Is Austin, TX cheaper than Pensacola, FL?

Based on cost of living data, Austin, TX is 14.4% more expensive than Pensacola, FL. This translates to spending an extra $1077 per month.

What salary do I need in Austin, TX to live like I do in Pensacola, FL?

If you earn $150,000 in Pensacola, FL, you'd need approximately $162,920.974 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Pensacola, FL and Austin, TX?

Housing in Austin, TX is 47.5% more expensive than in Pensacola, FL. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,605/month in Pensacola, FL.

How much can I save per month by moving from Pensacola, FL to Austin, TX?

Living in Austin, TX costs approximately $1077 more per month than Pensacola, FL, or $12921 more per year, based on a $150,000 salary.

Pensacola, FL vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Pensacola, FL — ZIP-level rent data · COL adjusted from Montgomery, AL area

Current salary in Pensacola, FL

Numbers update automatically as you type

You'd spend $1.1K/month more in Austin, TX

$150.0K in your current city equals $162.9K in Austin, TX

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

Overall Cost

↑ 14.4%

More expensive

Monthly Impact

$1,077

Extra cost

Annual Impact

$12.9K

Per year

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

Pensacola, FL

Population:54K

Cost Index:100

Median Home:$259K

Austin, TX

Population:979K

Cost Index:114

Median Home:$558K

Pensacola, FL

The Sunshine State

54K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 54K residents.

💡 Advantage: Florida has no state income tax!

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: Pensacola, FL vs Austin, TX

Category	Pensacola, FL	Austin, TX	Difference	Change
🏠Housing	$1,955/mo	$2,885/mo	↑ $929more	47.5%
📦Other	$1,614/mo	$1,741/mo	↑ $127more	7.9%
🏥Healthcare	$529/mo	$589/mo	↑ $59.24more	11.2%
🛒Groceries	$987/mo	$959/mo	↓ $28.19less	2.9%
⚡All Utilities	$557/mo	$541/mo	↓ $15.90less	2.9%
🚗Transportation	$1,274/mo	$1,284/mo	↑ $10.27more	0.8%

🏠Housing

↑ 47.5%

Pensacola, FL

$1,955

Austin, TX

$2,885

Difference

$929

📦Other

↑ 7.9%

Pensacola, FL

$1,614

Austin, TX

$1,741

Difference

$127

🏥Healthcare

↑ 11.2%

Pensacola, FL

$529

Austin, TX

$589

Difference

$59.24

🛒Groceries

↓ 2.9%

Pensacola, FL

$987

Austin, TX

$959

Difference

$28.19

less

⚡All Utilities

↓ 2.9%

Pensacola, FL

$557

Austin, TX

$541

Difference

$15.90

less

🚗Transportation

↑ 0.8%

Pensacola, FL

$1,274

Austin, TX

$1,284

Difference

$10.27

🏠Rent Comparison

Studio

From$1,219

To$1,585

↑ $366

1 Bed

From$1,372

To$1,685

↑ $313

2 Bed

From$1,605

To$1,995

↑ $390

3 Bed

From$2,135

To$2,525

↑ $390

Pensacola, FLZIP-level data

1BR range: $1,230–$1,710/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.

$6,917

Monthly in Pensacola, FL

$7,998

Monthly in Austin, TX

$1,082

Difference

Home Values

Pensacola

Austin

$259K

Median Value

$558K

↓ -1.6%

YoY Change

↓ -5%

↑ +31.8%

5-Year Change

↑ +12.6%

$140K - $358K

Price Range

$272K - $1.26M

Homes in Austin are 115% more expensive than Pensacola

Calculate payment - Pensacola Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Pensacola, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

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

Pensacola, FL Tax Rates

Sales Tax:7.2%

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.