Is San Antonio, TX cheaper than McHenry, IL?

Based on cost of living data, San Antonio, TX is 3.6% cheaper than McHenry, IL. This translates to saving $268 per month.

What salary do I need in San Antonio, TX to live like I do in McHenry, IL?

If you earn $150,000 in McHenry, IL, you'd need approximately $146,787.609 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between McHenry, IL and San Antonio, TX?

Housing in San Antonio, TX is 12.8% cheaper than in McHenry, IL. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,299/month in McHenry, IL.

How much can I save per month by moving from McHenry, IL to San Antonio, TX?

Moving from McHenry, IL to San Antonio, TX could save you approximately $268 per month, or $3212 per year, based on a $150,000 salary.

McHenry, IL vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 McHenry, IL — COL adjusted from Chicago, IL area + state data

Current salary in McHenry, IL

Numbers update automatically as you type

You'd save $268/month moving to San Antonio, TX

$150.0K in your current city equals $146.8K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 3.6%

Less expensive

Monthly Impact

$268

Savings

Annual Impact

$3.2K

Per year

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

McHenry, IL

Population:28K

Cost Index:100

Median Home:$305K

San Antonio, TX

Population:1547K

Cost Index:96

Median Home:$215K

McHenry, IL

The Prairie State

28K

Population

State Tax

Yes

Located in Illinois, this city has a population of 28K residents.

San Antonio, TX

The Lone Star State

1.5M

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 1.5M residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: McHenry, IL vs San Antonio, TX

Category	McHenry, IL	San Antonio, TX	Difference	Change
🏠Housing	$2,409/mo	$2,100/mo	↓ $309less	12.8%
🚗Transportation	$1,467/mo	$1,287/mo	↓ $180less	12.3%
📦Other	$1,534/mo	$1,647/mo	↑ $113more	7.4%
🛒Groceries	$962/mo	$913/mo	↓ $48.32less	5.0%
🏥Healthcare	$556/mo	$527/mo	↓ $29.09less	5.2%
⚡All Utilities	$485/mo	$496/mo	↑ $10.59more	2.2%

🏠Housing

↓ 12.8%

McHenry, IL

$2,409

San Antonio, TX

$2,100

Difference

$309

less

🚗Transportation

↓ 12.3%

McHenry, IL

$1,467

San Antonio, TX

$1,287

Difference

$180

less

📦Other

↑ 7.4%

McHenry, IL

$1,534

San Antonio, TX

$1,647

Difference

$113

🛒Groceries

↓ 5.0%

McHenry, IL

$962

San Antonio, TX

$913

Difference

$48.32

less

🏥Healthcare

↓ 5.2%

McHenry, IL

$556

San Antonio, TX

$527

Difference

$29.09

less

⚡All Utilities

↑ 2.2%

McHenry, IL

$485

San Antonio, TX

$496

Difference

$10.59

🏠Rent Comparison

Studio

From$890

To$1,110

↑ $220

1 Bed

From$1,076

To$1,210

↑ $134

2 Bed

From$1,299

To$1,470

↑ $171

3 Bed

From$1,781

To$1,890

↑ $109

San Antonio, TXZIP-level data

1BR range: $840–$1,770/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.

$7,413

Monthly in McHenry, IL

$6,969

Monthly in San Antonio, TX

$444

Difference

Home Values

McHenry

San Antonio

Median Value

$215K

YoY Change

↓ -2.9%

5-Year Change

↑ +16.7%

Price Range

$107K - $905K

Calculate payment - San Antonio

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

4.9%

Rate difference

McHenry, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

San Antonio, 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

McHenry, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

San Antonio, 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.