Is Austin, TX cheaper than Gilroy, CA?

Based on cost of living data, Austin, TX is 45.4% cheaper than Gilroy, CA. This translates to saving $3403 per month.

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

If you earn $150,000 in Gilroy, CA, you'd need approximately $109,168.898 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 64.7% cheaper than in Gilroy, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,193/month in Gilroy, CA.

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

Moving from Gilroy, CA to Austin, TX could save you approximately $3403 per month, or $40831 per year, based on a $150,000 salary.

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

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Gilroy, CA — ZIP-level rent data · COL adjusted from San Jose, CA area

Current salary in Gilroy, CA

Numbers update automatically as you type

You'd save $3.4K/month moving to Austin, TX

$150.0K in your current city equals $109.2K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 45.4%

Less expensive

Monthly Impact

$3,403

Savings

Annual Impact

$40.8K

Per year

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

Gilroy, CA

Population:58K

Cost Index:100

Median Home:$1.04M

Austin, TX

Population:979K

Cost Index:55

Median Home:$558K

Gilroy, CA

The Golden State

58K

Population

State Tax

Yes

Located in California, this city has a population of 58K 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: Gilroy, CA vs Austin, TX

Category	Gilroy, CA	Austin, TX	Difference	Change
🏠Housing	$8,161/mo	$2,885/mo	↓ $5,276less	64.7%
🛒Groceries	$1,094/mo	$959/mo	↓ $134less	12.3%
🏥Healthcare	$684/mo	$589/mo	↓ $95.47less	14.0%
⚡All Utilities	$450/mo	$541/mo	↑ $91.13more	20.3%
🚗Transportation	$1,320/mo	$1,284/mo	↓ $35.68less	2.7%
📦Other	$1,712/mo	$1,741/mo	↑ $29.47more	1.7%

🏠Housing

↓ 64.7%

Gilroy, CA

$8,161

Austin, TX

$2,885

Difference

$5,276

less

🛒Groceries

↓ 12.3%

Gilroy, CA

$1,094

Austin, TX

$959

Difference

$134

less

🏥Healthcare

↓ 14.0%

Gilroy, CA

$684

Austin, TX

$589

Difference

$95.47

less

⚡All Utilities

↑ 20.3%

Gilroy, CA

$450

Austin, TX

$541

Difference

$91.13

🚗Transportation

↓ 2.7%

Gilroy, CA

$1,320

Austin, TX

$1,284

Difference

$35.68

less

📦Other

↑ 1.7%

Gilroy, CA

$1,712

Austin, TX

$1,741

Difference

$29.47

🏠Rent Comparison

Studio

From$1,650

To$1,585

↓ $65.00

1 Bed

From$1,874

To$1,685

↓ $189

2 Bed

From$2,193

To$1,995

↓ $198

3 Bed

From$2,894

To$2,525

↓ $369

Gilroy, CAZIP-level data

1BR range: $2,350–$2,350/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.

$13,420

Monthly in Gilroy, CA

$7,998

Monthly in Austin, TX

$5,421

Difference

Home Values

Gilroy

Austin

$1.04M

Median Value

$558K

↓ -3%

YoY Change

↓ -5%

↑ +24.8%

5-Year Change

↑ +12.6%

$1.04M

Price Range

$272K - $1.26M

Homes in Austin are 46% less expensive than Gilroy

Calculate payment - Gilroy 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

Gilroy, 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

Gilroy, 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.