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Cost of Living Comparison 2026

Comparing San Antonio, TX to Oklahoma City, OK comes down to more than just the sticker price. San Antonio's hot summers with mild winters contrasts with Oklahoma City's hot summers with cold winters, and the cost differences reflect those lifestyles.

Data: HUD rent estimates, BLS cost of living

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You'd save $330/month moving to Oklahoma City, OK

$150.0K in your current city equals $146.0K in Oklahoma City, OK

Rent data from HUD ZIP-level estimates Β· COL index from San Antonio-New Braunfels, TX area
Overall Cost
↓ 4.4%
Less expensive
Monthly Impact
$330
Savings
Annual Impact
$4.0K
Per year

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

San Antonio, TX

Population:1547K
Cost Index:
100
100 = national average
Median Home:$215K

Oklahoma City, OK

Population:696K
Cost Index:
96
(4% below avg)
Median Home:$197K

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!

Oklahoma City, OK

The Sooner State

696K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 696K residents.

Cost Breakdown by Category

Annual spending: San Antonio, TX vs Oklahoma City, OK

Housing
↓ 8.4%
San Antonio, TX
$2,100
Oklahoma City, OK
$1,923
Difference
$177
less
Other
↓ 3.5%
San Antonio, TX
$1,647
Oklahoma City, OK
$1,590
Difference
$56.92
less
Healthcare
↑ 4.7%
San Antonio, TX
$527
Oklahoma City, OK
$551
Difference
$24.78
more
All Utilities
↑ 4.7%
San Antonio, TX
$496
Oklahoma City, OK
$519
Difference
$23.50
more
Transportation
↓ 1.3%
San Antonio, TX
$1,287
Oklahoma City, OK
$1,270
Difference
$16.39
less
Groceries
↓ 1.5%
San Antonio, TX
$913
Oklahoma City, OK
$899
Difference
$13.99
less

🏠Rent Comparison

Studio
From$1,110
To$960
↓ $150
1 Bed
From$1,210
To$1,040
↓ $170
2 Bed
From$1,470
To$1,270
↓ $200
3 Bed
From$1,890
To$1,710
↓ $180
San Antonio, TXZIP-level data

1BR range: $840–$1,770/mo

Oklahoma City, OKZIP-level data

1BR range: $780–$1,530/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.

$6,969
Monthly in San Antonio, TX
$6,754
Monthly in Oklahoma City, OK
$216
Difference

Home Values

San Antonio
Oklahoma City
$215K
Median Value
$197K
↓ -2.9%
YoY Change
↓ -0.3%
↑ +16.7%
5-Year Change
↑ +29.5%
$107K - $905K
Price Range
$92K - $623K

Homes in Oklahoma City are 8% less expensive than San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.3K
More taxes
Monthly Difference
$607
Less take-home
Effective Rate Diff
4.9%
Rate difference

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

Oklahoma City, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

San Antonio, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Oklahoma City, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

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

San Antonio
Oklahoma City
52 Moderate
Air Quality
52 Moderate
47.5%
Good Air Days
47%
99 High
Climate Risk
98 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.6Β°F
2050 Outlook
β–²+3.1Β°F
105 days
Heat Days >95Β°F
67 days
β–²+2.6Β°F
2050 Outlook
β–²+3.1Β°F
105 days
Heat Days >95Β°F
67 days

What to Consider When Moving from San Antonio, TX to Oklahoma City, OK

Relocating from San Antonio, TX to Oklahoma City, OK involves more than just comparing rent prices. While the overall cost of living is about 4% lower in Oklahoma City, OK, 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 Oklahoma City, OK is 8% cheaper than in San Antonio, TX. 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 Oklahoma City, OK 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 Oklahoma City, OK to match your current standard of living in San Antonio, TX.

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 Oklahoma City, OK for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: San Antonio, TX vs Oklahoma City, OK

Is Oklahoma City, OK cheaper than San Antonio, TX?

Yes, Oklahoma City, OK is about 4.4% cheaper than San Antonio, TX. You could save approximately $330/month on a $150,000 salary. Housing costs are 8% lower in Oklahoma City, OK.

What salary do I need in Oklahoma City, OK to match my lifestyle in San Antonio, TX?

If you currently earn $150,000 in San Antonio, TX, you would need approximately $146,044 in Oklahoma City, OK 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 San Antonio, TX and Oklahoma City, OK?

A two-bedroom apartment averages $1,470/month in San Antonio, TX compared to $1,270/month in Oklahoma City, OK. One-bedroom apartments are $1,210/month in San Antonio, TX vs $1,040/month in Oklahoma City, OK. 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 San Antonio, TX or Oklahoma City, OK?

Groceries are about 2% cheaper in Oklahoma City, OK than in San Antonio, TX, saving a typical household roughly $13.99/month on food.

What is the best time to move from San Antonio, TX to Oklahoma City, OK?

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 Texas and Oklahoma on TaxTakeHome.com

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