Is Austin, TX cheaper than Oceanside, CA?

Based on cost of living data, Austin, TX is 23.5% cheaper than Oceanside, CA. This translates to saving $1761 per month.

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

If you earn $150,000 in Oceanside, CA, you'd need approximately $128,862.793 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 34.4% cheaper than in Oceanside, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,535/month in Oceanside, CA.

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

Moving from Oceanside, CA to Austin, TX could save you approximately $1761 per month, or $21137 per year, based on a $150,000 salary.

Oceanside, CA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Oceanside, CA — ZIP-level rent data · COL adjusted from San Diego, CA area

Current salary in Oceanside, CA

Numbers update automatically as you type

You'd save $1.8K/month moving to Austin, TX

$150.0K in your current city equals $128.9K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from San Diego-Chula Vista-Carlsbad, CA area

Overall Cost

↓ 23.5%

Less expensive

Monthly Impact

$1,761

Savings

Annual Impact

$21.1K

Per year

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

Oceanside, CA

Population:170K

Cost Index:100

Median Home:$841K

Austin, TX

Population:979K

Cost Index:77

Median Home:$558K

Oceanside, CA

The Golden State

170K

Population

State Tax

Yes

Located in California, this city has a population of 170K 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: Oceanside, CA vs Austin, TX

Category	Oceanside, CA	Austin, TX	Difference	Change
🏠Housing	$4,395/mo	$2,885/mo	↓ $1,510less	34.4%
🚗Transportation	$1,469/mo	$1,284/mo	↓ $184less	12.6%
🛒Groceries	$1,043/mo	$959/mo	↓ $84.15less	8.1%
⚡All Utilities	$613/mo	$541/mo	↓ $71.89less	11.7%
🏥Healthcare	$617/mo	$589/mo	↓ $28.42less	4.6%
📦Other	$1,768/mo	$1,741/mo	↓ $27.38less	1.5%

🏠Housing

↓ 34.4%

Oceanside, CA

$4,395

Austin, TX

$2,885

Difference

$1,510

less

🚗Transportation

↓ 12.6%

Oceanside, CA

$1,469

Austin, TX

$1,284

Difference

$184

less

🛒Groceries

↓ 8.1%

Oceanside, CA

$1,043

Austin, TX

$959

Difference

$84.15

less

⚡All Utilities

↓ 11.7%

Oceanside, CA

$613

Austin, TX

$541

Difference

$71.89

less

🏥Healthcare

↓ 4.6%

Oceanside, CA

$617

Austin, TX

$589

Difference

$28.42

less

📦Other

↓ 1.5%

Oceanside, CA

$1,768

Austin, TX

$1,741

Difference

$27.38

less

🏠Rent Comparison

Studio

From$1,931

To$1,585

↓ $346

1 Bed

From$2,074

To$1,685

↓ $389

2 Bed

From$2,535

To$1,995

↓ $540

3 Bed

From$3,377

To$2,525

↓ $852

Oceanside, CAZIP-level data

1BR range: $2,330–$2,870/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.

$9,905

Monthly in Oceanside, CA

$7,998

Monthly in Austin, TX

$1,906

Difference

Home Values

Oceanside

Austin

$841K

Median Value

$558K

↓ -2.1%

YoY Change

↓ -5%

↑ +41.6%

5-Year Change

↑ +12.6%

$791K - $1.08M

Price Range

$272K - $1.26M

Homes in Austin are 34% less expensive than Oceanside

Calculate payment - Oceanside 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

Oceanside, 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

Oceanside, 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.