Is San Antonio, TX cheaper than Ellicott City, MD?

Based on cost of living data, San Antonio, TX is 10.2% cheaper than Ellicott City, MD. This translates to saving $762 per month.

What salary do I need in San Antonio, TX to live like I do in Ellicott City, MD?

If you earn $150,000 in Ellicott City, MD, you'd need approximately $140,850.563 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Ellicott City, MD and San Antonio, TX?

Housing in San Antonio, TX is 21.7% cheaper than in Ellicott City, MD. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,340/month in Ellicott City, MD.

How much can I save per month by moving from Ellicott City, MD to San Antonio, TX?

Moving from Ellicott City, MD to San Antonio, TX could save you approximately $762 per month, or $9149 per year, based on a $150,000 salary.

Ellicott City, MD vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Ellicott City, MD — COL adjusted from Baltimore, MD area + state data

Current salary in Ellicott City, MD

Numbers update automatically as you type

You'd save $762/month moving to San Antonio, TX

$150.0K in your current city equals $140.9K in San Antonio, TX

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

Overall Cost

↓ 10.2%

Less expensive

Monthly Impact

$762

Savings

Annual Impact

$9.1K

Per year

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

Ellicott City, MD

Population:76K

Cost Index:100

Median Home:$218K

San Antonio, TX

Population:1547K

Cost Index:90

Median Home:$215K

Ellicott City, MD

The Old Line State

76K

Population

State Tax

Yes

Located in Maryland, this city has a population of 76K residents.

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: Ellicott City, MD vs San Antonio, TX

Category	Ellicott City, MD	San Antonio, TX	Difference	Change
🏠Housing	$2,682/mo	$2,100/mo	↓ $582less	21.7%
🛒Groceries	$1,065/mo	$913/mo	↓ $151less	14.2%
⚡All Utilities	$593/mo	$496/mo	↓ $97.32less	16.4%
🏥Healthcare	$575/mo	$527/mo	↓ $48.75less	8.5%
🚗Transportation	$1,318/mo	$1,287/mo	↓ $31.69less	2.4%
📦Other	$1,632/mo	$1,647/mo	↑ $15.48more	0.9%

🏠Housing

↓ 21.7%

Ellicott City, MD

$2,682

San Antonio, TX

$2,100

Difference

$582

less

🛒Groceries

↓ 14.2%

Ellicott City, MD

$1,065

San Antonio, TX

$913

Difference

$151

less

⚡All Utilities

↓ 16.4%

Ellicott City, MD

$593

San Antonio, TX

$496

Difference

$97.32

less

🏥Healthcare

↓ 8.5%

Ellicott City, MD

$575

San Antonio, TX

$527

Difference

$48.75

less

🚗Transportation

↓ 2.4%

Ellicott City, MD

$1,318

San Antonio, TX

$1,287

Difference

$31.69

less

📦Other

↑ 0.9%

Ellicott City, MD

$1,632

San Antonio, TX

$1,647

Difference

$15.48

🏠Rent Comparison

Studio

From$934

To$1,110

↑ $176

1 Bed

From$1,097

To$1,210

↑ $113

2 Bed

From$1,340

To$1,470

↑ $130

3 Bed

From$1,787

To$1,890

↑ $103

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.

$7,865

Monthly in Ellicott City, MD

$6,969

Monthly in San Antonio, TX

$896

Difference

Home Values

Ellicott City

San Antonio

Median Value

$215K

YoY Change

↓ -2.9%

5-Year Change

↑ +16.7%

Price Range

$107K - $905K

Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.3K

Per year

Monthly Difference

$605

More take-home

Effective Rate Diff

4.8%

Rate difference

Ellicott City, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

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

Ellicott City, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

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.