Is San Antonio, TX cheaper than Baltimore, MD?

Based on cost of living data, San Antonio, TX is 14.2% cheaper than Baltimore, MD. This translates to saving $1061 per month.

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

If you earn $150,000 in Baltimore, MD, you'd need approximately $137,264.151 in San Antonio, TX to maintain the same standard of living.

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

Housing in San Antonio, TX is 32.7% cheaper than in Baltimore, MD. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,770/month in Baltimore, MD.

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

Moving from Baltimore, MD to San Antonio, TX could save you approximately $1061 per month, or $12736 per year, based on a $150,000 salary.

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

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

Current salary in Baltimore, MD

Numbers update automatically as you type

You'd save $1.1K/month moving to San Antonio, TX

$150.0K in your current city equals $137.3K in San Antonio, TX

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

Overall Cost

↓ 14.2%

Less expensive

Monthly Impact

$1,061

Savings

Annual Impact

$12.7K

Per year

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

Baltimore, MD

Population:586K

Cost Index:100

Median Home:$218K

San Antonio, TX

Population:1547K

Cost Index:86

Median Home:$215K

Baltimore, MD

The Old Line State

586K

Population

State Tax

Yes

Located in Maryland, this city has a population of 586K 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: Baltimore, MD vs San Antonio, TX

Category	Baltimore, MD	San Antonio, TX	Difference	Change
🏠Housing	$3,118/mo	$2,100/mo	↓ $1,019less	32.7%
🛒Groceries	$1,089/mo	$913/mo	↓ $176less	16.1%
⚡All Utilities	$607/mo	$496/mo	↓ $111less	18.3%
🚗Transportation	$1,380/mo	$1,287/mo	↓ $92.89less	6.7%
🏥Healthcare	$589/mo	$527/mo	↓ $61.96less	10.5%
📦Other	$1,707/mo	$1,647/mo	↓ $60.26less	3.5%

🏠Housing

↓ 32.7%

Baltimore, MD

$3,118

San Antonio, TX

$2,100

Difference

$1,019

less

🛒Groceries

↓ 16.1%

Baltimore, MD

$1,089

San Antonio, TX

$913

Difference

$176

less

⚡All Utilities

↓ 18.3%

Baltimore, MD

$607

San Antonio, TX

$496

Difference

$111

less

🚗Transportation

↓ 6.7%

Baltimore, MD

$1,380

San Antonio, TX

$1,287

Difference

$92.89

less

🏥Healthcare

↓ 10.5%

Baltimore, MD

$589

San Antonio, TX

$527

Difference

$61.96

less

📦Other

↓ 3.5%

Baltimore, MD

$1,707

San Antonio, TX

$1,647

Difference

$60.26

less

🏛️ Local Income Taxes

Baltimore, MD: Baltimore City Income Tax$4,800/yr (3.2%)

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$1,270

To$1,110

↓ $160

1 Bed

From$1,450

To$1,210

↓ $240

2 Bed

From$1,770

To$1,470

↓ $300

3 Bed

From$2,280

To$1,890

↓ $390

Baltimore, MDZIP-level data

1BR range: $1,450–$1,790/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.

$8,490

Monthly in Baltimore, MD

$6,969

Monthly in San Antonio, TX

$1,521

Difference

Home Values

Baltimore

San Antonio

$218K

Median Value

$215K

↓ -0.6%

YoY Change

↓ -2.9%

↑ +20%

5-Year Change

↑ +16.7%

$72K - $469K

Price Range

$107K - $905K

Homes in San Antonio are 1% less expensive than Baltimore

Calculate payment - Baltimore 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

Baltimore, 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

Baltimore, 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.