Is Austin, TX cheaper than Ramsey, MN?

Based on cost of living data, Austin, TX is 1.3% more expensive than Ramsey, MN. This translates to spending an extra $100 per month.

What salary do I need in Austin, TX to live like I do in Ramsey, MN?

If you earn $150,000 in Ramsey, MN, you'd need approximately $151,203.698 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Ramsey, MN and Austin, TX?

Housing in Austin, TX is 21.3% more expensive than in Ramsey, MN. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,320/month in Ramsey, MN.

How much can I save per month by moving from Ramsey, MN to Austin, TX?

Living in Austin, TX costs approximately $100 more per month than Ramsey, MN, or $1204 more per year, based on a $150,000 salary.

Ramsey, MN vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Ramsey, MN — ZIP-level rent data · COL adjusted from Minneapolis, MN area

Current salary in Ramsey, MN

Numbers update automatically as you type

You'd spend $100/month more in Austin, TX

$150.0K in your current city equals $151.2K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↑ 1.3%

More expensive

Monthly Impact

$100

Extra cost

Annual Impact

$1.2K

Per year

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

Ramsey, MN

Population:29K

Cost Index:100

Median Home:$363K

Austin, TX

Population:979K

Cost Index:101

Median Home:$558K

Ramsey, MN

The North Star State

29K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 29K 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: Ramsey, MN vs Austin, TX

Category	Ramsey, MN	Austin, TX	Difference	Change
🏠Housing	$2,377/mo	$2,885/mo	↑ $507more	21.3%
🏥Healthcare	$733/mo	$589/mo	↓ $145less	19.7%
📦Other	$1,670/mo	$1,741/mo	↑ $71.01more	4.3%
⚡All Utilities	$493/mo	$541/mo	↑ $47.97more	9.7%
🛒Groceries	$998/mo	$959/mo	↓ $39.19less	3.9%
🚗Transportation	$1,298/mo	$1,284/mo	↓ $14.38less	1.1%

🏠Housing

↑ 21.3%

Ramsey, MN

$2,377

Austin, TX

$2,885

Difference

$507

🏥Healthcare

↓ 19.7%

Ramsey, MN

$733

Austin, TX

$589

Difference

$145

less

📦Other

↑ 4.3%

Ramsey, MN

$1,670

Austin, TX

$1,741

Difference

$71.01

⚡All Utilities

↑ 9.7%

Ramsey, MN

$493

Austin, TX

$541

Difference

$47.97

🛒Groceries

↓ 3.9%

Ramsey, MN

$998

Austin, TX

$959

Difference

$39.19

less

🚗Transportation

↓ 1.1%

Ramsey, MN

$1,298

Austin, TX

$1,284

Difference

$14.38

less

🏠Rent Comparison

Studio

From$960

To$1,585

↑ $625

1 Bed

From$1,088

To$1,685

↑ $597

2 Bed

From$1,320

To$1,995

↑ $675

3 Bed

From$1,744

To$2,525

↑ $781

Ramsey, MNZIP-level data

1BR range: $1,360–$1,360/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.

$7,570

Monthly in Ramsey, MN

$7,998

Monthly in Austin, TX

$428

Difference

Home Values

Ramsey

Austin

$363K

Median Value

$558K

↑ +2.6%

YoY Change

↓ -5%

↑ +22.7%

5-Year Change

↑ +12.6%

$363K

Price Range

$272K - $1.26M

Homes in Austin are 54% more expensive than Ramsey

Calculate payment - Ramsey Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.4K

Per year

Monthly Difference

$869

More take-home

Effective Rate Diff

7.0%

Rate difference

Ramsey, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Ramsey, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.