Cost of Living Comparison · 2026

Austin vs Modesto

$75,000 salary · single filer · 2-bedroom apartment

Monthly take-home pay

Austin$5,096

Modesto$4,842

2-bedroom rent (HUD FMR)

Austin$1,852

Modesto$1,758

Left after rent

Austin$3,244

Modesto$3,084

Thinking about moving from Austin to Modesto on a $75k salary? On $75,000 a year, you take home $5,096/mo in Austin and $4,842/mo in Modesto after taxes. Factor in a 2-bedroom apartment and you're left with $3,244/mo in Austin vs $3,084/mo in Modesto. Numbers use 2026 tax brackets and HUD fair market rents. Treat them as a starting point, not financial advice.

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