Mountain Home, AR vs Austin, TX: Cost of Living

Which city costs less?

Austin, TX has a modeled overall cost index 44.7% higher than Mountain Home, AR.

Mountain Home, AR · modeled 2BR rent
$980 / month
Austin, TX · modeled 2BR rent
$1,995 / 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 Mountain Home, AR and Austin, 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

$
Numbers update automatically as you type

Estimated extra cost: $3,205/month in Austin, TX

$150,000 in your current city has a modeled equivalent of $188,459 in Austin, TX

Regional cost estimates: Mountain Home, AR uses Memphis, TN. Austin, TX uses Austin-Round Rock-Georgetown, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 44.7%
More expensive
Monthly Impact
$3,205
Extra cost
Annual Impact
$38.5K
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.

Mountain Home, AR

Population:13K
Cost Index:
71.2
100 = national average
Typical Home:$227K

Austin, TX

Population:979K
Cost Index:
103.0
100 = national average
Typical Home:$558K

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Mountain Home, AR

The Natural State

13K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 13K 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

Estimated monthly spending: Mountain Home, AR vs Austin, 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.

Housing
↑ 109.9%
Mountain Home, AR
$1,839
Austin, TX
$3,861
Difference
$2,021
more
Other
↑ 25.7%
Mountain Home, AR
$1,854
Austin, TX
$2,330
Difference
$476
more
Transportation
↑ 24.8%
Mountain Home, AR
$1,377
Austin, TX
$1,719
Difference
$342
more
Healthcare
↑ 22.9%
Mountain Home, AR
$641
Austin, TX
$788
Difference
$147
more
Groceries
↑ 12.3%
Mountain Home, AR
$1,144
Austin, TX
$1,284
Difference
$140
more
All Utilities
↑ 12.2%
Mountain Home, AR
$645
Austin, TX
$724
Difference
$78.69
more

🏠Rent Comparison

Studio
From$740
To$1,585
↑ $845
1 Bed
From$750
To$1,685
↑ $935
2 Bed
From$980
To$1,995
↑ $1,015
3 Bed
From$1,290
To$2,525
↑ $1,235
Mountain Home, ARZIP-level data

1BR range: $750–$750/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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 Mountain Home, AR
$10,705
Monthly in Austin, TX
$3,205
Difference

Home Values

Mountain Home
Austin
$227K
Median Value
$558K
↑ +1.4%
YoY Change
↓ -5%
↑ +41.3%
5-Year Change
↑ +12.6%
$227K
Price Range
$272K - $1.26M

Homes in Austin are 146% more expensive than Mountain Home

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $9.0K
Per year
Monthly Difference
$752
More take-home
Effective Rate Diff
6.0%
Rate difference

Mountain Home, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
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

Mountain Home, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Mountain Home
Austin
55 Moderate
Air Quality
52 Moderate
34.4%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
98 days
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
98 days

Before moving from Mountain Home, AR to Austin, TX

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

  1. Compare actual homes. Get current quotes in Austin, TX for the same bedroom count and included utilities as your home in Mountain Home, AR. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Mountain Home to Austin moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mountain Home, AR vs Austin, TX

How do the cost estimates for Mountain Home, AR and Austin, TX compare?

Austin, TX has a modeled overall cost index 44.7% higher than Mountain Home, AR. 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 Mountain Home, AR, the model estimates $188,459 in Austin, 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 Mountain Home, AR and Austin, TX?

The modeled two-bedroom rents are $980/month in Mountain Home, AR and $1,995/month in Austin, 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 Arkansas and Texas on TaxTakeHome.com

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