San Francisco vs Austin: where does a k-12 teacher save more?
Best for saving: Austin — about $1,171/mo after taxes and living costs.
San Francisco US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $78,416 | $59,695 |
| Take-home / mo | $4,643 | $4,081 |
| Income tax | ~29% | ~18% |
| Living costs / mo | $4,400 | $2,910 |
| Savings / mo | $243 | $1,171 |
| Savings rate | 5% | 29% |
| Verdict | Okay | Comfortable |
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 k-12 teacher, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~29%, US ~18%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.