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Cost of Living Comparison 2026

Moving from the Mile High City to the Alamo City? You're not alone. San Antonio's appeal, from military bases to affordable living, is drawing residents away from Denver's higher costs.

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $1.3K/month moving to San Antonio, TX

$150.0K in your current city equals $134.5K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area
Overall Cost
17.3%
Less expensive
Monthly Impact
$1,295
Savings
Annual Impact
$15.5K
Per year

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

Denver, CO

Population:716K
Cost Index:
100
100 = national average
Median Home:$513K

San Antonio, TX

Population:1547K
Cost Index:
83
(17% below avg)
Median Home:$215K

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • Mile-high city (5,280 ft)
  • Outdoor recreation hub
  • Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

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: Denver, CO vs San Antonio, TX

Housing
35.4%
Denver, CO
$3,248
San Antonio, TX
$2,100
Difference
$1,149
less
Transportation
12.0%
Denver, CO
$1,462
San Antonio, TX
$1,287
Difference
$175
less
Other
7.2%
Denver, CO
$1,774
San Antonio, TX
$1,647
Difference
$127
less
Groceries
11.3%
Denver, CO
$1,029
San Antonio, TX
$913
Difference
$116
less
Healthcare
16.7%
Denver, CO
$632
San Antonio, TX
$527
Difference
$105
less
All Utilities
4.5%
Denver, CO
$519
San Antonio, TX
$496
Difference
$23.50
less

🏛️ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

San Antonio, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$1,720
To$1,110
$610
1 Bed
From$1,840
To$1,210
$630
2 Bed
From$2,190
To$1,470
$720
3 Bed
From$2,870
To$1,890
$980
Denver, COZIP-level data

1BR range: $1,620$2,540/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.

$8,665
Monthly in Denver, CO
$6,969
Monthly in San Antonio, TX
$1,695
Difference

Home Values

Denver
San Antonio
$513K
Median Value
$215K
↓ -4.2%
YoY Change
↓ -2.9%
↑ +13%
5-Year Change
↑ +16.7%
$352K - $933K
Price Range
$107K - $905K

Homes in San Antonio are 58% less expensive than Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$6.6K
Per year
Monthly Difference
$550
More take-home
Effective Rate Diff
4.4%
Rate difference

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

San Antonio, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
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

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

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.

Environment

Denver
San Antonio
55 Moderate
Air Quality
52 Moderate
35.2%
Good Air Days
47.5%
95 High
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🌪
+3.3°F
2050 Outlook
+2.6°F
28 days
Heat Days >95°F
105 days
+3.3°F
2050 Outlook
+2.6°F
28 days
Heat Days >95°F
105 days

What to Consider When Moving from Denver, CO to San Antonio, TX

Relocating from Denver, CO to San Antonio, TX involves more than just comparing rent prices. While the overall cost of living is about 17% lower in San Antonio, TX, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in San Antonio, TX is 35% cheaper than in Denver, CO. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in San Antonio, TX pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in San Antonio, TX to match your current standard of living in Denver, CO.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit San Antonio, TX for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Denver, CO vs San Antonio, TX

Is San Antonio, TX cheaper than Denver, CO?

Yes, San Antonio, TX is about 17.3% cheaper than Denver, CO. You could save approximately $1,295/month on a $150,000 salary. Housing costs are 35% lower in San Antonio, TX.

What salary do I need in San Antonio, TX to match my lifestyle in Denver, CO?

If you currently earn $150,000 in Denver, CO, you would need approximately $134,455 in San Antonio, TX to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Denver, CO and San Antonio, TX?

A two-bedroom apartment averages $2,190/month in Denver, CO compared to $1,470/month in San Antonio, TX. One-bedroom apartments are $1,840/month in Denver, CO vs $1,210/month in San Antonio, TX. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Denver, CO or San Antonio, TX?

Groceries are about 11% cheaper in San Antonio, TX than in Denver, CO, saving a typical household roughly $116/month on food.

What is the best time to move from Denver, CO to San Antonio, TX?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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