San Francisco vs Austin: where does a social worker save more?
Best for saving: San Francisco — about $825/mo after taxes and living costs.
San Francisco US ★ Best for saving | Austin US | |
|---|---|---|
| Median salary | $90,241 | $47,740 |
| Take-home / mo | $5,225 | $3,335 |
| Income tax | ~31% | ~16% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $825 | $425 |
| Savings rate | 16% | 13% |
| Verdict | Comfortable | Okay |
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 social worker, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~31%, US ~16%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.