San Francisco vs Austin: where does a hr manager save more?
Best for saving: Austin — about $5,665/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $136,324 | $140,670 |
| Take-home / mo | $7,384 | $8,575 |
| Income tax | ~35% | ~27% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $2,984 | $5,665 |
| Savings rate | 40% | 66% |
| Verdict | Excellent | Excellent |
Single professional, after-tax. "Savings" = take-home − a baseline cost of living. A planning estimate, not financial advice.
How we calculated this
• Salary: BLS/OECD median for a hr manager, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~35%, US ~27%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.