SOC 15-1252

Software Engineer Salary in Tampa-St. Petersburg-Clearwater, 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: 124.55 (+24.5% vs US)
Net Compensation Yield 72.4% Realized
$94,480 / net annual direct deposit
Gross Adjusted $130,450 $62.72/hr
Effective Tax Drag 21.57% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$28,143 $1,082.42/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 $62.72 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,827/yr)
0% Tax Shield: ~$1,878/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$18,164
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,088
Medicare Hospital Insurance
Statutory 1.45%
-$1,892
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$94,480 ($3,633.85 / check)
Category 2 of 6

Tampa-St. Petersburg-Clearwater, FL Software Engineer Wage Distribution

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

Your Salary: $130,450
MIDDLE 50% (IQR RANGE) 10th $78.5k 25th $100k Median: $130,450 50th (Median) $130k 75th $165k 90th $207k You: $130,450
10th (Entry) $78,480 $37.73/hr
25th (Junior) $100,450 $48.29/hr
50th (Median) $130,450 $62.72/hr
75th (Senior) $165,430 $79.53/hr
90th (Lead/Master) $207,330 $99.68/hr
Career Progression & Licensing Milestones for Software Engineer in Tampa-St. Petersburg-Clearwater, FL
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$84,901$40.82/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$122,795$59.04/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$165,005$79.33/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$218,728$105.16/hr · 8+ Years
Scaled to the Tampa-St. Petersburg-Clearwater, 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 Tampa-St. Petersburg-Clearwater, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
21% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,648/month Requires minimum annual gross of $65,920
HUD Fair Market Rent (2-Bedroom) $1,917/month Requires minimum annual gross of $76,680
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.54/hr
Per adult, 2 working adults + 1 child: $23.42/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 Tampa-St. Petersburg-Clearwater, 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$130,450-$28,143$94,480$3,633.85
+5h Overtime/Wk45 hrs$154,909-$35,532$110,083$4,233.95
+10h Overtime/Wk50 hrs$179,369-$42,921$125,685$4,834.05
+15h Overtime/Wk55 hrs$203,828-$49,147$142,452$5,478.92
+20h Overtime/Wk60 hrs$228,288-$55,239$159,351$6,128.88
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 Tampa-St. Petersburg-Clearwater, 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
$130,450/yr
$62.72/hr · SOC 15-1252
Statutory Tax Drag
21.57% Effective
-$28,143 in Total Taxes
HUD 1BR Shelter Ratio
21% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,225/mo
Post-$1,648/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 Tampa-St. Petersburg-Clearwater, FL: Market Snapshot

Software Engineer roles in Tampa-St. Petersburg-Clearwater, FL report a median annual wage of $130,450, 4.1% below the national median of $135,980. The 10th to 90th percentile band runs from $78,480 to $207,330, and HUD’s $1,648 monthly one-bedroom fair market rent equals 15.2% of that median gross pay. The single-adult living wage benchmark for the area is $27.54 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+63.4%
San Francisco-Oakland-Fremont, CA$186,640+43.1%
Seattle-Tacoma-Bellevue, WA$167,280+28.2%
New York-Newark-Jersey City, NY-NJ$166,830+27.9%
Boston-Cambridge-Newton, MA-NH$166,090+27.3%
Boulder, CO$164,560+26.1%
San Diego-Chula Vista-Carlsbad, CA$163,270+25.2%
Bridgeport-Stamford-Danbury, CT$162,650+24.7%
Manchester-Nashua, NH$162,090+24.3%
Los Angeles-Long Beach-Anaheim, CA$160,920+23.4%

Top-paying occupations benchmarked in Tampa-St. Petersburg-Clearwater, FL

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$169,310$81.40/hr
Computer and Information Systems Managers$168,470$81.00/hr
Marketing Managers$159,990$76.92/hr
Financial Manager$157,480$75.71/hr
Human Resources Managers$140,400$67.50/hr
Purchasing Managers$139,430$67.03/hr
Data Engineer$133,290$64.08/hr
Public Relations Managers$132,340$63.62/hr
Sales Managers$132,010$63.47/hr
Natural Sciences Managers$130,010$62.50/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 Tampa-St. Petersburg-Clearwater, FL Overview

Software Engineer median pay in Tampa-St. Petersburg-Clearwater, FL is $130,450 a year ($62.72/hr). See take-home pay after 2026 taxes, BLS wage percentiles. Official 2026 economic data for Software Engineer in Tampa-St. Petersburg-Clearwater, 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 Tampa-St. Petersburg-Clearwater, FL?

The median annual wage is $130,450 ($62.72 per hour). The middle 80% of earners make between $78,480 and $207,330. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Tampa-St. Petersburg-Clearwater, FL after taxes?

On the median wage of $130,450, a single filer with no pre-tax deductions takes home about $100,429 a year ($8,369 a month) after $30,021 in federal, FICA, state and local taxes, an effective rate of 23.01%, using 2026 tax rules.