Is Austin, TX cheaper than Haverhill, MA?

Based on cost of living data, Austin, TX is 25.6% cheaper than Haverhill, MA. This translates to saving $1920 per month.

What salary do I need in Austin, TX to live like I do in Haverhill, MA?

If you earn $150,000 in Haverhill, MA, you'd need approximately $126,957.746 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Haverhill, MA and Austin, TX?

Housing in Austin, TX is 34.6% cheaper than in Haverhill, MA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,757/month in Haverhill, MA.

How much can I save per month by moving from Haverhill, MA to Austin, TX?

Moving from Haverhill, MA to Austin, TX could save you approximately $1920 per month, or $23042 per year, based on a $150,000 salary.

Haverhill, MA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Haverhill, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Haverhill, MA

Numbers update automatically as you type

You'd save $1.9K/month moving to Austin, TX

$150.0K in your current city equals $127.0K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 25.6%

Less expensive

Monthly Impact

$1,920

Savings

Annual Impact

$23.0K

Per year

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

Haverhill, MA

Population:67K

Cost Index:100

Median Home:$522K

Austin, TX

Population:979K

Cost Index:74

Median Home:$558K

Haverhill, MA

The Bay State

67K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 67K 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: Haverhill, MA vs Austin, TX

Category	Haverhill, MA	Austin, TX	Difference	Change
🏠Housing	$4,412/mo	$2,885/mo	↓ $1,527less	34.6%
🚗Transportation	$1,701/mo	$1,284/mo	↓ $417less	24.5%
⚡All Utilities	$690/mo	$541/mo	↓ $149less	21.6%
🏥Healthcare	$717/mo	$589/mo	↓ $128less	17.9%
🛒Groceries	$1,040/mo	$959/mo	↓ $80.99less	7.8%
📦Other	$1,695/mo	$1,741/mo	↑ $45.55more	2.7%

🏠Housing

↓ 34.6%

Haverhill, MA

$4,412

Austin, TX

$2,885

Difference

$1,527

less

🚗Transportation

↓ 24.5%

Haverhill, MA

$1,701

Austin, TX

$1,284

Difference

$417

less

⚡All Utilities

↓ 21.6%

Haverhill, MA

$690

Austin, TX

$541

Difference

$149

less

🏥Healthcare

↓ 17.9%

Haverhill, MA

$717

Austin, TX

$589

Difference

$128

less

🛒Groceries

↓ 7.8%

Haverhill, MA

$1,040

Austin, TX

$959

Difference

$80.99

less

📦Other

↑ 2.7%

Haverhill, MA

$1,695

Austin, TX

$1,741

Difference

$45.55

🏠Rent Comparison

Studio

From$1,208

To$1,585

↑ $377

1 Bed

From$1,339

To$1,685

↑ $346

2 Bed

From$1,757

To$1,995

↑ $238

3 Bed

From$2,109

To$2,525

↑ $416

Haverhill, MAZIP-level data

1BR range: $1,680–$1,710/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.

$10,255

Monthly in Haverhill, MA

$7,998

Monthly in Austin, TX

$2,256

Difference

Home Values

Haverhill

Austin

$522K

Median Value

$558K

↑ +3%

YoY Change

↓ -5%

↑ +40.2%

5-Year Change

↑ +12.6%

$507K - $538K

Price Range

$272K - $1.26M

Homes in Austin are 7% more expensive than Haverhill

Calculate payment - Haverhill Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.5K

Per year

Monthly Difference

$625

More take-home

Effective Rate Diff

5.0%

Rate difference

Haverhill, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Haverhill, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.