Is Austin, TX cheaper than Paterson, NJ?

Based on cost of living data, Austin, TX is 4.6% cheaper than Paterson, NJ. This translates to saving $347 per month.

What salary do I need in Austin, TX to live like I do in Paterson, NJ?

If you earn $150,000 in Paterson, NJ, you'd need approximately $145,833.333 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Paterson, NJ and Austin, TX?

Housing in Austin, TX is 27.6% more expensive than in Paterson, NJ. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,980/month in Paterson, NJ.

How much can I save per month by moving from Paterson, NJ to Austin, TX?

Moving from Paterson, NJ to Austin, TX could save you approximately $347 per month, or $4167 per year, based on a $150,000 salary.

Paterson, NJ vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Paterson, NJ — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Paterson, NJ

Numbers update automatically as you type

You'd save $347/month moving to Austin, TX

$150.0K in your current city equals $145.8K in Austin, TX

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

Overall Cost

↓ 4.6%

Less expensive

Monthly Impact

$347

Savings

Annual Impact

$4.2K

Per year

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

Paterson, NJ

Population:156K

Cost Index:100

Median Home:$532K

Austin, TX

Population:979K

Cost Index:95

Median Home:$558K

Paterson, NJ

The Garden State

156K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 156K 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: Paterson, NJ vs Austin, TX

Category	Paterson, NJ	Austin, TX	Difference	Change
🏠Housing	$2,261/mo	$2,885/mo	↑ $624more	27.6%
🚗Transportation	$1,598/mo	$1,284/mo	↓ $314less	19.7%
📦Other	$2,026/mo	$1,741/mo	↓ $285less	14.0%
🛒Groceries	$1,099/mo	$959/mo	↓ $140less	12.7%
🏥Healthcare	$688/mo	$589/mo	↓ $99.13less	14.4%
⚡All Utilities	$596/mo	$541/mo	↓ $54.64less	9.2%

🏠Housing

↑ 27.6%

Paterson, NJ

$2,261

Austin, TX

$2,885

Difference

$624

🚗Transportation

↓ 19.7%

Paterson, NJ

$1,598

Austin, TX

$1,284

Difference

$314

less

📦Other

↓ 14.0%

Paterson, NJ

$2,026

Austin, TX

$1,741

Difference

$285

less

🛒Groceries

↓ 12.7%

Paterson, NJ

$1,099

Austin, TX

$959

Difference

$140

less

🏥Healthcare

↓ 14.4%

Paterson, NJ

$688

Austin, TX

$589

Difference

$99.13

less

⚡All Utilities

↓ 9.2%

Paterson, NJ

$596

Austin, TX

$541

Difference

$54.64

less

🏠Rent Comparison

Studio

From$1,510

To$1,585

↑ $75.00

1 Bed

From$1,720

To$1,685

↓ $35.00

2 Bed

From$1,980

To$1,995

↑ $15.00

3 Bed

From$2,420

To$2,525

↑ $105

Paterson, NJZIP-level data

1BR range: $1,410–$1,860/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.

$8,267

Monthly in Paterson, NJ

$7,998

Monthly in Austin, TX

$269

Difference

Home Values

Paterson

Austin

$532K

Median Value

$558K

↑ +3.7%

YoY Change

↓ -5%

↑ +44.5%

5-Year Change

↑ +12.6%

$469K - $567K

Price Range

$272K - $1.26M

Homes in Austin are 5% more expensive than Paterson

Calculate payment - Paterson Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Paterson, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Paterson, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.