Is Austin, TX cheaper than Fredericksburg, VA?

Based on cost of living data, Austin, TX is 18.8% cheaper than Fredericksburg, VA. This translates to saving $1407 per month.

What salary do I need in Austin, TX to live like I do in Fredericksburg, VA?

If you earn $150,000 in Fredericksburg, VA, you'd need approximately $133,119.434 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Fredericksburg, VA and Austin, TX?

Housing in Austin, TX is 38.1% cheaper than in Fredericksburg, VA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,418/month in Fredericksburg, VA.

How much can I save per month by moving from Fredericksburg, VA to Austin, TX?

Moving from Fredericksburg, VA to Austin, TX could save you approximately $1407 per month, or $16881 per year, based on a $150,000 salary.

Fredericksburg, VA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Fredericksburg, VA — ZIP-level rent data · COL adjusted from Washington, DC area

Current salary in Fredericksburg, VA

Numbers update automatically as you type

You'd save $1.4K/month moving to Austin, TX

$150.0K in your current city equals $133.1K in Austin, TX

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

Overall Cost

↓ 18.8%

Less expensive

Monthly Impact

$1,407

Savings

Annual Impact

$16.9K

Per year

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

Fredericksburg, VA

Population:29K

Cost Index:100

Median Home:$456K

Austin, TX

Population:979K

Cost Index:81

Median Home:$558K

Fredericksburg, VA

The Old Dominion State

29K

Population

State Tax

Yes

Located in Virginia, this city has a population of 29K 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: Fredericksburg, VA vs Austin, TX

Category	Fredericksburg, VA	Austin, TX	Difference	Change
🏠Housing	$4,662/mo	$2,885/mo	↓ $1,778less	38.1%
🚗Transportation	$1,572/mo	$1,284/mo	↓ $288less	18.3%
📦Other	$1,522/mo	$1,741/mo	↑ $219more	14.4%
⚡All Utilities	$464/mo	$541/mo	↑ $76.86more	16.6%
🛒Groceries	$986/mo	$959/mo	↓ $26.32less	2.7%
🏥Healthcare	$577/mo	$589/mo	↑ $11.44more	2.0%

🏠Housing

↓ 38.1%

Fredericksburg, VA

$4,662

Austin, TX

$2,885

Difference

$1,778

less

🚗Transportation

↓ 18.3%

Fredericksburg, VA

$1,572

Austin, TX

$1,284

Difference

$288

less

📦Other

↑ 14.4%

Fredericksburg, VA

$1,522

Austin, TX

$1,741

Difference

$219

⚡All Utilities

↑ 16.6%

Fredericksburg, VA

$464

Austin, TX

$541

Difference

$76.86

🛒Groceries

↓ 2.7%

Fredericksburg, VA

$986

Austin, TX

$959

Difference

$26.32

less

🏥Healthcare

↑ 2.0%

Fredericksburg, VA

$577

Austin, TX

$589

Difference

$11.44

🏠Rent Comparison

Studio

From$1,234

To$1,585

↑ $351

1 Bed

From$1,273

To$1,685

↑ $412

2 Bed

From$1,418

To$1,995

↑ $577

3 Bed

From$1,790

To$2,525

↑ $735

Fredericksburg, VAZIP-level data

1BR range: $1,570–$1,830/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.

$9,783

Monthly in Fredericksburg, VA

$7,998

Monthly in Austin, TX

$1,785

Difference

Home Values

Fredericksburg

Austin

$456K

Median Value

$558K

↑ +0.9%

YoY Change

↓ -5%

↑ +33%

5-Year Change

↑ +12.6%

$440K - $564K

Price Range

$272K - $1.26M

Homes in Austin are 23% more expensive than Fredericksburg

Calculate payment - Fredericksburg Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.4K

Per year

Monthly Difference

$697

More take-home

Effective Rate Diff

5.6%

Rate difference

Fredericksburg, VA

Federal Income Tax

Effective: 18.9%

$25.5K

Virginia State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,718/month

$104.6K

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

Fredericksburg, VA Tax Rates

Sales Tax:5.7%

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.