Austin vs San Francisco: where does a physician (general practice) save more?
Best for saving: San Francisco — about $12,774/mo after taxes and living costs.
Austin US | San Francisco US ★ Best for saving | |
|---|---|---|
| Median salary | $272,440 | $363,590 |
| Take-home / mo | $15,130 | $17,174 |
| Income tax | ~33% | ~43% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $12,220 | $12,774 |
| Savings rate | 81% | 74% |
| 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 physician (general practice), adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~33%, US ~43%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.