Is Austin, TX cheaper than Hoboken, NJ?

Based on cost of living data, Austin, TX is 14.6% cheaper than Hoboken, NJ. This translates to saving $1093 per month.

What salary do I need in Austin, TX to live like I do in Hoboken, NJ?

If you earn $150,000 in Hoboken, NJ, you'd need approximately $136,889.975 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Hoboken, NJ and Austin, TX?

Housing in Austin, TX is 10.6% cheaper than in Hoboken, NJ. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $3,394/month in Hoboken, NJ.

How much can I save per month by moving from Hoboken, NJ to Austin, TX?

Moving from Hoboken, NJ to Austin, TX could save you approximately $1093 per month, or $13110 per year, based on a $150,000 salary.

Hoboken, NJ vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Hoboken, NJ — ZIP-level rent data · COL adjusted from Jersey City, NJ area

Current salary in Hoboken, NJ

Numbers update automatically as you type

You'd save $1.1K/month moving to Austin, TX

$150.0K in your current city equals $136.9K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 14.6%

Less expensive

Monthly Impact

$1,093

Savings

Annual Impact

$13.1K

Per year

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

Hoboken, NJ

Population:57K

Cost Index:100

Median Home:$834K

Austin, TX

Population:979K

Cost Index:85

Median Home:$558K

Hoboken, NJ

The Garden State

57K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 57K 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: Hoboken, NJ vs Austin, TX

Category	Hoboken, NJ	Austin, TX	Difference	Change
🏠Housing	$3,226/mo	$2,885/mo	↓ $341less	10.6%
🚗Transportation	$1,541/mo	$1,284/mo	↓ $257less	16.7%
📦Other	$1,954/mo	$1,741/mo	↓ $213less	10.9%
🛒Groceries	$1,079/mo	$959/mo	↓ $120less	11.1%
🏥Healthcare	$675/mo	$589/mo	↓ $86.81less	12.9%
⚡All Utilities	$585/mo	$541/mo	↓ $43.97less	7.5%

🏠Housing

↓ 10.6%

Hoboken, NJ

$3,226

Austin, TX

$2,885

Difference

$341

less

🚗Transportation

↓ 16.7%

Hoboken, NJ

$1,541

Austin, TX

$1,284

Difference

$257

less

📦Other

↓ 10.9%

Hoboken, NJ

$1,954

Austin, TX

$1,741

Difference

$213

less

🛒Groceries

↓ 11.1%

Hoboken, NJ

$1,079

Austin, TX

$959

Difference

$120

less

🏥Healthcare

↓ 12.9%

Hoboken, NJ

$675

Austin, TX

$589

Difference

$86.81

less

⚡All Utilities

↓ 7.5%

Hoboken, NJ

$585

Austin, TX

$541

Difference

$43.97

less

🏠Rent Comparison

Studio

From$2,960

To$1,585

↓ $1,375

1 Bed

From$3,017

To$1,685

↓ $1,332

2 Bed

From$3,394

To$1,995

↓ $1,399

3 Bed

From$4,140

To$2,525

↓ $1,615

Hoboken, NJZIP-level data

1BR range: $3,680–$3,680/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.

$9,061

Monthly in Hoboken, NJ

$7,998

Monthly in Austin, TX

$1,062

Difference

Home Values

Hoboken

Austin

$834K

Median Value

$558K

↓ -2%

YoY Change

↓ -5%

↑ +2.3%

5-Year Change

↑ +12.6%

$834K

Price Range

$272K - $1.26M

Homes in Austin are 33% less expensive than Hoboken

Calculate payment - Hoboken Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Hoboken, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Hoboken, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.