City Comparison
San Francisco vs Austin
Take-home pay, tax burden, and cost of living side-by-side. 2026 tax brackets.
California
San Francisco
- Net on $110,000
- $78,971
- Effective rate
- 28.2%
- COL index
- 244
- Buying power
- $32,365
Texas
Austin
- Net on $110,000
- $85,771
- Effective rate
- 22.0%
- COL index
- 119
- Buying power
- $72,076
On a $110,000 salary, the raw take-home gap is $6,800, but once you adjust for cost of living the effective buying-power gap is $39,711. To match San Francisco's lifestyle at $110,000, you'd need to earn roughly $49,394 in Austin.
Comparison at different salary levels
Single filer, biweekly pay, standard deduction. Local tax applied where relevant.
| Gross salary | San Francisco net | Austin net | Equivalent in Austin |
|---|---|---|---|
| $60,000 | $47,971 | $50,249 | $27,936 |
| $85,000 | $63,708 | $68,184 | $38,734 |
| $110,000 | $78,971 | $85,771 | $49,394 |
| $150,000 | $102,758 | $113,278 | $66,362 |
"Equivalent in Austin" = the gross salary you'd need to earn in Austin to match the after-tax, after-COL buying power of the left-column salary in San Francisco.
See individual city breakdowns
Frequently asked questions
Is it cheaper to live in San Francisco or Austin? ▾
Austin is significantly cheaper — COL index of 119 vs 244 (US average = 100). That gap comes mostly from housing; groceries and utilities usually differ by less than the headline COL number suggests.
If I earn $110,000 in San Francisco, what do I need in Austin to match? ▾
To match the same after-tax buying power you'd get from $110,000 in San Francisco, you'd need to earn about $49,394 gross in Austin. That accounts for both the tax difference and the cost-of-living gap.
Which city has lower taxes on a $110,000 salary? ▾
At $110,000, San Francisco has an effective total tax rate of 28.2% vs 22.0% in Austin. That works out to a tax difference of about $6,800 per year.
Does the 'cheaper' city actually leave you better off? ▾
Not always. Raw net pay matters, but so does what that money buys. When we adjust for cost of living, Austin leaves you with about $72,076 of equivalent buying power at $110,000 — compared to $32,365 in the other.