Is Austin, TX cheaper than Oro Valley, AZ?

Based on cost of living data, Austin, TX is 11.0% more expensive than Oro Valley, AZ. This translates to spending an extra $822 per month.

What salary do I need in Austin, TX to live like I do in Oro Valley, AZ?

If you earn $150,000 in Oro Valley, AZ, you'd need approximately $159,858.327 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Oro Valley, AZ and Austin, TX?

Housing in Austin, TX is 48.0% more expensive than in Oro Valley, AZ. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,683/month in Oro Valley, AZ.

How much can I save per month by moving from Oro Valley, AZ to Austin, TX?

Living in Austin, TX costs approximately $822 more per month than Oro Valley, AZ, or $9858 more per year, based on a $150,000 salary.

Oro Valley, AZ vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Oro Valley, AZ — ZIP-level rent data · COL adjusted from Tucson, AZ area

Current salary in Oro Valley, AZ

Numbers update automatically as you type

You'd spend $822/month more in Austin, TX

$150.0K in your current city equals $159.9K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Tucson, AZ area

Overall Cost

↑ 11.0%

More expensive

Monthly Impact

$822

Extra cost

Annual Impact

$9.9K

Per year

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

Oro Valley, AZ

Population:48K

Cost Index:100

Median Home:$491K

Austin, TX

Population:979K

Cost Index:111

Median Home:$558K

Oro Valley, AZ

The Grand Canyon State

48K

Population

State Tax

Yes

Located in Arizona, 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: Oro Valley, AZ vs Austin, TX

Category	Oro Valley, AZ	Austin, TX	Difference	Change
🏠Housing	$1,950/mo	$2,885/mo	↑ $935more	48.0%
⚡All Utilities	$473/mo	$541/mo	↑ $67.64more	14.3%
🛒Groceries	$1,002/mo	$959/mo	↓ $42.44less	4.2%
🏥Healthcare	$555/mo	$589/mo	↑ $33.82more	6.1%
🚗Transportation	$1,255/mo	$1,284/mo	↑ $28.90more	2.3%
📦Other	$1,760/mo	$1,741/mo	↓ $19.18less	1.1%

🏠Housing

↑ 48.0%

Oro Valley, AZ

$1,950

Austin, TX

$2,885

Difference

$935

⚡All Utilities

↑ 14.3%

Oro Valley, AZ

$473

Austin, TX

$541

Difference

$67.64

🛒Groceries

↓ 4.2%

Oro Valley, AZ

$1,002

Austin, TX

$959

Difference

$42.44

less

🏥Healthcare

↑ 6.1%

Oro Valley, AZ

$555

Austin, TX

$589

Difference

$33.82

🚗Transportation

↑ 2.3%

Oro Valley, AZ

$1,255

Austin, TX

$1,284

Difference

$28.90

📦Other

↓ 1.1%

Oro Valley, AZ

$1,760

Austin, TX

$1,741

Difference

$19.18

less

🏠Rent Comparison

Studio

From$1,159

To$1,585

↑ $426

1 Bed

From$1,296

To$1,685

↑ $389

2 Bed

From$1,683

To$1,995

↑ $312

3 Bed

From$2,343

To$2,525

↑ $182

Oro Valley, AZZIP-level data

1BR range: $1,610–$1,610/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.

$6,995

Monthly in Oro Valley, AZ

$7,998

Monthly in Austin, TX

$1,004

Difference

Home Values

Oro Valley

Austin

$491K

Median Value

$558K

↓ -1.5%

YoY Change

↓ -5%

↑ +31.1%

5-Year Change

↑ +12.6%

$491K

Price Range

$272K - $1.26M

Homes in Austin are 14% more expensive than Oro Valley

Calculate payment - Oro Valley Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

Oro Valley, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

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

Oro Valley, AZ Tax Rates

Sales Tax:8.5%

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.