Is San Antonio, TX cheaper than Annapolis, MD?

Based on cost of living data, San Antonio, TX is 8.9% cheaper than Annapolis, MD. This translates to saving $665 per month.

What salary do I need in San Antonio, TX to live like I do in Annapolis, MD?

If you earn $150,000 in Annapolis, MD, you'd need approximately $142,019.95 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Annapolis, MD and San Antonio, TX?

Housing in San Antonio, TX is 20.6% cheaper than in Annapolis, MD. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,786/month in Annapolis, MD.

How much can I save per month by moving from Annapolis, MD to San Antonio, TX?

Moving from Annapolis, MD to San Antonio, TX could save you approximately $665 per month, or $7980 per year, based on a $150,000 salary.

Annapolis, MD vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Annapolis, MD — ZIP-level rent data · COL adjusted from Baltimore, MD area

Current salary in Annapolis, MD

Numbers update automatically as you type

You'd save $665/month moving to San Antonio, TX

$150.0K in your current city equals $142.0K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from Baltimore-Columbia-Towson, MD area

Overall Cost

↓ 8.9%

Less expensive

Monthly Impact

$665

Savings

Annual Impact

$8.0K

Per year

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

Annapolis, MD

Population:41K

Cost Index:100

Median Home:$595K

San Antonio, TX

Population:1547K

Cost Index:91

Median Home:$215K

Annapolis, MD

The Old Line State

41K

Population

State Tax

Yes

Located in Maryland, this city has a population of 41K residents.

San Antonio, TX

The Lone Star State

1.5M

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 1.5M residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Annapolis, MD vs San Antonio, TX

Category	Annapolis, MD	San Antonio, TX	Difference	Change
🏠Housing	$2,644/mo	$2,100/mo	↓ $544less	20.6%
🛒Groceries	$1,057/mo	$913/mo	↓ $144less	13.6%
⚡All Utilities	$589/mo	$496/mo	↓ $93.08less	15.8%
🏥Healthcare	$571/mo	$527/mo	↓ $44.64less	7.8%
📦Other	$1,608/mo	$1,647/mo	↑ $38.74more	2.4%
🚗Transportation	$1,300/mo	$1,287/mo	↓ $12.89less	1.0%

🏠Housing

↓ 20.6%

Annapolis, MD

$2,644

San Antonio, TX

$2,100

Difference

$544

less

🛒Groceries

↓ 13.6%

Annapolis, MD

$1,057

San Antonio, TX

$913

Difference

$144

less

⚡All Utilities

↓ 15.8%

Annapolis, MD

$589

San Antonio, TX

$496

Difference

$93.08

less

🏥Healthcare

↓ 7.8%

Annapolis, MD

$571

San Antonio, TX

$527

Difference

$44.64

less

📦Other

↑ 2.4%

Annapolis, MD

$1,608

San Antonio, TX

$1,647

Difference

$38.74

🚗Transportation

↓ 1.0%

Annapolis, MD

$1,300

San Antonio, TX

$1,287

Difference

$12.89

less

🏛️ Local Income Taxes

Annapolis, MD: Anne Arundel County Income Tax$3,840/yr (2.6%)

San Antonio, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,313

To$1,110

↓ $203

1 Bed

From$1,449

To$1,210

↓ $239

2 Bed

From$1,786

To$1,470

↓ $316

3 Bed

From$2,266

To$1,890

↓ $376

Annapolis, MDZIP-level data

1BR range: $1,810–$1,810/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/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.

$7,769

Monthly in Annapolis, MD

$6,969

Monthly in San Antonio, TX

$800

Difference

Home Values

Annapolis

San Antonio

$595K

Median Value

$215K

↑ +1.7%

YoY Change

↓ -2.9%

↑ +28.4%

5-Year Change

↑ +16.7%

$595K

Price Range

$107K - $905K

Homes in San Antonio are 64% less expensive than Annapolis

Calculate payment - Annapolis Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.3K

Per year

Monthly Difference

$605

More take-home

Effective Rate Diff

4.8%

Rate difference

Annapolis, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

San Antonio, 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

Annapolis, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

San Antonio, 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.