San Francisco vs Austin: where does a hvac technician save more?
Best for saving: Austin — about $1,600/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $84,336 | $66,728 |
| Take-home / mo | $4,938 | $4,510 |
| Income tax | ~30% | ~19% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $538 | $1,600 |
| Savings rate | 11% | 35% |
| Verdict | Okay | 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 hvac technician, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~30%, US ~19%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.