Moving from San Francisco to Odessa
You'd keep $690 more a month in Odessa
+$8,280 a year for the same registered nurse, the same household size, and the same number of bedrooms.
San Francisco leftover
$2,380
a month after tax and rent
Odessa leftover
$3,070
+$690 vs San Francisco
| Per month | San Francisco | Odessa | Difference |
|---|---|---|---|
| Gross pay | $10,458 | $7,719 | −$2,740 |
| Income and payroll tax | $3,056 | $1,590 | −$1,466 |
| Take-home pay | $7,403 | $6,129 | −$1,274 |
| Rent | $2,609 | $1,174 | −$1,435 |
| Getting around | $558 | $570 | +$12 |
| Groceries | $512 | $363 | −$149 |
| Healthcare | $576 | $408 | −$168 |
| Utilities | $320 | $227 | −$93 |
| Everything else | $448 | $317 | −$131 |
| Left over | $2,380 | $3,070 | +$690 |
To break even in Odessa, you'd need to earn
$81,000
Household gross, versus $125,500 today. That's the salary that leaves you exactly as much at the end of the month as San Francisco does now.
The tax difference alone
+$7,699
A year, in state and local income tax. Texas has no wage income tax.
More about Odessa
San Francisco, CA in full
Dense, walkable, cold in July, and priced for two incomes.
Odessa, TX in full
No state income tax, a median 2-bedroom asking rent of $1,398 and 269 sunny days; commutes average 25 minutes.
The reverse move
Same two cities, but starting from Odessa on Odessa wages.
Odessa → San Francisco →Questions
Is the cost of living lower in Odessa than San Francisco?
A one-bedroom is about $2,609 in San Francisco versus $1,174 in Odessa. On a one-adult, one-bedroom household, leftover is about $690 a month higher in Odessa. Change the job or household on the comparison to see your number.
Does Odessa have state income tax?
Odessa is in Texas, which has no state income tax.
What changes if you move from San Francisco to Odessa?
Take-home pay is recalculated under Texas tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.