Is Austin, TX cheaper than Celina, TX?

Based on cost of living data, Austin, TX is 1.3% more expensive than Celina, TX. The two cities have very similar living costs.

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

If you earn $150,000 in Celina, TX, you'd need approximately $151,186.643 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 26.1% more expensive than in Celina, TX. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,932/month in Celina, TX.

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

Celina, TX and Austin, TX have very similar costs of living, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Celina, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Celina, TX

Numbers update automatically as you type

You'd spend $98.89/month more in Austin, TX

$150.0K in your current city equals $151.2K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↑ 1.3%

More expensive

Monthly Impact

$98.89

Extra cost

Annual Impact

$1.2K

Per year

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

Celina, TX

Population:43K

Cost Index:100

Median Home:$538K

Austin, TX

Population:979K

Cost Index:101

Median Home:$558K

Celina, TX

The Lone Star State

43K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 43K 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: Celina, TX vs Austin, TX

Category	Celina, TX	Austin, TX	Difference	Change
🏠Housing	$2,288/mo	$2,885/mo	↑ $597more	26.1%
📦Other	$1,846/mo	$1,741/mo	↓ $105less	5.7%
🚗Transportation	$1,245/mo	$1,284/mo	↑ $39.48more	3.2%
🏥Healthcare	$619/mo	$589/mo	↓ $30.30less	4.9%
⚡All Utilities	$551/mo	$541/mo	↓ $10.21less	1.9%
🛒Groceries	$959/mo	$959/mo	↑ $0.27more	0.0%

🏠Housing

↑ 26.1%

Celina, TX

$2,288

Austin, TX

$2,885

Difference

$597

📦Other

↓ 5.7%

Celina, TX

$1,846

Austin, TX

$1,741

Difference

$105

less

🚗Transportation

↑ 3.2%

Celina, TX

$1,245

Austin, TX

$1,284

Difference

$39.48

🏥Healthcare

↓ 4.9%

Celina, TX

$619

Austin, TX

$589

Difference

$30.30

less

⚡All Utilities

↓ 1.9%

Celina, TX

$551

Austin, TX

$541

Difference

$10.21

less

🛒Groceries

↑ 0.0%

Celina, TX

$959

Austin, TX

$959

Difference

$0.27

🏠Rent Comparison

Studio

From$1,581

To$1,585

↑ $4.00

1 Bed

From$1,647

To$1,685

↑ $38.00

2 Bed

From$1,932

To$1,995

↑ $63.00

3 Bed

From$2,429

To$2,525

↑ $96.00

Celina, TXZIP-level data

1BR range: $2,020–$2,020/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.

$7,508

Monthly in Celina, TX

$7,998

Monthly in Austin, TX

$491

Difference

Home Values

Celina

Austin

$538K

Median Value

$558K

↓ -7.5%

YoY Change

↓ -5%

↑ +41.7%

5-Year Change

↑ +12.6%

$538K

Price Range

$272K - $1.26M

Homes in Austin are 4% more expensive than Celina

Calculate payment - Celina 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

Celina, 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

Celina, 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.