●BLS May 2024 · Federal/FICA 2026 · HUD FY2026
Dental Hygienists Offer in San Jose, CA: Is It Worth It?
Default scenario: $141,842 projected gross pay, 2026 Single tax profile, and HUD FMR 1BR rent.
Default verdict
Risky
The default scenario leaves a thin buffer after rent. Test a higher offer or your actual rent.
Monthly take-home
$8,239/mo
After HUD FMR
$4,939/mo
Main pressure
Housing burden
Confidence
Cmodeled scenario
Rent: $3,300/mo HUD FMR 1BRRent burden: 40%Effective tax: 30%Static profile: 2026 Single
Source scope and confidence
BLS OEWS wage estimate · Confidence B
May 2024 · MSA / non-MSA where available
Inflation-indexed salary projection · Confidence C
2026 projection from 2024 wage base · Role x metro default scenario
Federal/FICA/state tax estimate · Confidence C
2026 federal/FICA profile · Single, Married Filing Jointly, or Head of Household plus simplified state income tax
HUD 1BR Fair Market Rent · Confidence B
FY2026 where imported · HUD metro/HMFA-style rent area mapped to site metro
Geography is mapped to San Jose-Sunnyvale-Santa Clara, CA. HUD FMR is a 40th percentile gross rent benchmark. Default page metrics use the 2026 Single federal/FICA profile; the offer evaluator supports MFJ and HOH scenarios.
Core Salary Percentiles
$135,010
Median Annual
$133k — $160k
$133k$134k$142k (Est. 2026)$153k$160k
Housing costs may consume most of this salary in San Jose
Despite earning $141,842, the median home price of $1,450,000 creates a 10.2x price-to-income ratio. Estimated mortgage payments would consume 92% of your take-home pay — well above the 28% guideline. Consider renting or exploring nearby lower-cost metros.
Offer-to-outcome scenario
Run this offer through San Jose
RiskyConfidence C scenario
Filing status
Housing mode
The default scenario leaves a thin buffer after rent. Test a higher offer or your actual rent.
Monthly take-home
$8,239/mo
After rent
$4,939/mo
Rent burden
40%
Effective tax
30%
2026 SingleHUD FMR 1BR: $3,300/moVs page baseline: +0%
Static page metrics still use the default Single profile. This scenario updates locally from the 2026 federal/FICA profile, simplified state tax table, and the selected rent assumption. It does not include credits, benefits, dependents, or every local tax.
Purchasing Power
$98,870/yr
After-Tax Income (Est.)
Source and formula
- Source
- IRS 2026 federal tax schedules, SSA 2026 OASDI wage base, and salary.city state tax table
- Vintage
- Federal/FICA 2026; state table snapshot in code
- Scope
- Default page metric uses Single filing status and the mapped state
- Confidence
- C
- Formula
- Projected gross salary - federal income tax - FICA - estimated state income tax
Assumptions
- Uses the 2026 Single federal/FICA profile for default page metrics.
- State tax is computed from the simplified state table or fallback brackets.
- No credits, itemized deductions, dependents, pre-tax benefits, or local taxes are included.
Limitations
- Offer Evaluator supports MFJ and HOH scenarios, but static page metrics default to Single.
- State and local tax coverage is not yet a full jurisdiction-level model.
$8,239/mo
Monthly Take-Home (Est.)
Source and formula
- Source
- After-tax income estimate from salary.city tax engine
- Vintage
- Federal/FICA 2026; state table snapshot in code
- Scope
- Annual tax estimate divided into 12 equal months
- Confidence
- C
- Formula
- After-tax income / 12
Assumptions
- Assumes salary is earned evenly across the year.
- Uses the same default Single profile as the static after-tax metric.
Limitations
- Does not model pay frequency, bonus timing, payroll elections, benefit deductions, or withholding form settings.
195.3
Cost of Living Index
51%
Purchasing Power (Est.)
Source and formula
- Source
- Projected salary and salary.city regional cost index
- Vintage
- 2026 projection from 2024 wage base; Site model snapshot
- Scope
- Role x mapped metro default scenario
- Confidence
- C
- Formula
- (National average cost index / metro cost index) x 100
Assumptions
- National average cost index is 100.
- Projected salary is inflation-indexed from the latest wage base.
Limitations
- Projection is an estimate, not an observed 2026 payroll value.
- Metro averages can hide neighborhood, household, and consumption differences.
Salary Equivalent
In San Francisco:$137,775/yr
In New York City:$135,959/yr
Tax Liability Blueprint
Base Compensation$141,842
Federal Tax-$22,776
FICA / Medicare-$10,851
State Tax (CA)-$9,345
Effective Tax Rate30.3%
Estimated with the 2026 Single federal/FICA profile. Credits, itemized deductions, dependents, and local taxes are not fully modeled.
Housing Affordability
$3,300/mo
HUD FMR 1BR
Source and formula
- Source
- HUD 1BR Fair Market Rent
- Vintage
- FY2026 where imported
- Scope
- HUD metro/HMFA-style rent area mapped to site metro
- Confidence
- B
- Formula
- Mapped metro rent = imported HUD 1BR FMR when available; otherwise site fallback rent value
Assumptions
- Uses one-bedroom rent as the default housing benchmark.
- Maps the site metro to the nearest available HUD rent area in the imported data.
Limitations
- FMR is a 40th percentile gross rent benchmark, not median market rent.
- Does not represent luxury rents, neighborhood rents, roommate situations, or user-entered actual rent.
40%
Rent-to-Income Ratio
$4,939/mo
Disposable After HUD FMR
Verified Big Tech Offers
Recent H-1B certified base salaries for San Jose, CA. Source: U.S. DoL OFLC.
ByteDance
Research Scientist
Base Salary$500,000
Effective Tax41%
After Tax (Net)$295,611
BYTEDANCE
Senior Research Scientist - Machine Learning System
Base Salary$426,240
Effective Tax40%
After Tax (Net)$257,735
TikTok
Software Engineer
Base Salary$400,000
Effective Tax39%
After Tax (Net)$244,018
BYTEDANCE
Research Scientist, Generative AI
Base Salary$355,000
Effective Tax38%
After Tax (Net)$220,460
TikTok
Research Scientist
Base Salary$348,500
Effective Tax38%
After Tax (Net)$216,997
TikTok
Machine Learning Engineer
Base Salary$340,000
Effective Tax38%
After Tax (Net)$212,463
BYTEDANCE
Senior Product Manager, Client Incentive Product
Base Salary$330,000
Effective Tax37%
After Tax (Net)$207,128
ByteDance
Software Engineer
Base Salary$327,000
Effective Tax37%
After Tax (Net)$205,527
TikTok
Tech Lead Software Engineer, TikTok Data Access
Base Salary$320,000
Effective Tax37%
After Tax (Net)$201,793
BYTEDANCE
Software Engineer, Cloud Native Infrastructure
Base Salary$318,000
Effective Tax37%
After Tax (Net)$200,726
BYTEDANCE
Software Engineer
Base Salary$316,000
Effective Tax37%
After Tax (Net)$199,659
TikTok
Senior Detection Engineer
Base Salary$316,000
Effective Tax37%
After Tax (Net)$199,659
TikTok
Software Engineer
Base Salary$305,029
Effective Tax36%
After Tax (Net)$193,806
BYTEDANCE
Staff Product Designer
Base Salary$300,000
Effective Tax36%
After Tax (Net)$191,123
TikTok
Sr. Data Scientist
Base Salary$294,000
Effective Tax36%
After Tax (Net)$187,922
ByteDance
Product Designer
Base Salary$278,600
Effective Tax35%
After Tax (Net)$179,706
TikTok
Site Reliability Engineer
Base Salary$275,000
Effective Tax35%
After Tax (Net)$177,785
BYTEDANCE
Machine Learning Engineer
Base Salary$274,236
Effective Tax35%
After Tax (Net)$177,378
TikTok
Technical Program Manager
Base Salary$272,000
Effective Tax35%
After Tax (Net)$176,175
TikTok
Data Engineer-Privacy and Data Protection Office
Base Salary$260,000
Effective Tax35%
After Tax (Net)$169,413
Dental Hygienists — Other Cities
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SOURCE-AWARE DATA LAYER
Data Methodology & Authenticity
Eleanor Vance(Credentials)
Lead Data Editor01Official BLS Sources
Aggregated from the U.S. Bureau of Labor Statistics OEWS dataset where role and metro coverage exists. These are official survey-based wage estimates, not local payroll records.
02Inflation Alignment
Historical wage data is inflation-indexed to 2026 for a forward-looking scenario. Projected values are labeled separately from observed BLS wage estimates.
03IRS Tax Deduction Engine
Wage bands are processed through a 2026 federal/FICA tax profile with Single, Married Filing Jointly, and Head of Household options. State taxes remain simplified estimates and can change with credits, deductions, and local taxes.
04HUD Fair Market Rents
Rental deductions use HUD 1-bedroom Fair Market Rent where available. FMR is a 40th percentile gross rent benchmark, so we label it as FMR instead of median rent.
05DoL H-1B Verification
H-1B offer context is drawn from U.S. Department of Labor OFLC disclosure data when shown. It is used as a separate market signal, not as the source of the core BLS wage estimate.