Equivalent Salary in Austin, TX
$41,346
To maintain the same standard of living as $75,000 in New York, NY, you would need $41,346 in Austin, TX.
US Average = 100.0. Higher index means more expensive. Indexes are composite measures including housing, groceries, utilities, transportation, and healthcare.
How is the cost of living index calculated?
The cost of living index compares the relative cost of goods, services, housing, transportation, and groceries in different cities. A score of 100 represents the US national average. A city with an index of 150 is 50% more expensive than average, while a city at 85 is 15% cheaper. Housing costs are typically the largest factor.
Which US cities are the most expensive?
New York City (187.2), San Francisco (179.6), and Los Angeles (166.2) consistently rank as the most expensive US cities. Washington DC (152.1), Boston (148.4), and Seattle (149.1) also have high costs of living. The main driver is housing costs, which can be 2-4 times the national average in these cities.
What is the most affordable US city to live in?
Among major metropolitan areas, cities in the South and Midwest tend to be the most affordable. San Antonio (88.9), Indianapolis (89.3), and Columbus (91.2) are among the most budget-friendly. These cities offer significantly lower housing costs while still providing access to employment opportunities and amenities.
Should I base my salary negotiation on cost of living?
Cost of living is one important factor, but not the only one. Also consider state income tax (nine states have no income tax), commute costs, quality of schools, healthcare access, and career growth opportunities. A lower salary in a low-cost area can sometimes provide a better quality of life than a higher salary in an expensive city.
Data Sources: Cost of living indexes are based on BLS Consumer Price Index data and C2ER cost of living surveys. Individual circumstances may vary.
Disclaimer: This calculator provides estimates based on current IRS rates and thresholds for the 2025 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your filing status, state of residence, deductions, and individual circumstances. Always consult a qualified tax professional or CPA before making financial decisions. Read our terms
This calculator uses official rates and thresholds from:
Last verified: March 2026 · Tax year 2025. Results are indicative — consult a qualified accountant for personalised advice.