Is Austin, TX cheaper than Beloit, WI?

Based on cost of living data, Austin, TX is 4.0% more expensive than Beloit, WI. This translates to spending an extra $299 per month.

What salary do I need in Austin, TX to live like I do in Beloit, WI?

If you earn $150,000 in Beloit, WI, you'd need approximately $153,582.87 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Beloit, WI and Austin, TX?

Housing in Austin, TX is 23.3% more expensive than in Beloit, WI. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,123/month in Beloit, WI.

How much can I save per month by moving from Beloit, WI to Austin, TX?

Living in Austin, TX costs approximately $299 more per month than Beloit, WI, or $3583 more per year, based on a $150,000 salary.

Beloit, WI vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Beloit, WI — COL adjusted from Madison, WI area + state data

Current salary in Beloit, WI

Numbers update automatically as you type

You'd spend $299/month more in Austin, TX

$150.0K in your current city equals $153.6K in Austin, TX

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

Overall Cost

↑ 4.0%

More expensive

Monthly Impact

$299

Extra cost

Annual Impact

$3.6K

Per year

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

Beloit, WI

Population:36K

Cost Index:100

Median Home:$427K

Austin, TX

Population:979K

Cost Index:104

Median Home:$558K

Beloit, WI

The Badger State

36K

Population

State Tax

Yes

Located in Wisconsin, this city has a population of 36K 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: Beloit, WI vs Austin, TX

Category	Beloit, WI	Austin, TX	Difference	Change
🏠Housing	$2,339/mo	$2,885/mo	↑ $546more	23.3%
🏥Healthcare	$698/mo	$589/mo	↓ $109less	15.7%
📦Other	$1,690/mo	$1,741/mo	↑ $51.17more	3.0%
⚡All Utilities	$494/mo	$541/mo	↑ $47.38more	9.6%
🚗Transportation	$1,327/mo	$1,284/mo	↓ $43.30less	3.3%
🛒Groceries	$932/mo	$959/mo	↑ $27.55more	3.0%

🏠Housing

↑ 23.3%

Beloit, WI

$2,339

Austin, TX

$2,885

Difference

$546

🏥Healthcare

↓ 15.7%

Beloit, WI

$698

Austin, TX

$589

Difference

$109

less

📦Other

↑ 3.0%

Beloit, WI

$1,690

Austin, TX

$1,741

Difference

$51.17

⚡All Utilities

↑ 9.6%

Beloit, WI

$494

Austin, TX

$541

Difference

$47.38

🚗Transportation

↓ 3.3%

Beloit, WI

$1,327

Austin, TX

$1,284

Difference

$43.30

less

🛒Groceries

↑ 3.0%

Beloit, WI

$932

Austin, TX

$959

Difference

$27.55

🏠Rent Comparison

Studio

From$762

To$1,585

↑ $823

1 Bed

From$882

To$1,685

↑ $803

2 Bed

From$1,123

To$1,995

↑ $872

3 Bed

From$1,524

To$2,525

↑ $1,001

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.

$7,479

Monthly in Beloit, WI

$7,998

Monthly in Austin, TX

$519

Difference

Home Values

Beloit

Austin

Median Value

$558K

YoY Change

↓ -5%

5-Year Change

↑ +12.6%

Price Range

$272K - $1.26M

Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.8K

Per year

Monthly Difference

$737

More take-home

Effective Rate Diff

5.9%

Rate difference

Beloit, WI

Federal Income Tax

Effective: 18.9%

$25.5K

Wisconsin State Tax

Effective: 5.9%

$8.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,678/month

$104.1K

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

Beloit, WI Tax Rates

Sales Tax:5.6%

Property Tax:1.8%

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.