Is San Antonio, TX cheaper than San Jose, CA?

Based on cost of living data, San Antonio, TX is 54.7% cheaper than San Jose, CA. This translates to saving $4104 per month.

What salary do I need in San Antonio, TX to live like I do in San Jose, CA?

If you earn $150,000 in San Jose, CA, you'd need approximately $100,746.269 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between San Jose, CA and San Antonio, TX?

Housing in San Antonio, TX is 78.3% cheaper than in San Jose, CA. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $3,445/month in San Jose, CA.

How much can I save per month by moving from San Jose, CA to San Antonio, TX?

Moving from San Jose, CA to San Antonio, TX could save you approximately $4104 per month, or $49254 per year, based on a $150,000 salary.

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San Jose, CA

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San Antonio, TX

Cost of Living Comparison 2026

Current salary in San Jose, CA

Numbers update automatically as you type

You'd save $4.1K/month moving to San Antonio, TX

$150.0K in your current city equals $100.7K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 54.7%

Less expensive

Monthly Impact

$4,104

Savings

Annual Impact

$49.3K

Per year

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

San Jose, CA

Population:1013K

Cost Index:100

Median Home:$1.35M

San Antonio, TX

Population:1547K

Cost Index:45

Median Home:$215K

San Jose, CA

The Golden State

1.0M

Population

State Tax

Yes

Located in California, this city has a population of 1.0M 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.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: San Jose, CA vs San Antonio, TX

Category	San Jose, CA	San Antonio, TX	Difference	Change
🏠Housing	$9,667/mo	$2,100/mo	↓ $7,567less	78.3%
🛒Groceries	$1,129/mo	$913/mo	↓ $216less	19.1%
🏥Healthcare	$706/mo	$527/mo	↓ $180less	25.4%
📦Other	$1,825/mo	$1,647/mo	↓ $177less	9.7%
🚗Transportation	$1,407/mo	$1,287/mo	↓ $120less	8.5%
⚡All Utilities	$464/mo	$496/mo	↑ $31.15more	6.7%

🏠Housing

↓ 78.3%

San Jose, CA

$9,667

San Antonio, TX

$2,100

Difference

$7,567

less

🛒Groceries

↓ 19.1%

San Jose, CA

$1,129

San Antonio, TX

$913

Difference

$216

less

🏥Healthcare

↓ 25.4%

San Jose, CA

$706

San Antonio, TX

$527

Difference

$180

less

📦Other

↓ 9.7%

San Jose, CA

$1,825

San Antonio, TX

$1,647

Difference

$177

less

🚗Transportation

↓ 8.5%

San Jose, CA

$1,407

San Antonio, TX

$1,287

Difference

$120

less

⚡All Utilities

↑ 6.7%

San Jose, CA

$464

San Antonio, TX

$496

Difference

$31.15

🏠Rent Comparison

Studio

From$2,590

To$1,110

↓ $1,480

1 Bed

From$2,950

To$1,210

↓ $1,740

2 Bed

From$3,445

To$1,470

↓ $1,975

3 Bed

From$4,550

To$1,890

↓ $2,660

San Jose, CAZIP-level data

1BR range: $2,190–$4,060/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/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.

$15,199

Monthly in San Jose, CA

$6,969

Monthly in San Antonio, TX

$8,230

Difference

Home Values

San Jose

San Antonio

$1.35M

Median Value

$215K

↓ -2.5%

YoY Change

↓ -2.9%

↑ +35.5%

5-Year Change

↑ +16.7%

$671K - $2.59M

Price Range

$107K - $905K

Homes in San Antonio are 84% less expensive than San Jose

Calculate payment - San Jose Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

San Jose, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

San Antonio, 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

San Jose, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

San Antonio, 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.