Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd spend $51.48/month more in Raleigh, NC

$150.0K in your current city equals $150.6K in Raleigh, NC

Rent data from HUD ZIP-level estimates Β· COL index from Austin-Round Rock-Georgetown, TX area
Overall Cost
↑ 0.7%
More expensive
Monthly Impact
$51.48
Extra cost
Annual Impact
$618
Per year

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

San Marcos, TX

Population:72K
Cost Index:
100
100 = national average
Median Home:$311K

Raleigh, NC

Population:474K
Cost Index:
101
(1% above avg)
Median Home:$512K

San Marcos, TX

The Lone Star State

72K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 72K residents.

πŸ’‘ Advantage: Texas has no state income tax!

Raleigh, NC

The Tar Heel State

474K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • β€’Research Triangle
  • β€’State capital
  • β€’Major university town

Major Industries

TechnologyResearchEducationGovernment

Cost Breakdown by Category

Annual spending: San Marcos, TX vs Raleigh, NC

Transportation
↑ 6.9%
San Marcos, TX
$1,201
Raleigh, NC
$1,284
Difference
$83.04
more
Other
↑ 4.9%
San Marcos, TX
$1,628
Raleigh, NC
$1,707
Difference
$79.11
more
Housing
↑ 1.7%
San Marcos, TX
$2,428
Raleigh, NC
$2,469
Difference
$40.56
more
Healthcare
↑ 5.6%
San Marcos, TX
$569
Raleigh, NC
$601
Difference
$31.74
more
Groceries
↑ 3.4%
San Marcos, TX
$928
Raleigh, NC
$959
Difference
$31.54
more
All Utilities
↑ 4.4%
San Marcos, TX
$523
Raleigh, NC
$546
Difference
$23.25
more

🏠Rent Comparison

Studio
From$930
To$1,570
↑ $640
1 Bed
From$994
To$1,640
↑ $646
2 Bed
From$1,177
To$1,800
↑ $623
3 Bed
From$1,495
To$2,255
↑ $760
San Marcos, TXZIP-level data

1BR range: $1,250–$1,250/mo

Raleigh, NCZIP-level data

1BR range: $1,400–$1,880/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.

$7,278
Monthly in San Marcos, TX
$7,567
Monthly in Raleigh, NC
$289
Difference

Home Values

San Marcos
Raleigh
$311K
Median Value
$512K
↓ -4.3%
YoY Change
↓ -0.5%
↑ +15.8%
5-Year Change
↑ +38.2%
$311K
Price Range
$314K - $992K

Homes in Raleigh are 64% more expensive than San Marcos

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.1K
More taxes
Monthly Difference
$594
Less take-home
Effective Rate Diff
4.7%
Rate difference

San Marcos, 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

Raleigh, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

Additional Tax Information

San Marcos, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Raleigh, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

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 Marcos
Raleigh
52 Moderate
Air Quality
46 Good
42.6%
Good Air Days
61.7%
98 High
Climate Risk
96 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.5Β°F
2050 Outlook
β–²+2.8Β°F
98 days
Heat Days >95Β°F
31 days
β–²+2.5Β°F
2050 Outlook
β–²+2.8Β°F
98 days
Heat Days >95Β°F
31 days

What to Consider When Moving from San Marcos, TX to Raleigh, NC

Relocating from San Marcos, TX to Raleigh, NC involves more than just comparing rent prices. While the overall cost of living is roughly 1% higher in Raleigh, NC, 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 Raleigh, NC is 2% more expensive than in San Marcos, 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 Raleigh, NC 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 Raleigh, NC to match your current standard of living in San Marcos, 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 Raleigh, NC for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: San Marcos, TX vs Raleigh, NC

Is Raleigh, NC cheaper than San Marcos, TX?

Raleigh, NC is approximately 0.7% more expensive than San Marcos, TX overall. On a $150,000 salary, that translates to roughly $51.48/month in additional expenses. Housing is the biggest factor, costing 2% more in Raleigh, NC.

What salary do I need in Raleigh, NC to match my lifestyle in San Marcos, TX?

If you currently earn $150,000 in San Marcos, TX, you would need approximately $150,618 in Raleigh, NC 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 Marcos, TX and Raleigh, NC?

A two-bedroom apartment averages $1,177/month in San Marcos, TX compared to $1,800/month in Raleigh, NC. One-bedroom apartments are $994/month in San Marcos, TX vs $1,640/month in Raleigh, NC. 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 Marcos, TX or Raleigh, NC?

Groceries are about 3% more expensive in Raleigh, NC than in San Marcos, TX, which adds roughly $31.54/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from San Marcos, TX to Raleigh, NC?

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 North Carolina on TaxTakeHome.com

Similar cost to Raleigh, NC

Other cities in a similar price range

Want to compare different cities?

New Comparison