Salary Needed to Live in Round Rock as a Retiree
A retired individual (65+) needs approximately $61,903/year to live comfortably in Round Rock, TX, including 5% savings.
Direct Answer
A retiree needs about $61,903/year to live comfortably in Round Rock, TX. The bare-minimum salary is $57,776/year, but the comfortable figure includes a 5% savings target and a monthly after-tax budget of $3,815.
The minimum scenario leaves about $3,611/mo after tax and no planned savings. The comfortable scenario uses $5,159/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$61,903
with 5% savings
Bare Minimum
$57,776
$4,815/mo gross, no savings buffer
Monthly Expenses
$3,611
2% below national avg
Detailed Monthly Budget for a Retiree in Round Rock
| Expense | Round Rock | Nat'l Avg | Diff |
|---|---|---|---|
| 1-2BR Senior-Friendly Rent | $1,370 | $1,448 | -5% |
| Groceries | $193 | $189 | +2% |
| Utilities | $148 | $183 | -19% |
| Transportation | $242 | $211 | +15% |
| Car Insurance | $172 | $223 | -23% |
| Health Insurance | $701 | $672 | +4% |
| Medicare Supplement | $204 | $200 | +2% |
| Prescription Drugs | $153 | $150 | +2% |
| Internet + Phone | $122 | $120 | +2% |
| Recreation & Social | $204 | $200 | +2% |
| Home Maintenance | $102 | $100 | +2% |
| Total Monthly | $3,611 | $3,696 | -2% |
How We Calculated the Salary
Monthly expenses:$3,611
Target savings (5%):$204/mo
Monthly after-tax needed:$3,815
Effective tax rate:25%
Gross annual salary needed:$61,903
What Drives the Salary Number?
Housing
$1,370
1-2BR Senior-Friendly rent is 38% of this monthly budget.
Taxes
25%
Estimated federal plus TX state tax reserve used to convert take-home needs into gross salary.
Savings target
5%
$204/mo is reserved for savings so the salary is not just break-even.
Local index
102/100
Round Rock is close to the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby south Cities
Salary Planning Checklist
- Keep 1-2br senior-friendly housing near $1,370/mo or adjust the salary target upward.
- Budget $785/mo for persona-specific costs such as Medicare Supplement and Prescription Drugs.
- Use $57,776/year as the survival floor and $61,903/year as the healthier negotiation target.
Other Household Types in Round Rock
Related Pages
FAQ
What salary does a retiree need in Round Rock?
A retiree needs approximately $61,903/year ($5,159/month gross) to live comfortably in Round Rock with a 5% savings rate.
How much is rent for a retiree in Round Rock?
A 1-2br senior-friendly in Round Rock costs approximately $1,370/month, which is the largest single expense at 38% of the total budget.
Is Round Rock affordable for a retiree?
Round Rock is roughly average for retiree costs, requiring a salary close to the national median.