Chatham, NJ vs Austin, TX: Cost of Living

Which city costs less?

Austin, TX has a modeled overall cost index 3.2% higher than Chatham, NJ.

Chatham, NJ · modeled 2BR rent: $3,190 / month
Austin, TX · modeled 2BR rent: $1,995 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Chatham, NJ and Austin, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Chatham, NJ

Numbers update automatically as you type

Estimated extra cost: $481/month in Austin, TX

$150,000 in your current city has a modeled equivalent of $155,770 in Austin, TX

Regional cost estimates: Chatham, NJ uses Newark, NJ. Austin, TX uses Austin-Round Rock-Georgetown, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 3.2%

More expensive

Monthly Impact

$481

Extra cost

Annual Impact

$5.8K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Chatham, NJ

Population:9K

Cost Index:

99.8

100 = national average

Typical Home:$1.27M

Austin, TX

Population:979K

Cost Index:

103.0

100 = national average

Typical Home:$558K

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Chatham, NJ

The Garden State

Population

State Tax

Yes

Located in New Jersey, this city has a population of 9K 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

Estimated monthly spending: Chatham, NJ vs Austin, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Chatham, NJ	Austin, TX	Difference	Change
Housing	$1,875/mo	$2,878/mo	↑ $1,003more	53.5%
Transportation	$1,473/mo	$1,281/mo	↓ $192less	13.0%
Other	$1,867/mo	$1,737/mo	↓ $130less	6.9%
Groceries	$1,054/mo	$957/mo	↓ $96.91less	9.2%
Healthcare	$660/mo	$587/mo	↓ $72.21less	10.9%
All Utilities	$571/mo	$540/mo	↓ $31.40less	5.5%

Housing

↑ 53.5%

Chatham, NJ

$1,875

Austin, TX

$2,878

Difference

$1,003

Transportation

↓ 13.0%

Chatham, NJ

$1,473

Austin, TX

$1,281

Difference

$192

less

Other

↓ 6.9%

Chatham, NJ

$1,867

Austin, TX

$1,737

Difference

$130

less

Groceries

↓ 9.2%

Chatham, NJ

$1,054

Austin, TX

$957

Difference

$96.91

less

Healthcare

↓ 10.9%

Chatham, NJ

$660

Austin, TX

$587

Difference

$72.21

less

All Utilities

↓ 5.5%

Chatham, NJ

$571

Austin, TX

$540

Difference

$31.40

less

🏠Rent Comparison

Studio

From$2,330

To$1,585

↓ $745

1 Bed

From$2,640

To$1,685

↓ $955

2 Bed

From$3,190

To$1,995

↓ $1,195

3 Bed

From$3,990

To$2,525

↓ $1,465

Chatham, NJZIP-level data

1BR range: $2,640–$2,640/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Chatham, NJ

$7,981

Monthly in Austin, TX

$481

Difference

Home Values

Chatham

Austin

$1.27M

Median Value

$558K

↑ +8.7%

YoY Change

↓ -5%

↑ +43.2%

5-Year Change

↑ +12.6%

$1.27M

Price Range

$272K - $1.26M

Homes in Austin are 56% less expensive than Chatham

Calculate payment - Chatham Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Chatham, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Chatham, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Chatham, NJ: No data yet

Austin, TX

35/100

2.8% sidewalk tags · 5.1% cycling tags

Environment

Chatham

Austin

N/A

Air Quality

52 Moderate

Good Air Days

42.6%

98 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.9°F

2050 Outlook

▲+2.5°F

15 days

Heat Days >95°F

98 days

▲+2.9°F

2050 Outlook

▲+2.5°F

15 days

Heat Days >95°F

98 days

Before moving from Chatham, NJ to Austin, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Austin, TX for the same bedroom count and included utilities as your home in Chatham, NJ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Chatham to Austin moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Austin, TX by cost, housing, population and region.

Frequently Asked Questions: Chatham, NJ vs Austin, TX

How do the cost estimates for Chatham, NJ and Austin, TX compare?

Austin, TX has a modeled overall cost index 3.2% higher than Chatham, NJ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Chatham, NJ, the model estimates $155,770 in Austin, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Chatham, NJ and Austin, TX?

The modeled two-bedroom rents are $3,190/month in Chatham, NJ and $1,995/month in Austin, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between New Jersey and Texas on TaxTakeHome.com