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MODELED MONTHLY SURPLUS

Top 20 cities for Architects, Except Landscape and Naval

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.

Direct BLS match to SOC 17-1011 Architects, Except Landscape and Naval.

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

Dayton, OH

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,376
Modeled 2026 Gross Salary
$105,114
BEA 2024 RPP
92.7
Est. Mortgage
$917/mo
#2

Baltimore, MD

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$3,220
Modeled 2026 Gross Salary
$118,859
BEA 2024 RPP
104.5
Est. Mortgage
$1,835/mo
#3

Oklahoma City, OK

MSA Pop: 1.4M
Modeled 2026 monthly surplus
$3,155
Modeled 2026 Gross Salary
$104,427
BEA 2024 RPP
90.4
Est. Mortgage
$1,101/mo
#4

Tulsa, OK

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$3,116
Modeled 2026 Gross Salary
$102,233
BEA 2024 RPP
89.2
Est. Mortgage
$1,022/mo
#5

Indianapolis, IN

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$3,109
Modeled 2026 Gross Salary
$105,626
BEA 2024 RPP
95.7
Est. Mortgage
$1,363/mo
#6

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,082
Modeled 2026 Gross Salary
$96,319
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#7

Louisville, KY

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$2,936
Modeled 2026 Gross Salary
$103,279
BEA 2024 RPP
93.1
Est. Mortgage
$1,258/mo
#8

St. Louis, MO

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$2,933
Modeled 2026 Gross Salary
$101,270
BEA 2024 RPP
95.1
Est. Mortgage
$1,153/mo
#9

Detroit, MI

MSA Pop: 4.3M
Modeled 2026 monthly surplus
$2,903
Modeled 2026 Gross Salary
$100,368
BEA 2024 RPP
100.3
Est. Mortgage
$1,179/mo
#10

Birmingham, AL

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$2,896
Modeled 2026 Gross Salary
$99,148
BEA 2024 RPP
91.6
Est. Mortgage
$1,075/mo
#11

Rochester, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$2,849
Modeled 2026 Gross Salary
$97,867
BEA 2024 RPP
97.0
Est. Mortgage
$1,022/mo
#12

Omaha, NE

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$2,805
Modeled 2026 Gross Salary
$101,834
BEA 2024 RPP
91.9
Est. Mortgage
$1,311/mo
#13

Greenville, SC

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$2,783
Modeled 2026 Gross Salary
$105,667
BEA 2024 RPP
93.3
Est. Mortgage
$1,468/mo
#14

Houston, TX

MSA Pop: 7.1M
Modeled 2026 monthly surplus
$2,775
Modeled 2026 Gross Salary
$100,030
BEA 2024 RPP
98.6
Est. Mortgage
$1,625/mo
#15

Jacksonville, FL

MSA Pop: 1.5M
Modeled 2026 monthly surplus
$2,769
Modeled 2026 Gross Salary
$101,711
BEA 2024 RPP
99.5
Est. Mortgage
$1,730/mo
#16

Milwaukee, WI

MSA Pop: 1.6M
Modeled 2026 monthly surplus
$2,765
Modeled 2026 Gross Salary
$102,172
BEA 2024 RPP
96.9
Est. Mortgage
$1,363/mo
#17

Buffalo, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$2,751
Modeled 2026 Gross Salary
$97,508
BEA 2024 RPP
95.8
Est. Mortgage
$1,101/mo
#18

Sacramento, CA

MSA Pop: 2.4M
Modeled 2026 monthly surplus
$2,741
Modeled 2026 Gross Salary
$129,129
BEA 2024 RPP
106.7
Est. Mortgage
$2,673/mo
#19

Kansas City, MO

MSA Pop: 2.2M
Modeled 2026 monthly surplus
$2,733
Modeled 2026 Gross Salary
$102,418
BEA 2024 RPP
92.5
Est. Mortgage
$1,415/mo
#20

Hartford, CT

MSA Pop: 1.2M
Modeled 2026 monthly surplus
$2,694
Modeled 2026 Gross Salary
$104,632
BEA 2024 RPP
102.7
Est. Mortgage
$1,573/mo