61/hr · SOC 15-1252
Statutory Tax Drag
28.95% Effective
-$40,114 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,882/mo
Post-$1,628/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 Stockton-Lodi, CA: Market Snapshot

Software Engineer roles in Stockton-Lodi, CA report a median annual wage of $138,550, 1.9% above the national median of $135,980. The 10th to 90th percentile band runs from $91,500 to $209,460, and HUD’s $1,628 monthly one-bedroom fair market rent equals 14.1% of that median gross pay. The single-adult living wage benchmark for the area is $26.76 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+53.8%
San Francisco-Oakland-Fremont, CA$186,640+34.7%
Seattle-Tacoma-Bellevue, WA$167,280+20.7%
New York-Newark-Jersey City, NY-NJ$166,830+20.4%
Boston-Cambridge-Newton, MA-NH$166,090+19.9%
Boulder, CO$164,560+18.8%
San Diego-Chula Vista-Carlsbad, CA$163,270+17.8%
Bridgeport-Stamford-Danbury, CT$162,650+17.4%
Manchester-Nashua, NH$162,090+17.0%
Los Angeles-Long Beach-Anaheim, CA$160,920+16.1%

Top-paying occupations benchmarked in Stockton-Lodi, CA

OccupationMedian annual wageMedian hourly
Chief Executives$214,340$103.05/hr
Natural Sciences Managers$174,860$84.07/hr
Architectural and Engineering Managers$169,090$81.29/hr
Computer and Information Systems Managers$165,260$79.45/hr
Physician Assistant$162,110$77.94/hr
Nurse Practitioner$159,150$76.51/hr
Education Administrators, Kindergarten through Secondary$155,770$74.89/hr
Marketing Managers$153,830$73.96/hr
Financial Manager$152,090$73.12/hr
Purchasing Managers$142,100$68.32/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 Stockton-Lodi, CA (2026) Overview

Software Engineer median pay in Stockton-Lodi, CA is $138,550 a year ($66.61/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Software Engineer in Stockton-Lodi, 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 Stockton-Lodi, CA?

The median annual wage is $138,550 ($66.61 per hour). The middle 80% of earners make between $91,500 and $209,460. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Stockton-Lodi, CA after taxes?

On the median wage of $138,550, a single filer with no pre-tax deductions takes home about $95,668 a year ($7,972 a month) after $42,882 in federal, FICA, state and local taxes, an effective rate of 30.95%, using 2026 tax rules.