Is Austin, TX cheaper than Albany, GA?

Based on cost of living data, Austin, TX is 11.9% more expensive than Albany, GA. This translates to spending an extra $891 per month.

What salary do I need in Austin, TX to live like I do in Albany, GA?

If you earn $150,000 in Albany, GA, you'd need approximately $160,693.873 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Albany, GA and Austin, TX?

Housing in Austin, TX is 41.8% more expensive than in Albany, GA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,291/month in Albany, GA.

How much can I save per month by moving from Albany, GA to Austin, TX?

Living in Austin, TX costs approximately $891 more per month than Albany, GA, or $10694 more per year, based on a $150,000 salary.

Albany, GA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Albany, GA — ZIP-level rent data · COL adjusted from Columbus, GA area

Current salary in Albany, GA

Numbers update automatically as you type

You'd spend $891/month more in Austin, TX

$150.0K in your current city equals $160.7K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 11.9%

More expensive

Monthly Impact

$891

Extra cost

Annual Impact

$10.7K

Per year

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

Albany, GA

Population:67K

Cost Index:100

Median Home:$106K

Austin, TX

Population:979K

Cost Index:112

Median Home:$558K

Albany, GA

The Peach State

67K

Population

State Tax

Yes

Located in Georgia, this city has a population of 67K residents.

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Albany, GA vs Austin, TX

Category	Albany, GA	Austin, TX	Difference	Change
🏠Housing	$2,035/mo	$2,885/mo	↑ $850more	41.8%
🚗Transportation	$1,532/mo	$1,284/mo	↓ $248less	16.2%
📦Other	$1,665/mo	$1,741/mo	↑ $75.86more	4.6%
⚡All Utilities	$601/mo	$541/mo	↓ $60.48less	10.1%
🏥Healthcare	$529/mo	$589/mo	↑ $59.60more	11.3%
🛒Groceries	$987/mo	$959/mo	↓ $27.51less	2.8%

🏠Housing

↑ 41.8%

Albany, GA

$2,035

Austin, TX

$2,885

Difference

$850

🚗Transportation

↓ 16.2%

Albany, GA

$1,532

Austin, TX

$1,284

Difference

$248

less

📦Other

↑ 4.6%

Albany, GA

$1,665

Austin, TX

$1,741

Difference

$75.86

⚡All Utilities

↓ 10.1%

Albany, GA

$601

Austin, TX

$541

Difference

$60.48

less

🏥Healthcare

↑ 11.3%

Albany, GA

$529

Austin, TX

$589

Difference

$59.60

🛒Groceries

↓ 2.8%

Albany, GA

$987

Austin, TX

$959

Difference

$27.51

less

🏠Rent Comparison

Studio

From$1,106

To$1,585

↑ $479

1 Bed

From$1,148

To$1,685

↑ $537

2 Bed

From$1,291

To$1,995

↑ $704

3 Bed

From$1,751

To$2,525

↑ $774

Albany, GAZIP-level data

1BR range: $980–$1,190/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/mo

💡 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.

$7,349

Monthly in Albany, GA

$7,998

Monthly in Austin, TX

$649

Difference

Home Values

Albany

Austin

$106K

Median Value

$558K

↓ -7.7%

YoY Change

↓ -5%

↑ +32.8%

5-Year Change

↑ +12.6%

$77K - $135K

Price Range

$272K - $1.26M

Homes in Austin are 427% more expensive than Albany

Calculate payment - Albany Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.5K

Per year

Monthly Difference

$704

More take-home

Effective Rate Diff

5.6%

Rate difference

Albany, GA

Federal Income Tax

Effective: 18.9%

$25.5K

Georgia State Tax

Effective: 5.6%

$8.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.5K

Take-Home Pay

$8,711/month

$104.5K

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

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

Albany, GA Tax Rates

Sales Tax:7.3%

Property Tax:0.9%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.