Is San Antonio, TX cheaper than New York, NY?

Based on cost of living data, San Antonio, TX is 45.8% cheaper than New York, NY. This translates to saving $3438 per month.

What salary do I need in San Antonio, TX to live like I do in New York, NY?

If you earn $150,000 in New York, NY, you'd need approximately $108,750 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between New York, NY and San Antonio, TX?

Housing in San Antonio, TX is 72.5% cheaper than in New York, NY. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $3,590/month in New York, NY.

How much can I save per month by moving from New York, NY to San Antonio, TX?

Moving from New York, NY to San Antonio, TX could save you approximately $3438 per month, or $41250 per year, based on a $150,000 salary.

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New York, NY

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San Antonio, TX

Cost of Living Comparison 2026

Current salary in New York, NY

Numbers update automatically as you type

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

$150.0K in your current city equals $108.8K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 45.8%

Less expensive

Monthly Impact

$3,438

Savings

Annual Impact

$41.3K

Per year

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

New York, NY

Population:8337K

Cost Index:100

Median Home:$1.05M

San Antonio, TX

Population:1547K

Cost Index:54

Median Home:$215K

New York, NY

The Empire State

8.3M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Most populous city in the US
•Major global financial center
•World-renowned cultural hub

Major Industries

FinanceReal EstateTechnologyMedia

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: New York, NY vs San Antonio, TX

Category	New York, NY	San Antonio, TX	Difference	Change
🏠Housing	$7,648/mo	$2,100/mo	↓ $5,548less	72.5%
📦Other	$2,034/mo	$1,647/mo	↓ $387less	19.0%
🚗Transportation	$1,602/mo	$1,287/mo	↓ $316less	19.7%
🛒Groceries	$1,165/mo	$913/mo	↓ $252less	21.6%
🏥Healthcare	$688/mo	$527/mo	↓ $161less	23.4%
⚡All Utilities	$600/mo	$496/mo	↓ $104less	17.4%

🏠Housing

↓ 72.5%

New York, NY

$7,648

San Antonio, TX

$2,100

Difference

$5,548

less

📦Other

↓ 19.0%

New York, NY

$2,034

San Antonio, TX

$1,647

Difference

$387

less

🚗Transportation

↓ 19.7%

New York, NY

$1,602

San Antonio, TX

$1,287

Difference

$316

less

🛒Groceries

↓ 21.6%

New York, NY

$1,165

San Antonio, TX

$913

Difference

$252

less

🏥Healthcare

↓ 23.4%

New York, NY

$688

San Antonio, TX

$527

Difference

$161

less

⚡All Utilities

↓ 17.4%

New York, NY

$600

San Antonio, TX

$496

Difference

$104

less

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$5,689/yr (3.8%)

San Antonio, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$3,120

To$1,110

↓ $2,010

1 Bed

From$3,270

To$1,210

↓ $2,060

2 Bed

From$3,590

To$1,470

↓ $2,120

3 Bed

From$4,500

To$1,890

↓ $2,610

New York, NYZIP-level data

1BR range: $2,260–$3,990/mo

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.

$13,737

Monthly in New York, NY

$6,969

Monthly in San Antonio, TX

$6,768

Difference

Home Values

New York

San Antonio

$1.05M

Median Value

$215K

↓ -0.1%

YoY Change

↓ -2.9%

↓ -5.9%

5-Year Change

↑ +16.7%

$471K - $3.49M

Price Range

$107K - $905K

Homes in San Antonio are 80% less expensive than New York

Calculate payment - New York 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

New York, 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

New York, 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.