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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $934/month moving to San Antonio, TX

$150.0K in your current city equals $138.8K in San Antonio, TX

Rent data from HUD ZIP-level estimates Β· COL index from New York-Newark-Jersey City, NY-NJ-PA area
Overall Cost
↓ 12.5%
Less expensive
Monthly Impact
$934
Savings
Annual Impact
$11.2K
Per year

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

Perth Amboy, NJ

Population:55K
Cost Index:
100
100 = national average
Median Home:$490K

San Antonio, TX

Population:1547K
Cost Index:
88
(12% below avg)
Median Home:$215K

Perth Amboy, NJ

The Garden State

55K
Population
State Tax
Yes

Located in New Jersey, this city has a population of 55K residents.

San Antonio, TX

The Lone Star State

1.5M
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 1.5M residents.

πŸ’‘ Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Perth Amboy, NJ vs San Antonio, TX

Other
↓ 15.5%
Perth Amboy, NJ
$1,949
San Antonio, TX
$1,647
Difference
$302
less
Transportation
↓ 16.3%
Perth Amboy, NJ
$1,538
San Antonio, TX
$1,287
Difference
$251
less
Groceries
↓ 15.3%
Perth Amboy, NJ
$1,078
San Antonio, TX
$913
Difference
$165
less
Healthcare
↓ 21.9%
Perth Amboy, NJ
$675
San Antonio, TX
$527
Difference
$148
less
Housing
↑ 7.2%
Perth Amboy, NJ
$1,958
San Antonio, TX
$2,100
Difference
$141
more
All Utilities
↓ 15.2%
Perth Amboy, NJ
$584
San Antonio, TX
$496
Difference
$88.70
less

🏠Rent Comparison

Studio
From$1,235
To$1,110
↓ $125
1 Bed
From$1,358
To$1,210
↓ $148
2 Bed
From$1,702
To$1,470
↓ $232
3 Bed
From$2,037
To$1,890
↓ $147
Perth Amboy, NJZIP-level data

1BR range: $1,660–$1,660/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/mo

πŸ’‘ 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.

$7,783
Monthly in Perth Amboy, NJ
$6,969
Monthly in San Antonio, TX
$814
Difference

Home Values

Perth Amboy
San Antonio
$490K
Median Value
$215K
↑ +1.2%
YoY Change
↓ -2.9%
↑ +39.3%
5-Year Change
↑ +16.7%
$490K
Price Range
$107K - $905K

Homes in San Antonio are 56% less expensive than Perth Amboy

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

Perth Amboy, 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

San Antonio, 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

Perth Amboy, NJ Tax Rates

Sales Tax:6.6%
Property Tax:2.5%

San Antonio, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

πŸ’‘ 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

Perth Amboy
San Antonio
N/A
Air Quality
52 Moderate
-
Good Air Days
47.5%
98 High
Climate Risk
99 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.9Β°F
2050 Outlook
β–²+2.6Β°F
15 days
Heat Days >95Β°F
105 days
β–²+2.9Β°F
2050 Outlook
β–²+2.6Β°F
15 days
Heat Days >95Β°F
105 days

What to Consider When Moving from Perth Amboy, NJ to San Antonio, TX

Relocating from Perth Amboy, NJ to San Antonio, TX involves more than just comparing rent prices. While the overall cost of living is about 12% lower in San Antonio, TX, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in San Antonio, TX is 7% more expensive than in Perth Amboy, NJ. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in San Antonio, TX pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in San Antonio, TX to match your current standard of living in Perth Amboy, NJ.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit San Antonio, TX for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Perth Amboy, NJ vs San Antonio, TX

Is San Antonio, TX cheaper than Perth Amboy, NJ?

Yes, San Antonio, TX is about 12.5% cheaper than Perth Amboy, NJ. You could save approximately $934/month on a $150,000 salary. Housing costs are 7% higher in San Antonio, TX.

What salary do I need in San Antonio, TX to match my lifestyle in Perth Amboy, NJ?

If you currently earn $150,000 in Perth Amboy, NJ, you would need approximately $138,793 in San Antonio, TX to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Perth Amboy, NJ and San Antonio, TX?

A two-bedroom apartment averages $1,702/month in Perth Amboy, NJ compared to $1,470/month in San Antonio, TX. One-bedroom apartments are $1,358/month in Perth Amboy, NJ vs $1,210/month in San Antonio, TX. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Perth Amboy, NJ or San Antonio, TX?

Groceries are about 15% cheaper in San Antonio, TX than in Perth Amboy, NJ, saving a typical household roughly $165/month on food.

What is the best time to move from Perth Amboy, NJ to San Antonio, TX?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

πŸ’° See how taxes change too β€” compare take-home pay between New Jersey and Texas on TaxTakeHome.com

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