Mill Neck, NY vs San Antonio, TX: Cost of Living

Which city costs less?

San Antonio, TX has a modeled overall cost index 36.3% lower than Mill Neck, NY.

Mill Neck, NY · modeled 2BR rent: $3,060 / month
San Antonio, TX · modeled 2BR rent: $1,470 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Mill Neck, NY and San Antonio, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Mill Neck, NY

Numbers update automatically as you type

Estimated savings: $2,834/month in San Antonio, TX

$150,000 in your current city has a modeled equivalent of $115,989 in San Antonio, TX

Regional cost estimates: Mill Neck, NY uses New York, NY. San Antonio, TX uses San Antonio-New Braunfels, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 36.3%

Less expensive

Monthly Impact

$2,834

Savings

Annual Impact

$34.0K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Mill Neck, NY

Population:1K

Cost Index:

142.8

100 = national average

Typical Home:$2.50M

San Antonio, TX

Population:1547K

Cost Index:

91.0

100 = national average

Typical Home:$215K

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Mill Neck, NY

The Empire State

Population

State Tax

Yes

Located in New York, this city has a population of 1K 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

Estimated monthly spending: Mill Neck, NY vs San Antonio, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Mill Neck, NY	San Antonio, TX	Difference	Change
Housing	$3,917/mo	$1,406/mo	↓ $2,511less	64.1%
Groceries	$719/mo	$611/mo	↓ $108less	15.0%
Healthcare	$424/mo	$353/mo	↓ $71.91less	16.9%
Other	$1,157/mo	$1,103/mo	↓ $54.63less	4.7%
Transportation	$912/mo	$861/mo	↓ $50.34less	5.5%
All Utilities	$370/mo	$332/mo	↓ $38.52less	10.4%

Housing

↓ 64.1%

Mill Neck, NY

$3,917

San Antonio, TX

$1,406

Difference

$2,511

less

Groceries

↓ 15.0%

Mill Neck, NY

$719

San Antonio, TX

$611

Difference

$108

less

Healthcare

↓ 16.9%

Mill Neck, NY

$424

San Antonio, TX

$353

Difference

$71.91

less

Other

↓ 4.7%

Mill Neck, NY

$1,157

San Antonio, TX

$1,103

Difference

$54.63

less

Transportation

↓ 5.5%

Mill Neck, NY

$912

San Antonio, TX

$861

Difference

$50.34

less

All Utilities

↓ 10.4%

Mill Neck, NY

$370

San Antonio, TX

$332

Difference

$38.52

less

🏠Rent Comparison

Studio

From$2,080

To$1,110

↓ $970

1 Bed

From$2,610

To$1,210

↓ $1,400

2 Bed

From$3,060

To$1,470

↓ $1,590

3 Bed

From$3,960

To$1,890

↓ $2,070

Mill Neck, NYZIP-level data

1BR range: $2,610–$2,610/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Mill Neck, NY

$4,666

Monthly in San Antonio, TX

$2,834

Difference

Home Values

Mill Neck

San Antonio

$2.50M

Median Value

$215K

↑ +6.6%

YoY Change

↓ -2.9%

↑ +50.9%

5-Year Change

↑ +16.7%

$2.50M

Price Range

$107K - $905K

Homes in San Antonio are 91% less expensive than Mill Neck

Calculate payment - Mill Neck Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Mill Neck, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Mill Neck, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.

Environment

Mill Neck

San Antonio

43 Good

Air Quality

52 Moderate

65.8%

Good Air Days

47.5%

99 High

Climate Risk

99 High

🌊🌀🌡

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.6°F

11 days

Heat Days >95°F

105 days

▲+2.7°F

2050 Outlook

▲+2.6°F

11 days

Heat Days >95°F

105 days

Before moving from Mill Neck, NY to San Antonio, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in San Antonio, TX for the same bedroom count and included utilities as your home in Mill Neck, NY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Mill Neck to San Antonio moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to San Antonio, TX by cost, housing, population and region.

Frequently Asked Questions: Mill Neck, NY vs San Antonio, TX

How do the cost estimates for Mill Neck, NY and San Antonio, TX compare?

San Antonio, TX has a modeled overall cost index 36.3% lower than Mill Neck, NY. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Mill Neck, NY, the model estimates $115,989 in San Antonio, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Mill Neck, NY and San Antonio, TX?

The modeled two-bedroom rents are $3,060/month in Mill Neck, NY and $1,470/month in San Antonio, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between New York and Texas on TaxTakeHome.com