Sovereign

Tech

Product Manager Salary · San Francisco vs Austin

Net pay, tax drag, and purchasing power modeled for 2025 offers. Built for relocating teams, expats, and comp committees.

Net pay

San Francisco

$143,886

26.6% effective rate

Net pay

Austin

$125,436

25.8% effective rate

Annual delta

Spread

+$18,451

San Francisco advantage

City

San Francisco

The epicenter of global technology, offering the highest base salaries adjusted for a fiercely competitive housing market.

Median professional income

$78,500

Role modeled

Product Manager

Gross base

$196,000

Net after tax

$143,886

Cost-of-living index

96

Rent index

98

City

Austin

A rapidly expanding tech hub benefiting from Texas’s zero state income tax policy.

Median professional income

$78,500

Role modeled

Product Manager

Gross base

$169,000

Net after tax

$125,436

Cost-of-living index

67

Rent index

56

Purchasing power

Net income vs lifestyle drag

San Francisco

$11,991

Housing$3,597
Essentials$2,398
Discretionary$2,998
Savings$2,998

Austin

$10,453

Housing$3,136
Essentials$2,091
Discretionary$2,613
Savings$2,613

Cost-of-living deep dive

Flip into the COL template for this exact pair. See rent burdens, discretionary drift, and PPP commentary.

Open COL page

Remote benchmark

Need a borderless baseline? Run the remote analyzer across our tier-one city basket.

Remote comparison

More combinations

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Frequently asked

Who wins for Product Manager net pay: San Francisco or Austin?+
San Francisco keeps about $18,451 more after tax (26.6% effective rate) compared to Austin (25.8%).
How different are the cost-of-living profiles?+
San Francisco posts a cost-of-living index of 96 and rent index of 98. Austin comes in at 67 / 56. The purchasing power gap tightens once you factor in rent and lifestyle drift.
What salary uplift offsets Austin's taxes?+
You would need roughly $24,858 in additional gross compensation to match the same take-home pay in San Francisco.