Is Austin, TX cheaper than Hammond, IN?

Based on cost of living data, Austin, TX is 3.3% more expensive than Hammond, IN. This translates to spending an extra $249 per month.

What salary do I need in Austin, TX to live like I do in Hammond, IN?

If you earn $150,000 in Hammond, IN, you'd need approximately $152,992.701 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Hammond, IN and Austin, TX?

Housing in Austin, TX is 13.3% more expensive than in Hammond, IN. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,035/month in Hammond, IN.

How much can I save per month by moving from Hammond, IN to Austin, TX?

Living in Austin, TX costs approximately $249 more per month than Hammond, IN, or $2993 more per year, based on a $150,000 salary.

Hammond, IN vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Hammond, IN — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Hammond, IN

Numbers update automatically as you type

You'd spend $249/month more in Austin, TX

$150.0K in your current city equals $153.0K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↑ 3.3%

More expensive

Monthly Impact

$249

Extra cost

Annual Impact

$3.0K

Per year

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

Hammond, IN

Population:76K

Cost Index:100

Median Home:$163K

Austin, TX

Population:979K

Cost Index:103

Median Home:$558K

Hammond, IN

The Hoosier State

76K

Population

State Tax

Yes

Located in Indiana, this city has a population of 76K 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: Hammond, IN vs Austin, TX

Category	Hammond, IN	Austin, TX	Difference	Change
🏠Housing	$2,545/mo	$2,885/mo	↑ $340more	13.3%
🚗Transportation	$1,549/mo	$1,284/mo	↓ $265less	17.1%
📦Other	$1,621/mo	$1,741/mo	↑ $120more	7.4%
⚡All Utilities	$498/mo	$541/mo	↑ $42.47more	8.5%
🛒Groceries	$988/mo	$959/mo	↓ $29.08less	2.9%
🏥Healthcare	$571/mo	$589/mo	↑ $17.42more	3.1%

🏠Housing

↑ 13.3%

Hammond, IN

$2,545

Austin, TX

$2,885

Difference

$340

🚗Transportation

↓ 17.1%

Hammond, IN

$1,549

Austin, TX

$1,284

Difference

$265

less

📦Other

↑ 7.4%

Hammond, IN

$1,621

Austin, TX

$1,741

Difference

$120

⚡All Utilities

↑ 8.5%

Hammond, IN

$498

Austin, TX

$541

Difference

$42.47

🛒Groceries

↓ 2.9%

Hammond, IN

$988

Austin, TX

$959

Difference

$29.08

less

🏥Healthcare

↑ 3.1%

Hammond, IN

$571

Austin, TX

$589

Difference

$17.42

🏛️ Local Income Taxes

Hammond, IN: Lake County Income Tax$2,250/yr (1.5%)

Austin, 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$752

To$1,585

↑ $833

1 Bed

From$850

To$1,685

↑ $835

2 Bed

From$1,035

To$1,995

↑ $960

3 Bed

From$1,266

To$2,525

↑ $1,259

Hammond, INZIP-level data

1BR range: $930–$1,170/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.

$7,773

Monthly in Hammond, IN

$7,998

Monthly in Austin, TX

$225

Difference

Home Values

Hammond

Austin

$163K

Median Value

$558K

↑ +1.1%

YoY Change

↓ -5%

↑ +46.8%

5-Year Change

↑ +12.6%

$131K - $178K

Price Range

$272K - $1.26M

Homes in Austin are 243% more expensive than Hammond

Calculate payment - Hammond Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.8K

Per year

Monthly Difference

$404

More take-home

Effective Rate Diff

3.2%

Rate difference

Hammond, IN

Federal Income Tax

Effective: 18.9%

$25.5K

Indiana State Tax

Effective: 3.2%

$4.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.9%

$41.9K

Take-Home Pay

$9,012/month

$108.1K

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

Hammond, IN Tax Rates

Sales Tax:7.0%

Property Tax:0.9%

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.