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Cost of Living Comparison 2026

📍 Niagara Falls, NY — ZIP-level rent data · COL adjusted from Cleveland, OH area

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Numbers update automatically as you type

You'd spend $1.6K/month more in Austin, TX

$150.0K in your current city equals $169.6K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Buffalo-Cheektowaga, NY area
Overall Cost
↑ 21.7%
More expensive
Monthly Impact
$1,631
Extra cost
Annual Impact
$19.6K
Per year

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

Niagara Falls, NY

Population:48K
Cost Index:100
Median Home:$124K

Austin, TX

Population:979K
Cost Index:122
Median Home:$558K

Niagara Falls, NY

The Empire State

48K
Population
State Tax
Yes

Located in New York, this city has a population of 48K 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: Niagara Falls, NY vs Austin, TX

🏠Housing
↑ 68.1%
Niagara Falls, NY
$1,716
Austin, TX
$2,885
Difference
$1,169
more
📦Other
↑ 8.4%
Niagara Falls, NY
$1,606
Austin, TX
$1,741
Difference
$135
more
🚗Transportation
↓ 8.9%
Niagara Falls, NY
$1,409
Austin, TX
$1,284
Difference
$125
less
⚡All Utilities
↑ 14.7%
Niagara Falls, NY
$472
Austin, TX
$541
Difference
$69.18
more
🏥Healthcare
↑ 10.0%
Niagara Falls, NY
$535
Austin, TX
$589
Difference
$53.66
more
🛒Groceries
↓ 2.6%
Niagara Falls, NY
$985
Austin, TX
$959
Difference
$25.26
less

🏠Rent Comparison

Studio
From$980
To$1,585
↑ $605
1 Bed
From$1,011
To$1,685
↑ $674
2 Bed
From$1,192
To$1,995
↑ $803
3 Bed
From$1,455
To$2,525
↑ $1,070
Niagara Falls, NYZIP-level data

1BR range: $910–$1,040/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.

$6,723
Monthly in Niagara Falls, NY
$7,998
Monthly in Austin, TX
$1,276
Difference

Home Values

Niagara Falls
Austin
$124K
Median Value
$558K
↑ +5.2%
YoY Change
↓ -5%
↑ +52.8%
5-Year Change
↑ +12.6%
$102K - $195K
Price Range
$272K - $1.26M

Homes in Austin are 349% more expensive than Niagara Falls

Calculate payment - Niagara FallsCalculate payment - Austin

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

Niagara Falls, 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

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

Niagara Falls, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

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.

Environment

Niagara Falls
Austin
54 Moderate
Air Quality
52 Moderate
37.2%
Good Air Days
42.6%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.3°F
2050 Outlook
▲+2.5°F
11 days
Heat Days >95°F
98 days
▲+3.3°F
2050 Outlook
▲+2.5°F
11 days
Heat Days >95°F
98 days

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

Similar cost to Austin, TX

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