Is $45,000 a Good Salary in Austin? (2025)

The Verdict

Below Typical Professional Income

At $45,000, your income is below the estimated professional median for Austin (~$78,500). Budgeting will be essential, especially for housing in central districts.

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Estimated Monthly Allocation

Monthly Net Income

$3,170

Full Tax Breakdown

Housing & Utilities

$1,426

Target 30-35% of net. Covers rent/mortgage in outer districts.

Groceries & Transport

$1,109

Core living expenses adjusted for Austin CPI.

Lifestyle & Leisure

$475

Dining out, entertainment, and personal care.

Savings & Investment

$158

Remaining allocation for long-term wealth.

Other salary checks in Austin

Jump to adjacent income bands to stress test lifestyle outcomes.

8 options

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Compare $45,000 across peer hubs

Same salary, different macro-region hubs to benchmark opportunity cost.

Adjust the Numbers

Salary FAQs

What does $45,000 translate to after tax in Austin?↓

Our deterministic engine estimates roughly $38,040 per year (~$3,170 monthly) after United States income taxes and mandatory social contributions for a single filer.

Can $45,000 comfortably cover housing in Austin?↓

Allocating about $1,426 (45% of monthly net income) keeps housing and utilities within the recommended 30–35% band even in prime districts.

How much could I save earning $45,000 in Austin?↓

Following the Sovereign allocation, you could direct roughly $158 per month (5% of take-home pay) toward investments, reserves, or debt payoff.