Is San Antonio, TX cheaper than Chattanooga, TN?

Based on cost of living data, San Antonio, TX is 4.5% cheaper than Chattanooga, TN. This translates to saving $339 per month.

What salary do I need in San Antonio, TX to live like I do in Chattanooga, TN?

If you earn $150,000 in Chattanooga, TN, you'd need approximately $145,926.804 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Chattanooga, TN and San Antonio, TX?

Housing in San Antonio, TX is 1.1% cheaper than in Chattanooga, TN. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,039/month in Chattanooga, TN.

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

Moving from Chattanooga, TN to San Antonio, TX could save you approximately $339 per month, or $4073 per year, based on a $150,000 salary.

Chattanooga, TN vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Chattanooga, TN — ZIP-level rent data · COL adjusted from Atlanta, GA area

Current salary in Chattanooga, TN

Numbers update automatically as you type

You'd save $339/month moving to San Antonio, TX

$150.0K in your current city equals $145.9K in San Antonio, TX

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

Overall Cost

↓ 4.5%

Less expensive

Monthly Impact

$339

Savings

Annual Impact

$4.1K

Per year

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

Chattanooga, TN

Population:187K

Cost Index:100

Median Home:$357K

San Antonio, TX

Population:1547K

Cost Index:95

Median Home:$215K

Chattanooga, TN

The Volunteer State

187K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 187K residents.

💡 Advantage: Tennessee has no state income tax!

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: Chattanooga, TN vs San Antonio, TX

Category	Chattanooga, TN	San Antonio, TX	Difference	Change
📦Other	$1,731/mo	$1,647/mo	↓ $83.81less	4.8%
⚡All Utilities	$554/mo	$496/mo	↓ $58.81less	10.6%
🏥Healthcare	$558/mo	$527/mo	↓ $31.50less	5.6%
🏠Housing	$2,124/mo	$2,100/mo	↓ $24.32less	1.1%
🚗Transportation	$1,302/mo	$1,287/mo	↓ $15.21less	1.2%
🛒Groceries	$910/mo	$913/mo	↑ $3.67more	0.4%

📦Other

↓ 4.8%

Chattanooga, TN

$1,731

San Antonio, TX

$1,647

Difference

$83.81

less

⚡All Utilities

↓ 10.6%

Chattanooga, TN

$554

San Antonio, TX

$496

Difference

$58.81

less

🏥Healthcare

↓ 5.6%

Chattanooga, TN

$558

San Antonio, TX

$527

Difference

$31.50

less

🏠Housing

↓ 1.1%

Chattanooga, TN

$2,124

San Antonio, TX

$2,100

Difference

$24.32

less

🚗Transportation

↓ 1.2%

Chattanooga, TN

$1,302

San Antonio, TX

$1,287

Difference

$15.21

less

🛒Groceries

↑ 0.4%

Chattanooga, TN

$910

San Antonio, TX

$913

Difference

$3.67

🏠Rent Comparison

Studio

From$902

To$1,110

↑ $208

1 Bed

From$948

To$1,210

↑ $262

2 Bed

From$1,039

To$1,470

↑ $431

3 Bed

From$1,299

To$1,890

↑ $591

Chattanooga, TNZIP-level data

1BR range: $1,000–$1,660/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.

$7,179

Monthly in Chattanooga, TN

$6,969

Monthly in San Antonio, TX

$210

Difference

Home Values

Chattanooga

San Antonio

$357K

Median Value

$215K

↓ -1.2%

YoY Change

↓ -2.9%

↑ +38.2%

5-Year Change

↑ +16.7%

$124K - $462K

Price Range

$107K - $905K

Homes in San Antonio are 40% less expensive than Chattanooga

Calculate payment - Chattanooga Calculate payment - San Antonio

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

Chattanooga, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee 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

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

Chattanooga, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

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.