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San Antonio vs Austin

San Antonio, TX  ·  Austin, TX

TL;DR

San Antonio cost-of-living index is 92 vs 121 for Austin (US = 100). Median home: $270,000 vs $500,000. Median rent: $899/mo vs $1,300/mo.

Source: Zillow ZHVI/ZORI · Census ACS, 2026-04-19

⚖️

San Antonio is 32% cheaper than Austin overall.

Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-04-19

Home Price

San: $270,000

Austin: $500,000

Monthly Rent

San: $899/mo

Austin: $1,300/mo

COL Index

San: 92

Austin: 121

Median Income

San: $58,600

Austin: $83,800

Side-by-Side Comparison

Metric
San Antonio
Austin
Winner
🏠

Median Home Price

$270,000
$500,000
San Antonio
🏢

Monthly Rent (Median)

$899/mo
$1,300/mo
San Antonio
💰

Median Household Income

$58,600
$83,800
Austin
📋

Property Tax Rate

1.8%
1.8%
Tied
📊

Cost of Living Index

100 = national average

92
121
San Antonio
🚗

Avg. Commute

26 min
27 min
San Antonio
📈

Unemployment Rate

3.8%
3.1%
Austin
👥

Median Age

34.3 yrs
34 yrs
Tied

What This Means For You

💵

Buying Power

A $100,000 salary in San Antonio has the same purchasing power as $131,522 in Austin — based on each city's cost of living index.

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Housing

Homes in Austin are 85% cheaper (-$230,000 less). That's a significant down payment and monthly payment difference.

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Renting

Renting in San Antonio saves you $401/month — $4,812 per year. Median rent: $899/mo in San Antonio vs $1,300/mo in Austin.

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Property Taxes

On a median-priced home, San Antonio owners pay roughly $4,860/year in property taxes vs $9,000/year in Austin. Rates are comparable.

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Local Earnings

Median household income is $58,600 in San Antonio and $83,800 in Austin. San Antonio residents earn 43% more — but remember to factor in cost of living.

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Daily Commute

Average commute is 26 minutes in San Antonio vs 27 minutes in Austin. Commute times are nearly identical.

Salary Equivalence

To maintain the same lifestyle when moving from San Antonio to Austin, here's the salary you'd need:

Salary in San AntonioEquivalent in AustinDifference
$50,000$65,761+$15,761
$75,000$98,641+$23,641
$100,000$131,522+$31,522
$150,000$197,283+$47,283
$200,000$263,043+$63,043

* Calculated using cost of living indices (national average = 100). Does not account for state income tax differences.

Run the Numbers

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Mortgage Calculator

See monthly payments for homes in either city

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Rent vs Buy

Is it cheaper to rent or buy in these markets?

📊

Cost of Living

Full cost of living comparison tool

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Home Appreciation

Project future home value growth

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Affordability Calculator

How much home can you afford?

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Property Tax Calculator

Estimate taxes in San Antonio or Austin

San Antonio Calculators

→ Mortgage calculator for San Antonio→ Rent vs buy in San Antonio

Austin Calculators

→ Mortgage calculator for Austin→ Rent vs buy in Austin

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San Antonio vs Austin: Common Questions

Is San Antonio or Austin cheaper to live in?

Based on cost of living indices, San Antonio is cheaper overall. San Antonio has a COL index of 92 while Austin scores 121 (national average = 100).

How do home prices compare between San Antonio and Austin?

The median home price in San Antonio is $270,000 vs $500,000 in Austin — a difference of $230,000 (85%).

What salary do I need in Austin to match my San Antonio income?

Use the salary equivalence table above. For example, a $100K salary in San Antonio is equivalent to $131,522 in Austin in terms of purchasing power.

Which city has lower property taxes?

Austin has a lower property tax rate (1.8% vs 1.8%). On a median-priced home, that means paying $4,860/year vs $9,000/year.

How does rent compare in San Antonio vs Austin?

Median monthly rent: $899 in San Antonio vs $1,300 in Austin. Annualized: $10,788 vs $15,600.

What is the median household income in each city?

San Antonio: $58,600/yr. Austin: $83,800/yr (Census ACS).

Which city is better for remote workers?

Lower-cost San Antonio typically lets remote-workers keeping a coastal salary stretch further. Higher-cost cities usually win on amenities and labor-market depth.

Where does the data on this comparison come from?

Numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this comparison updated?

Source feeds refresh on their native cadence — hourly for mortgage rates, monthly for ZHVI/ZORI, annually for ACS. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. This page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.

Sources & Citations

  1. Zillow Research — Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income, median age, commute time — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities (RPP) by state and metro — bea.gov/rpp
  4. Tax Foundation — effective property tax rates and state tax rates — taxfoundation.org
  5. U.S. Bureau of Labor Statistics — unemployment rates and regional CPI — bls.gov
  6. Council for Community and Economic Research (C2ER) — Cost of Living Index — coli.org
Methodology & Assumptions

City-level metrics (median home price, median rent, median household income, property tax rate, COL index, commute, unemployment, median age) are sourced from Zillow ZHVI/ZORI[1], Census ACS 5-year estimates[2], BEA Regional Price Parities[3], Tax Foundation[4], and BLS Local Area Unemployment Statistics[5].

The Cost of Living Index uses 100 = national average (C2ER methodology[6]): values above 100 indicate a city is more expensive than the national average, below 100 less expensive.

Salary equivalence uses the ratio adjustedSalary = salary × (colDestination / colOrigin). This accounts for cost-of-living differences but does not model state income tax variation, which can be significant.

Annual property tax is computed as medianHomePrice × propertyTaxRate. Actual assessed value may differ from sale price. Effective rates vary within a metro; these are metro-wide medians.

Commute-hours calculations assume 250 working days/year and a round-trip commute. "Tied" in the comparison table means values within ±1% of each other.

Last reviewed reflects the maximum retrievedAt timestamp across every sourced dataset feeding this page. When any source refreshes, the next ISR revalidation (every 24 hours) picks the new date.

Cost of living data sourced from [6] C2ER, [2] U.S. Census Bureau, and [1] Zillow Research. Tax rates from [4] Tax Foundation. Last reviewed 2026-04-19.