$40K in Austin = $35,082 in Eugene

Your $40K salary in Austin (COL 122) has the same purchasing power as $35,082 in Eugene (COL 107). Eugene is cheaper — your money goes 12% further there.

$40K in Austin, TX
$2,728/mo take-home
Rent: $1,800/mo (66% of take-home)
Difficult
$35,082/yr in Eugene, OR
$2,103/mo take-home
Rent: $1,650/mo (78% of take-home)
Difficult

Budget breakdown — $40K in both cities

What $40K actually buys you in each city after taxes and core expenses.

Expense
Austin
$40K
Eugene
$40K (same salary)
Monthly take-home$2,728$2,398
1BR rent$1,800$1,650
Groceries$372$395
Transport$50$82
Utilities$170$128
Internet$65$65
Left after essentials$271/month$78/month
To match your Austin purchasing power in Eugene, you'd need to earn $35,082/year (12% less than $40K). At that salary, you'd have $-217/mo left after essentials — vs $271/mo in Austin.

Frequently asked questions

What is $40K in Austin equivalent to in Eugene?

$40K in Austin (COL index 122) has the same purchasing power as $35,082 in Eugene (COL index 107). That's 12% less than your current salary.

If I move from Austin to Eugene keeping my $40K salary, will I be better off?

Yes. If you keep earning $40K after moving to Eugene, you'd have $-193 more per month after core expenses — because Eugene is cheaper than Austin.

How is the salary equivalent calculated?

The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (107 ÷ 122) = $35,082. This adjusts for differences in housing, food, transport, and general cost of living.

Other salary amounts — Austin to Eugene

$50K → $43,852$60K → $52,623$75K → $65,779$80K → $70,164$100K → $87,705$120K → $105,246$150K → $131,557
$40K in Eugene → AustinMoving from Austin to EugeneAustin vs Eugene — full comparisonCan I afford Austin vs Eugene on $40K?

Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only