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Cost of Living Comparison 2026

Compare Abilene, TX and Austin, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd spend $1.3K/month more in Austin, TX

$150.0K in your current city equals $165.2K in Austin, TX

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↑ 16.9%
More expensive
Monthly Impact
$1,270
Extra cost
Annual Impact
$15.2K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Abilene, TX

Population:129K
Cost Index:
100
100 = national average
Median Home:$195K

Austin, TX

Population:979K
Cost Index:
117
(17% above avg)
Median Home:$558K

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Abilene, TX

The Lone Star State

129K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 129K residents.

πŸ’‘ Advantage: Texas has no state income tax!

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • β€’Live music capital
  • β€’Major tech hub
  • β€’SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Abilene, TX vs Austin, TX

Housing
↑ 54.7%
Abilene, TX
$1,865
Austin, TX
$2,885
Difference
$1,020
more
Other
↑ 8.9%
Abilene, TX
$1,599
Austin, TX
$1,741
Difference
$142
more
Transportation
↑ 7.8%
Abilene, TX
$1,191
Austin, TX
$1,284
Difference
$93.43
more
Groceries
↑ 8.4%
Abilene, TX
$885
Austin, TX
$959
Difference
$74.05
more
All Utilities
↑ 2.8%
Abilene, TX
$526
Austin, TX
$541
Difference
$14.79
more
Healthcare
↑ 0.7%
Abilene, TX
$585
Austin, TX
$589
Difference
$3.92
more

🏠Rent Comparison

Studio
From$788
To$1,585
↑ $797
1 Bed
From$796
To$1,685
↑ $889
2 Bed
From$993
To$1,995
↑ $1,002
3 Bed
From$1,285
To$2,525
↑ $1,240
Abilene, TXZIP-level data

1BR range: $900–$1,090/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/mo

πŸ’‘ Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,651
Monthly in Abilene, TX
$7,998
Monthly in Austin, TX
$1,348
Difference

Home Values

Abilene
Austin
$195K
Median Value
$558K
↑ +2.8%
YoY Change
↓ -5%
↑ +30.4%
5-Year Change
↑ +12.6%
$130K - $285K
Price Range
$272K - $1.26M

Homes in Austin are 186% more expensive than Abilene

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
β†’ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Abilene, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Abilene, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

πŸ’‘ Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

🚢 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Abilene
Austin
54 Moderate
Air Quality
52 Moderate
35.5%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.7Β°F
2050 Outlook
β–²+2.5Β°F
94 days
Heat Days >95Β°F
98 days
β–²+2.7Β°F
2050 Outlook
β–²+2.5Β°F
94 days
Heat Days >95Β°F
98 days

What to Consider When Moving from Abilene, TX to Austin, TX

Relocating from Abilene, TX to Austin, TX involves more than just comparing rent prices. While the overall cost of living is roughly 17% higher in Austin, TX, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Austin, TX is 55% more expensive than in Abilene, TX. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Austin, TX pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Austin, TX to match your current standard of living in Abilene, TX.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Austin, TX for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Abilene, TX vs Austin, TX

How do the cost estimates for Abilene, TX and Austin, TX compare?

The saved overall index for Austin, TX is 16.9% higher than for Abilene, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Abilene, TX, the model estimates $165,236 in Austin, TX. It assumes 60% of gross income changes with the relative cost index and 40% stays fixed. The monthly difference is the salary difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Abilene, TX and Austin, TX?

The modeled two-bedroom rents are $993/month in Abilene, TX and $1,995/month in Austin, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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