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MODELED MONTHLY SURPLUS

Top 20 cities for Software Developers

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 15-1252 Software Developers.

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

El Paso, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$5,149
Modeled 2026 Gross Salary
$130,493
BEA 2024 RPP
89.9
Est. Mortgage
$1,022/mo
#2

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$4,969
Modeled 2026 Gross Salary
$128,719
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#3

Corpus Christi, TX

MSA Pop: 0.4M
Modeled 2026 monthly surplus
$4,801
Modeled 2026 Gross Salary
$126,669
BEA 2024 RPP
92.7
Est. Mortgage
$1,153/mo
#4

San Antonio, TX

MSA Pop: 2.6M
Modeled 2026 monthly surplus
$4,769
Modeled 2026 Gross Salary
$131,641
BEA 2024 RPP
94.7
Est. Mortgage
$1,468/mo
#5

Detroit, MI

MSA Pop: 4.3M
Modeled 2026 monthly surplus
$4,737
Modeled 2026 Gross Salary
$134,029
BEA 2024 RPP
100.3
Est. Mortgage
$1,179/mo
#6

McAllen, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$4,701
Modeled 2026 Gross Salary
$119,023
BEA 2024 RPP
85.9
Est. Mortgage
$813/mo
#7

Houston, TX

MSA Pop: 7.1M
Modeled 2026 monthly surplus
$4,671
Modeled 2026 Gross Salary
$132,676
BEA 2024 RPP
98.6
Est. Mortgage
$1,625/mo
#8

Jacksonville, FL

MSA Pop: 1.5M
Modeled 2026 monthly surplus
$4,618
Modeled 2026 Gross Salary
$133,588
BEA 2024 RPP
99.5
Est. Mortgage
$1,730/mo
#9

Dallas, TX

MSA Pop: 7.6M
Modeled 2026 monthly surplus
$4,608
Modeled 2026 Gross Salary
$136,622
BEA 2024 RPP
103.1
Est. Mortgage
$1,913/mo
#10

Pittsburgh, PA

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$4,593
Modeled 2026 Gross Salary
$127,612
BEA 2024 RPP
94.7
Est. Mortgage
$1,101/mo
#11

St. Louis, MO

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$4,590
Modeled 2026 Gross Salary
$132,256
BEA 2024 RPP
95.1
Est. Mortgage
$1,153/mo
#12

Seattle, WA

MSA Pop: 4.0M
Modeled 2026 monthly surplus
$4,573
Modeled 2026 Gross Salary
$171,462
BEA 2024 RPP
111.1
Est. Mortgage
$3,932/mo
#13

Philadelphia, PA

MSA Pop: 6.2M
Modeled 2026 monthly surplus
$4,545
Modeled 2026 Gross Salary
$136,366
BEA 2024 RPP
102.6
Est. Mortgage
$1,625/mo
#14

Buffalo, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$4,534
Modeled 2026 Gross Salary
$131,046
BEA 2024 RPP
95.8
Est. Mortgage
$1,101/mo
#15

Birmingham, AL

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$4,473
Modeled 2026 Gross Salary
$128,545
BEA 2024 RPP
91.6
Est. Mortgage
$1,075/mo
#16

Tampa, FL

MSA Pop: 3.2M
Modeled 2026 monthly surplus
$4,468
Modeled 2026 Gross Salary
$133,711
BEA 2024 RPP
100.9
Est. Mortgage
$1,887/mo
#17

Baltimore, MD

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$4,463
Modeled 2026 Gross Salary
$142,373
BEA 2024 RPP
104.5
Est. Mortgage
$1,835/mo
#18

Chicago, IL

MSA Pop: 9.5M
Modeled 2026 monthly surplus
$4,375
Modeled 2026 Gross Salary
$137,740
BEA 2024 RPP
103.6
Est. Mortgage
$1,651/mo
#19

Orlando, FL

MSA Pop: 2.7M
Modeled 2026 monthly surplus
$4,366
Modeled 2026 Gross Salary
$132,861
BEA 2024 RPP
101.4
Est. Mortgage
$1,940/mo
#20

Hartford, CT

MSA Pop: 1.2M
Modeled 2026 monthly surplus
$4,357
Modeled 2026 Gross Salary
$135,833
BEA 2024 RPP
102.7
Est. Mortgage
$1,573/mo