San Luis, AZ vs Seguin, TX: Cost of Living

Which city costs less?

Seguin, TX has a modeled overall cost index 18.5% lower than San Luis, AZ.

San Luis, AZ · modeled 2BR rent: $1,240 / month
Seguin, TX · modeled 2BR rent: $1,260 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare San Luis, AZ and Seguin, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in San Luis, AZ

Numbers update automatically as you type

Estimated savings: $1,455/month in Seguin, TX

$150,000 in your current city has a modeled equivalent of $132,545 in Seguin, TX

Regional cost estimates: San Luis, AZ uses Chula Vista, CA. Seguin, TX uses San Antonio, TX. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 18.5%

Less expensive

Monthly Impact

$1,455

Savings

Annual Impact

$17.5K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

San Luis, AZ

Population:38K

Cost Index:

102.7

100 = national average

Typical Home:$257K

Seguin, TX

Population:36K

Cost Index:

83.7

100 = national average

Typical Home:$268K

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San Luis, AZ

The Grand Canyon State

38K

Population

State Tax

Yes

Located in Arizona, this city has a population of 38K residents.

Seguin, TX

The Lone Star State

36K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 36K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: San Luis, AZ vs Seguin, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	San Luis, AZ	Seguin, TX	Difference	Change
Housing	$3,221/mo	$1,670/mo	↓ $1,551less	48.2%
Other	$1,296/mo	$1,456/mo	↑ $160more	12.3%
Transportation	$1,076/mo	$1,137/mo	↑ $60.79more	5.6%
All Utilities	$514/mo	$457/mo	↓ $57.59less	11.2%
Groceries	$875/mo	$841/mo	↓ $34.03less	3.9%
Healthcare	$518/mo	$485/mo	↓ $32.50less	6.3%

Housing

↓ 48.2%

San Luis, AZ

$3,221

Seguin, TX

$1,670

Difference

$1,551

less

Other

↑ 12.3%

San Luis, AZ

$1,296

Seguin, TX

$1,456

Difference

$160

Transportation

↑ 5.6%

San Luis, AZ

$1,076

Seguin, TX

$1,137

Difference

$60.79

All Utilities

↓ 11.2%

San Luis, AZ

$514

Seguin, TX

$457

Difference

$57.59

less

Groceries

↓ 3.9%

San Luis, AZ

$875

Seguin, TX

$841

Difference

$34.03

less

Healthcare

↓ 6.3%

San Luis, AZ

$518

Seguin, TX

$485

Difference

$32.50

less

🏠Rent Comparison

Studio

From$940

To$950

↑ $10.00

1 Bed

From$950

To$1,040

↑ $90.00

2 Bed

From$1,240

To$1,260

↑ $20.00

3 Bed

From$1,690

To$1,620

↓ $70.00

San Luis, AZZIP-level data

1BR range: $950–$950/mo

Seguin, TXZIP-level data

1BR range: $1,040–$1,040/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in San Luis, AZ

$6,045

Monthly in Seguin, TX

$1,455

Difference

Home Values

San Luis

Seguin

$257K

Median Value

$268K

↑ +3.1%

YoY Change

↓ -2.7%

↑ +51.9%

5-Year Change

↑ +14.2%

Homes in Seguin are 4% more expensive than San Luis

Calculate payment - San Luis Calculate payment - Seguin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.2K

Per year

Monthly Difference

$436

More take-home

Effective Rate Diff

3.5%

Rate difference

San Luis, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Seguin, 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 Luis, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

Seguin, 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

San Luis

Seguin

71 Moderate

Air Quality

52 Moderate

12.8%

Good Air Days

47.5%

100 Very High

Climate Risk

99 High

🔥🌊🌡

Top Hazards

🌊🌡🌪

▲+2.0°F

2050 Outlook

▲+2.6°F

1 days

Heat Days >95°F

105 days

▲+2.0°F

2050 Outlook

▲+2.6°F

1 days

Heat Days >95°F

105 days

Before moving from San Luis, AZ to Seguin, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Seguin, TX for the same bedroom count and included utilities as your home in San Luis, AZ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your San Luis to Seguin moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Seguin, TX by cost, housing, population and region.

Frequently Asked Questions: San Luis, AZ vs Seguin, TX

How do the cost estimates for San Luis, AZ and Seguin, TX compare?

Seguin, TX has a modeled overall cost index 18.5% lower than San Luis, AZ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in San Luis, AZ, the model estimates $132,545 in Seguin, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for San Luis, AZ and Seguin, TX?

The modeled two-bedroom rents are $1,240/month in San Luis, AZ and $1,260/month in Seguin, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Arizona and Texas on TaxTakeHome.com