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MODELED MONTHLY SURPLUS

Top 20 cities for AI/ML Engineers

This ranking uses a modeled monthly surplus, not salary alone. It estimates take-home pay, housing, and local standard expenses so you can compare the same defined measure across cities.

Close proxy: AI/ML Engineer is mapped to BLS SOC 15-2051 Data Scientists.

What the modeled surplus includes

Modeled 2026 monthly surplus = modeled monthly take-home pay - estimated mortgage - fixed standard expenses ($2,200/month in every metro). It is a comparison model, not your personal cash-after-rent result.

#1

Sarasota, FL

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$5,118
Modeled 2026 Gross Salary
$150,655
BEA 2024 RPP
102.4
Est. Mortgage
$2,202/mo
#2

Seattle, WA

MSA Pop: 4.0M
Modeled 2026 monthly surplus
$4,425
Modeled 2026 Gross Salary
$168,858
BEA 2024 RPP
111.1
Est. Mortgage
$3,932/mo
#3

Dallas, TX

MSA Pop: 7.6M
Modeled 2026 monthly surplus
$4,284
Modeled 2026 Gross Salary
$130,944
BEA 2024 RPP
103.1
Est. Mortgage
$1,913/mo
#4

Baltimore, MD

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$4,217
Modeled 2026 Gross Salary
$137,678
BEA 2024 RPP
104.5
Est. Mortgage
$1,835/mo
#5

Corpus Christi, TX

MSA Pop: 0.4M
Modeled 2026 monthly surplus
$4,200
Modeled 2026 Gross Salary
$116,286
BEA 2024 RPP
92.7
Est. Mortgage
$1,153/mo
#6

Lakeland, FL

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$4,186
Modeled 2026 Gross Salary
$122,323
BEA 2024 RPP
97.1
Est. Mortgage
$1,520/mo
#7

Jacksonville, FL

MSA Pop: 1.5M
Modeled 2026 monthly surplus
$4,171
Modeled 2026 Gross Salary
$125,747
BEA 2024 RPP
99.5
Est. Mortgage
$1,730/mo
#8

Charlotte, NC

MSA Pop: 2.7M
Modeled 2026 monthly surplus
$4,069
Modeled 2026 Gross Salary
$135,772
BEA 2024 RPP
97.3
Est. Mortgage
$1,913/mo
#9

Hartford, CT

MSA Pop: 1.2M
Modeled 2026 monthly surplus
$4,025
Modeled 2026 Gross Salary
$129,498
BEA 2024 RPP
102.7
Est. Mortgage
$1,573/mo
#10

Minneapolis, MN

MSA Pop: 3.7M
Modeled 2026 monthly surplus
$3,819
Modeled 2026 Gross Salary
$133,025
BEA 2024 RPP
104.8
Est. Mortgage
$1,782/mo
#11

New Haven, CT

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,734
Modeled 2026 Gross Salary
$124,927
BEA 2024 RPP
104.6
Est. Mortgage
$1,625/mo
#12

Miami, FL

MSA Pop: 6.1M
Modeled 2026 monthly surplus
$3,690
Modeled 2026 Gross Salary
$130,636
BEA 2024 RPP
114.2
Est. Mortgage
$2,490/mo
#13

Richmond, VA

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,658
Modeled 2026 Gross Salary
$125,573
BEA 2024 RPP
97.9
Est. Mortgage
$1,677/mo
#14

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,577
Modeled 2026 Gross Salary
$104,775
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#15

Colorado Springs, CO

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,473
Modeled 2026 Gross Salary
$130,790
BEA 2024 RPP
100.7
Est. Mortgage
$2,254/mo
#16

Houston, TX

MSA Pop: 7.1M
Modeled 2026 monthly surplus
$3,326
Modeled 2026 Gross Salary
$109,419
BEA 2024 RPP
98.6
Est. Mortgage
$1,625/mo
#17

Little Rock, AR

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,325
Modeled 2026 Gross Salary
$106,098
BEA 2024 RPP
89.4
Est. Mortgage
$1,022/mo
#18

Austin, TX

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$3,291
Modeled 2026 Gross Salary
$130,544
BEA 2024 RPP
98.1
Est. Mortgage
$2,883/mo
#19

San Antonio, TX

MSA Pop: 2.6M
Modeled 2026 monthly surplus
$3,275
Modeled 2026 Gross Salary
$105,872
BEA 2024 RPP
94.7
Est. Mortgage
$1,468/mo
#20

Tampa, FL

MSA Pop: 3.2M
Modeled 2026 monthly surplus
$3,258
Modeled 2026 Gross Salary
$112,740
BEA 2024 RPP
100.9
Est. Mortgage
$1,887/mo