Is Austin, TX cheaper than Lodi, CA?

Based on cost of living data, Austin, TX is 7.4% cheaper than Lodi, CA. This translates to saving $553 per month.

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

If you earn $150,000 in Lodi, CA, you'd need approximately $143,366.467 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 5.5% cheaper than in Lodi, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,508/month in Lodi, CA.

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

Moving from Lodi, CA to Austin, TX could save you approximately $553 per month, or $6634 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Lodi, CA — ZIP-level rent data · COL adjusted from Stockton, CA area

Current salary in Lodi, CA

Numbers update automatically as you type

You'd save $553/month moving to Austin, TX

$150.0K in your current city equals $143.4K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Sacramento-Roseville-Folsom, CA area

Overall Cost

↓ 7.4%

Less expensive

Monthly Impact

$553

Savings

Annual Impact

$6.6K

Per year

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

Lodi, CA

Population:68K

Cost Index:100

Median Home:$512K

Austin, TX

Population:979K

Cost Index:93

Median Home:$558K

Lodi, CA

The Golden State

68K

Population

State Tax

Yes

Located in California, this city has a population of 68K 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: Lodi, CA vs Austin, TX

Category	Lodi, CA	Austin, TX	Difference	Change
🏠Housing	$3,053/mo	$2,885/mo	↓ $168less	5.5%
🚗Transportation	$1,426/mo	$1,284/mo	↓ $142less	10.0%
🛒Groceries	$1,071/mo	$959/mo	↓ $112less	10.4%
🏥Healthcare	$493/mo	$589/mo	↑ $95.11more	19.3%
📦Other	$1,700/mo	$1,741/mo	↑ $41.41more	2.4%
⚡All Utilities	$521/mo	$541/mo	↑ $19.77more	3.8%

🏠Housing

↓ 5.5%

Lodi, CA

$3,053

Austin, TX

$2,885

Difference

$168

less

🚗Transportation

↓ 10.0%

Lodi, CA

$1,426

Austin, TX

$1,284

Difference

$142

less

🛒Groceries

↓ 10.4%

Lodi, CA

$1,071

Austin, TX

$959

Difference

$112

less

🏥Healthcare

↑ 19.3%

Lodi, CA

$493

Austin, TX

$589

Difference

$95.11

📦Other

↑ 2.4%

Lodi, CA

$1,700

Austin, TX

$1,741

Difference

$41.41

⚡All Utilities

↑ 3.8%

Lodi, CA

$521

Austin, TX

$541

Difference

$19.77

🏠Rent Comparison

Studio

From$1,114

To$1,585

↑ $471

1 Bed

From$1,208

To$1,685

↑ $477

2 Bed

From$1,508

To$1,995

↑ $487

3 Bed

From$2,096

To$2,525

↑ $429

Lodi, CAZIP-level data

1BR range: $1,320–$1,620/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.

$8,265

Monthly in Lodi, CA

$7,998

Monthly in Austin, TX

$266

Difference

Home Values

Lodi

Austin

$512K

Median Value

$558K

↓ -3%

YoY Change

↓ -5%

↑ +18.8%

5-Year Change

↑ +12.6%

$460K - $565K

Price Range

$272K - $1.26M

Homes in Austin are 9% more expensive than Lodi

Calculate payment - Lodi 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

Lodi, 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

Lodi, 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.