Is Austin, TX cheaper than Atlantic City, NJ?

Based on cost of living data, Austin, TX is 12.9% more expensive than Atlantic City, NJ. This translates to spending an extra $970 per month.

What salary do I need in Austin, TX to live like I do in Atlantic City, NJ?

If you earn $150,000 in Atlantic City, NJ, you'd need approximately $161,644.71 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Atlantic City, NJ and Austin, TX?

Housing in Austin, TX is 53.8% more expensive than in Atlantic City, NJ. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,241/month in Atlantic City, NJ.

How much can I save per month by moving from Atlantic City, NJ to Austin, TX?

Living in Austin, TX costs approximately $970 more per month than Atlantic City, NJ, or $11645 more per year, based on a $150,000 salary.

Atlantic City, NJ vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Atlantic City, NJ — ZIP-level rent data · COL adjusted from Philadelphia, PA area

Current salary in Atlantic City, NJ

Numbers update automatically as you type

You'd spend $970/month more in Austin, TX

$150.0K in your current city equals $161.6K in Austin, TX

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

Overall Cost

↑ 12.9%

More expensive

Monthly Impact

$970

Extra cost

Annual Impact

$11.6K

Per year

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

Atlantic City, NJ

Population:38K

Cost Index:100

Median Home:$216K

Austin, TX

Population:979K

Cost Index:113

Median Home:$558K

Atlantic City, NJ

The Garden State

38K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 38K 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: Atlantic City, NJ vs Austin, TX

Category	Atlantic City, NJ	Austin, TX	Difference	Change
🏠Housing	$1,876/mo	$2,885/mo	↑ $1,009more	53.8%
📦Other	$1,599/mo	$1,741/mo	↑ $142more	8.9%
🛒Groceries	$1,048/mo	$959/mo	↓ $88.92less	8.5%
⚡All Utilities	$576/mo	$541/mo	↓ $34.82less	6.0%
🏥Healthcare	$576/mo	$589/mo	↑ $12.19more	2.1%
🚗Transportation	$1,280/mo	$1,284/mo	↑ $3.78more	0.3%

🏠Housing

↑ 53.8%

Atlantic City, NJ

$1,876

Austin, TX

$2,885

Difference

$1,009

📦Other

↑ 8.9%

Atlantic City, NJ

$1,599

Austin, TX

$1,741

Difference

$142

🛒Groceries

↓ 8.5%

Atlantic City, NJ

$1,048

Austin, TX

$959

Difference

$88.92

less

⚡All Utilities

↓ 6.0%

Atlantic City, NJ

$576

Austin, TX

$541

Difference

$34.82

less

🏥Healthcare

↑ 2.1%

Atlantic City, NJ

$576

Austin, TX

$589

Difference

$12.19

🚗Transportation

↑ 0.3%

Atlantic City, NJ

$1,280

Austin, TX

$1,284

Difference

$3.78

🏠Rent Comparison

Studio

From$896

To$1,585

↑ $689

1 Bed

From$1,019

To$1,685

↑ $666

2 Bed

From$1,241

To$1,995

↑ $754

3 Bed

From$1,716

To$2,525

↑ $809

Atlantic City, NJZIP-level data

1BR range: $1,330–$1,330/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.

$6,956

Monthly in Atlantic City, NJ

$7,998

Monthly in Austin, TX

$1,043

Difference

Home Values

Atlantic City

Austin

$216K

Median Value

$558K

↑ +0.5%

YoY Change

↓ -5%

↑ +67.3%

5-Year Change

↑ +12.6%

$216K

Price Range

$272K - $1.26M

Homes in Austin are 158% more expensive than Atlantic City

Calculate payment - Atlantic City Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Atlantic City, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Atlantic City, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.