Is Austin, TX cheaper than Morgan Hill, CA?

Based on cost of living data, Austin, TX is 45.0% cheaper than Morgan Hill, CA. This translates to saving $3377 per month.

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

If you earn $150,000 in Morgan Hill, CA, you'd need approximately $109,477.88 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 64.4% cheaper than in Morgan Hill, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,234/month in Morgan Hill, CA.

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

Moving from Morgan Hill, CA to Austin, TX could save you approximately $3377 per month, or $40522 per year, based on a $150,000 salary.

Morgan Hill, CA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Morgan Hill, CA — ZIP-level rent data · COL adjusted from San Jose, CA area

Current salary in Morgan Hill, CA

Numbers update automatically as you type

You'd save $3.4K/month moving to Austin, TX

$150.0K in your current city equals $109.5K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 45.0%

Less expensive

Monthly Impact

$3,377

Savings

Annual Impact

$40.5K

Per year

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

Morgan Hill, CA

Population:44K

Cost Index:100

Median Home:$1.31M

Austin, TX

Population:979K

Cost Index:55

Median Home:$558K

Morgan Hill, CA

The Golden State

44K

Population

State Tax

Yes

Located in California, this city has a population of 44K 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: Morgan Hill, CA vs Austin, TX

Category	Morgan Hill, CA	Austin, TX	Difference	Change
🏠Housing	$8,110/mo	$2,885/mo	↓ $5,225less	64.4%
🛒Groceries	$1,090/mo	$959/mo	↓ $131less	12.0%
🏥Healthcare	$682/mo	$589/mo	↓ $93.33less	13.7%
⚡All Utilities	$448/mo	$541/mo	↑ $92.54more	20.6%
📦Other	$1,701/mo	$1,741/mo	↑ $40.16more	2.4%
🚗Transportation	$1,311/mo	$1,284/mo	↓ $27.44less	2.1%

🏠Housing

↓ 64.4%

Morgan Hill, CA

$8,110

Austin, TX

$2,885

Difference

$5,225

less

🛒Groceries

↓ 12.0%

Morgan Hill, CA

$1,090

Austin, TX

$959

Difference

$131

less

🏥Healthcare

↓ 13.7%

Morgan Hill, CA

$682

Austin, TX

$589

Difference

$93.33

less

⚡All Utilities

↑ 20.6%

Morgan Hill, CA

$448

Austin, TX

$541

Difference

$92.54

📦Other

↑ 2.4%

Morgan Hill, CA

$1,701

Austin, TX

$1,741

Difference

$40.16

🚗Transportation

↓ 2.1%

Morgan Hill, CA

$1,311

Austin, TX

$1,284

Difference

$27.44

less

🏠Rent Comparison

Studio

From$1,680

To$1,585

↓ $95.00

1 Bed

From$1,909

To$1,685

↓ $224

2 Bed

From$2,234

To$1,995

↓ $239

3 Bed

From$2,955

To$2,525

↓ $430

Morgan Hill, CAZIP-level data

1BR range: $2,410–$2,410/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.

$13,343

Monthly in Morgan Hill, CA

$7,998

Monthly in Austin, TX

$5,344

Difference

Home Values

Morgan Hill

Austin

$1.31M

Median Value

$558K

↓ -0.5%

YoY Change

↓ -5%

↑ +28.4%

5-Year Change

↑ +12.6%

$1.31M

Price Range

$272K - $1.26M

Homes in Austin are 57% less expensive than Morgan Hill

Calculate payment - Morgan Hill 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

Morgan Hill, 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

Morgan Hill, 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.