Is Austin, TX cheaper than Belton, TX?

Based on cost of living data, Austin, TX is 12.0% more expensive than Belton, TX. This translates to spending an extra $898 per month.

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

If you earn $150,000 in Belton, TX, you'd need approximately $160,773.684 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Belton, TX and Austin, TX?

Housing in Austin, TX is 24.4% more expensive than in Belton, TX. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $987/month in Belton, TX.

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

Living in Austin, TX costs approximately $898 more per month than Belton, TX, or $10774 more per year, based on a $150,000 salary.

Belton, TX vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Belton, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Belton, TX

Numbers update automatically as you type

You'd spend $898/month more in Austin, TX

$150.0K in your current city equals $160.8K in Austin, TX

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

Overall Cost

↑ 12.0%

More expensive

Monthly Impact

$898

Extra cost

Annual Impact

$10.8K

Per year

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

Belton, TX

Population:25K

Cost Index:100

Median Home:$301K

Austin, TX

Population:979K

Cost Index:112

Median Home:$558K

Belton, TX

The Lone Star State

25K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 25K residents.

💡 Advantage: Texas has no state income tax!

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: Belton, TX vs Austin, TX

Category	Belton, TX	Austin, TX	Difference	Change
🏠Housing	$2,319/mo	$2,885/mo	↑ $566more	24.4%
📦Other	$1,555/mo	$1,741/mo	↑ $186more	12.0%
🚗Transportation	$1,147/mo	$1,284/mo	↑ $137more	12.0%
🛒Groceries	$907/mo	$959/mo	↑ $52.73more	5.8%
🏥Healthcare	$556/mo	$589/mo	↑ $32.35more	5.8%
⚡All Utilities	$511/mo	$541/mo	↑ $29.73more	5.8%

🏠Housing

↑ 24.4%

Belton, TX

$2,319

Austin, TX

$2,885

Difference

$566

📦Other

↑ 12.0%

Belton, TX

$1,555

Austin, TX

$1,741

Difference

$186

🚗Transportation

↑ 12.0%

Belton, TX

$1,147

Austin, TX

$1,284

Difference

$137

🛒Groceries

↑ 5.8%

Belton, TX

$907

Austin, TX

$959

Difference

$52.73

🏥Healthcare

↑ 5.8%

Belton, TX

$556

Austin, TX

$589

Difference

$32.35

⚡All Utilities

↑ 5.8%

Belton, TX

$511

Austin, TX

$541

Difference

$29.73

🏠Rent Comparison

Studio

From$789

To$1,585

↑ $796

1 Bed

From$789

To$1,685

↑ $896

2 Bed

From$987

To$1,995

↑ $1,008

3 Bed

From$1,366

To$2,525

↑ $1,159

Belton, TXZIP-level data

1BR range: $1,040–$1,040/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.

$6,994

Monthly in Belton, TX

$7,998

Monthly in Austin, TX

$1,004

Difference

Home Values

Belton

Austin

$301K

Median Value

$558K

↓ -2.2%

YoY Change

↓ -5%

↑ +27.8%

5-Year Change

↑ +12.6%

$301K

Price Range

$272K - $1.26M

Homes in Austin are 86% more expensive than Belton

Calculate payment - Belton Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Belton, 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

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

Belton, TX Tax Rates

Sales Tax:8.2%

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.