Is Austin, TX cheaper than Concord, CA?

Based on cost of living data, Austin, TX is 35.8% cheaper than Concord, CA. This translates to saving $2684 per month.

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

If you earn $150,000 in Concord, CA, you'd need approximately $117,790.147 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Concord, CA and Austin, TX?

Housing in Austin, TX is 51.9% cheaper than in Concord, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,405/month in Concord, CA.

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

Moving from Concord, CA to Austin, TX could save you approximately $2684 per month, or $32210 per year, based on a $150,000 salary.

Concord, CA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Concord, CA — ZIP-level rent data · COL adjusted from Oakland, CA area

Current salary in Concord, CA

Numbers update automatically as you type

You'd save $2.7K/month moving to Austin, TX

$150.0K in your current city equals $117.8K in Austin, TX

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

Overall Cost

↓ 35.8%

Less expensive

Monthly Impact

$2,684

Savings

Annual Impact

$32.2K

Per year

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

Concord, CA

Population:122K

Cost Index:100

Median Home:$727K

Austin, TX

Population:979K

Cost Index:64

Median Home:$558K

Concord, CA

The Golden State

122K

Population

State Tax

Yes

Located in California, this city has a population of 122K 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

Annual spending: Concord, CA vs Austin, TX

Category	Concord, CA	Austin, TX	Difference	Change
🏠Housing	$6,003/mo	$2,885/mo	↓ $3,118less	51.9%
🚗Transportation	$2,098/mo	$1,284/mo	↓ $814less	38.8%
🛒Groceries	$1,143/mo	$959/mo	↓ $184less	16.1%
🏥Healthcare	$696/mo	$589/mo	↓ $108less	15.5%
⚡All Utilities	$442/mo	$541/mo	↑ $99.17more	22.4%
📦Other	$1,823/mo	$1,741/mo	↓ $81.74less	4.5%

🏠Housing

↓ 51.9%

Concord, CA

$6,003

Austin, TX

$2,885

Difference

$3,118

less

🚗Transportation

↓ 38.8%

Concord, CA

$2,098

Austin, TX

$1,284

Difference

$814

less

🛒Groceries

↓ 16.1%

Concord, CA

$1,143

Austin, TX

$959

Difference

$184

less

🏥Healthcare

↓ 15.5%

Concord, CA

$696

Austin, TX

$589

Difference

$108

less

⚡All Utilities

↑ 22.4%

Concord, CA

$442

Austin, TX

$541

Difference

$99.17

📦Other

↓ 4.5%

Concord, CA

$1,823

Austin, TX

$1,741

Difference

$81.74

less

🏠Rent Comparison

Studio

From$1,768

To$1,585

↓ $183

1 Bed

From$1,971

To$1,685

↓ $286

2 Bed

From$2,405

To$1,995

↓ $410

3 Bed

From$3,074

To$2,525

↓ $549

Concord, CAZIP-level data

1BR range: $2,190–$2,430/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.

$12,205

Monthly in Concord, CA

$7,998

Monthly in Austin, TX

$4,206

Difference

Home Values

Concord

Austin

$727K

Median Value

$558K

↓ -4.4%

YoY Change

↓ -5%

↑ +10.1%

5-Year Change

↑ +12.6%

$584K - $830K

Price Range

$272K - $1.26M

Homes in Austin are 23% less expensive than Concord

Calculate payment - Concord Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

Concord, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Concord, CA Tax Rates

Sales Tax:10.5%

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.