Is San Antonio, TX cheaper than Buffalo, NY?

Based on cost of living data, San Antonio, TX is 3.4% cheaper than Buffalo, NY. This translates to saving $257 per month.

What salary do I need in San Antonio, TX to live like I do in Buffalo, NY?

If you earn $150,000 in Buffalo, NY, you'd need approximately $146,911.698 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Buffalo, NY and San Antonio, TX?

Housing in San Antonio, TX is 9.9% more expensive than in Buffalo, NY. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,477/month in Buffalo, NY.

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

Moving from Buffalo, NY to San Antonio, TX could save you approximately $257 per month, or $3088 per year, based on a $150,000 salary.

Buffalo, NY vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Buffalo, NY — ZIP-level rent data · COL adjusted from Cleveland, OH area

Current salary in Buffalo, NY

Numbers update automatically as you type

You'd save $257/month moving to San Antonio, TX

$150.0K in your current city equals $146.9K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from Buffalo-Cheektowaga, NY area

Overall Cost

↓ 3.4%

Less expensive

Monthly Impact

$257

Savings

Annual Impact

$3.1K

Per year

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

Buffalo, NY

Population:275K

Cost Index:100

Median Home:$188K

San Antonio, TX

Population:1547K

Cost Index:97

Median Home:$215K

Buffalo, NY

The Empire State

275K

Population

State Tax

Yes

Located in New York, this city has a population of 275K 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: Buffalo, NY vs San Antonio, TX

Category	Buffalo, NY	San Antonio, TX	Difference	Change
🚗Transportation	$1,570/mo	$1,287/mo	↓ $283less	18.0%
🏠Housing	$1,911/mo	$2,100/mo	↑ $188more	9.9%
📦Other	$1,789/mo	$1,647/mo	↓ $142less	7.9%
🛒Groceries	$1,039/mo	$913/mo	↓ $126less	12.1%
🏥Healthcare	$565/mo	$527/mo	↓ $37.92less	6.7%
⚡All Utilities	$498/mo	$496/mo	↓ $2.30less	0.5%

🚗Transportation

↓ 18.0%

Buffalo, NY

$1,570

San Antonio, TX

$1,287

Difference

$283

less

🏠Housing

↑ 9.9%

Buffalo, NY

$1,911

San Antonio, TX

$2,100

Difference

$188

📦Other

↓ 7.9%

Buffalo, NY

$1,789

San Antonio, TX

$1,647

Difference

$142

less

🛒Groceries

↓ 12.1%

Buffalo, NY

$1,039

San Antonio, TX

$913

Difference

$126

less

🏥Healthcare

↓ 6.7%

Buffalo, NY

$565

San Antonio, TX

$527

Difference

$37.92

less

⚡All Utilities

↓ 0.5%

Buffalo, NY

$498

San Antonio, TX

$496

Difference

$2.30

less

🏠Rent Comparison

Studio

From$1,212

To$1,110

↓ $102

1 Bed

From$1,253

To$1,210

↓ $43.00

2 Bed

From$1,477

To$1,470

↓ $7.00

3 Bed

From$1,804

To$1,890

↑ $86.00

Buffalo, NYZIP-level data

1BR range: $970–$1,620/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.

$7,372

Monthly in Buffalo, NY

$6,969

Monthly in San Antonio, TX

$402

Difference

Home Values

Buffalo

San Antonio

$188K

Median Value

$215K

↑ +2.5%

YoY Change

↓ -2.9%

↑ +37.7%

5-Year Change

↑ +16.7%

$108K - $558K

Price Range

$107K - $905K

Homes in San Antonio are 14% more expensive than Buffalo

Calculate payment - Buffalo Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Buffalo, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Buffalo, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.