Is Austin, TX cheaper than Boca Raton, FL?

Based on cost of living data, Austin, TX is 5.0% cheaper than Boca Raton, FL. This translates to saving $374 per month.

What salary do I need in Austin, TX to live like I do in Boca Raton, FL?

If you earn $150,000 in Boca Raton, FL, you'd need approximately $145,506.386 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Boca Raton, FL and Austin, TX?

Housing in Austin, TX is 1.9% more expensive than in Boca Raton, FL. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,398/month in Boca Raton, FL.

How much can I save per month by moving from Boca Raton, FL to Austin, TX?

Moving from Boca Raton, FL to Austin, TX could save you approximately $374 per month, or $4494 per year, based on a $150,000 salary.

Boca Raton, FL vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Boca Raton, FL — ZIP-level rent data · COL adjusted from Hialeah, FL area

Current salary in Boca Raton, FL

Numbers update automatically as you type

You'd save $374/month moving to Austin, TX

$150.0K in your current city equals $145.5K in Austin, TX

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

Overall Cost

↓ 5.0%

Less expensive

Monthly Impact

$374

Savings

Annual Impact

$4.5K

Per year

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

Boca Raton, FL

Population:100K

Cost Index:100

Median Home:$669K

Austin, TX

Population:979K

Cost Index:95

Median Home:$558K

Boca Raton, FL

The Sunshine State

100K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 100K residents.

💡 Advantage: Florida 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: Boca Raton, FL vs Austin, TX

Category	Boca Raton, FL	Austin, TX	Difference	Change
🚗Transportation	$1,415/mo	$1,284/mo	↓ $131less	9.2%
📦Other	$1,863/mo	$1,741/mo	↓ $122less	6.6%
🛒Groceries	$1,062/mo	$959/mo	↓ $102less	9.7%
🏠Housing	$2,830/mo	$2,885/mo	↑ $54.65more	1.9%
⚡All Utilities	$511/mo	$541/mo	↑ $30.24more	5.9%
🏥Healthcare	$579/mo	$589/mo	↑ $9.50more	1.6%

🚗Transportation

↓ 9.2%

Boca Raton, FL

$1,415

Austin, TX

$1,284

Difference

$131

less

📦Other

↓ 6.6%

Boca Raton, FL

$1,863

Austin, TX

$1,741

Difference

$122

less

🛒Groceries

↓ 9.7%

Boca Raton, FL

$1,062

Austin, TX

$959

Difference

$102

less

🏠Housing

↑ 1.9%

Boca Raton, FL

$2,830

Austin, TX

$2,885

Difference

$54.65

⚡All Utilities

↑ 5.9%

Boca Raton, FL

$511

Austin, TX

$541

Difference

$30.24

🏥Healthcare

↑ 1.6%

Boca Raton, FL

$579

Austin, TX

$589

Difference

$9.50

🏠Rent Comparison

Studio

From$1,868

To$1,585

↓ $283

1 Bed

From$2,012

To$1,685

↓ $327

2 Bed

From$2,398

To$1,995

↓ $403

3 Bed

From$3,118

To$2,525

↓ $593

Boca Raton, FLZIP-level data

1BR range: $1,610–$2,710/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.

$8,260

Monthly in Boca Raton, FL

$7,998

Monthly in Austin, TX

$261

Difference

Home Values

Boca Raton

Austin

$669K

Median Value

$558K

↓ -3.3%

YoY Change

↓ -5%

↑ +43%

5-Year Change

↑ +12.6%

$231K - $1.01M

Price Range

$272K - $1.26M

Homes in Austin are 17% less expensive than Boca Raton

Calculate payment - Boca Raton 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

Boca Raton, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Boca Raton, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.