Sovereign

Tech

Software Engineer Salary · Chicago vs Austin

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

Net pay

Chicago

$112,449

25.0% effective rate

Net pay

Austin

$112,449

25.0% effective rate

Annual delta

Spread

+$0

Chicago advantage

City

Chicago

The Midwest’s trading and private equity hub with comparatively moderate housing costs.

Median professional income

$78,500

Role modeled

Software Engineer

Gross base

$150,000

Net after tax

$112,449

Cost-of-living index

56

Rent index

84

City

Austin

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

Median professional income

$78,500

Role modeled

Software Engineer

Gross base

$150,000

Net after tax

$112,449

Cost-of-living index

67

Rent index

56

Purchasing power

Net income vs lifestyle drag

Chicago

$9,371

Housing$2,811
Essentials$1,874
Discretionary$2,343
Savings$2,343

Austin

$9,371

Housing$2,811
Essentials$1,874
Discretionary$2,343
Savings$2,343

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

Interlink into adjacent hubs to keep crawlers following the mesh.

Frequently asked

Who wins for Software Engineer net pay: Chicago or Austin?+
Chicago keeps about $0 more after tax (25.0% effective rate) compared to Austin (25.0%).
How different are the cost-of-living profiles?+
Chicago posts a cost-of-living index of 56 and rent index of 84. 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 $0 in additional gross compensation to match the same take-home pay in Chicago.