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Cost of Living Comparison 2026

📍 Saginaw, TX — ZIP-level rent data · COL adjusted from Fort Worth, TX area

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Numbers update automatically as you type

You'd spend $1.3K/month more in Austin, TX

$150.0K in your current city equals $165.9K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area
Overall Cost
↑ 17.6%
More expensive
Monthly Impact
$1,321
Extra cost
Annual Impact
$15.9K
Per year

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

Saginaw, TX

Population:25K
Cost Index:100
Median Home:$316K

Austin, TX

Population:979K
Cost Index:118
Median Home:$558K

Saginaw, TX

The Lone Star State

25K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 25K residents.

💡 Advantage: Texas 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: Saginaw, TX vs Austin, TX

🏠Housing
↑ 55.6%
Saginaw, TX
$1,854
Austin, TX
$2,885
Difference
$1,030
more
📦Other
↑ 9.5%
Saginaw, TX
$1,589
Austin, TX
$1,741
Difference
$151
more
🚗Transportation
↑ 8.5%
Saginaw, TX
$1,184
Austin, TX
$1,284
Difference
$100
more
🛒Groceries
↑ 8.7%
Saginaw, TX
$883
Austin, TX
$959
Difference
$76.62
more
⚡All Utilities
↑ 3.1%
Saginaw, TX
$525
Austin, TX
$541
Difference
$16.32
more
🏥Healthcare
↑ 1.0%
Saginaw, TX
$583
Austin, TX
$589
Difference
$5.62
more

🏠Rent Comparison

Studio
From$1,465
To$1,585
↑ $120
1 Bed
From$1,512
To$1,685
↑ $173
2 Bed
From$1,771
To$1,995
↑ $224
3 Bed
From$2,335
To$2,525
↑ $190
Saginaw, TXZIP-level data

1BR range: $1,930–$1,930/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.

$6,618
Monthly in Saginaw, TX
$7,998
Monthly in Austin, TX
$1,381
Difference

Home Values

Saginaw
Austin
$316K
Median Value
$558K
↓ -3.6%
YoY Change
↓ -5%
↑ +22.8%
5-Year Change
↑ +12.6%
$316K
Price Range
$272K - $1.26M

Homes in Austin are 77% more expensive than Saginaw

Calculate payment - SaginawCalculate 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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Saginaw, 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

Austin, 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

Saginaw, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

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.

Environment

Saginaw
Austin
54 Moderate
Air Quality
52 Moderate
35.5%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.5°F
94 days
Heat Days >95°F
98 days
▲+2.7°F
2050 Outlook
▲+2.5°F
94 days
Heat Days >95°F
98 days

Where your money goes further

Cities cheaper than Saginaw, TX on a $150.0K salary

1.Indianapolis, IN
Save $49.34/mo
2.St. Louis, MO
Save $49.34/mo

Similar cost to Austin, TX

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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