Is Austin, TX cheaper than San Pablo, CA?

Based on cost of living data, Austin, TX is 33.8% cheaper than San Pablo, CA. This translates to saving $2533 per month.

What salary do I need in Austin, TX to live like I do in San Pablo, CA?

If you earn $150,000 in San Pablo, CA, you'd need approximately $119,606.996 in Austin, TX to maintain the same standard of living.

How does housing cost compare between San Pablo, CA and Austin, TX?

Housing in Austin, TX is 50.4% cheaper than in San Pablo, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,011/month in San Pablo, CA.

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

Moving from San Pablo, CA to Austin, TX could save you approximately $2533 per month, or $30393 per year, based on a $150,000 salary.

San Pablo, CA vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 San Pablo, CA — ZIP-level rent data · COL adjusted from Oakland, CA area

Current salary in San Pablo, CA

Numbers update automatically as you type

You'd save $2.5K/month moving to Austin, TX

$150.0K in your current city equals $119.6K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 33.8%

Less expensive

Monthly Impact

$2,533

Savings

Annual Impact

$30.4K

Per year

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

San Pablo, CA

Population:31K

Cost Index:100

Median Home:$562K

Austin, TX

Population:979K

Cost Index:66

Median Home:$558K

San Pablo, CA

The Golden State

31K

Population

State Tax

Yes

Located in California, this city has a population of 31K residents.

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: San Pablo, CA vs Austin, TX

Category	San Pablo, CA	Austin, TX	Difference	Change
🏠Housing	$5,820/mo	$2,885/mo	↓ $2,935less	50.4%
🚗Transportation	$2,034/mo	$1,284/mo	↓ $750less	36.9%
🛒Groceries	$1,125/mo	$959/mo	↓ $166less	14.8%
⚡All Utilities	$435/mo	$541/mo	↑ $106more	24.4%
🏥Healthcare	$686/mo	$589/mo	↓ $97.13less	14.2%
📦Other	$1,767/mo	$1,741/mo	↓ $26.18less	1.5%

🏠Housing

↓ 50.4%

San Pablo, CA

$5,820

Austin, TX

$2,885

Difference

$2,935

less

🚗Transportation

↓ 36.9%

San Pablo, CA

$2,034

Austin, TX

$1,284

Difference

$750

less

🛒Groceries

↓ 14.8%

San Pablo, CA

$1,125

Austin, TX

$959

Difference

$166

less

⚡All Utilities

↑ 24.4%

San Pablo, CA

$435

Austin, TX

$541

Difference

$106

🏥Healthcare

↓ 14.2%

San Pablo, CA

$686

Austin, TX

$589

Difference

$97.13

less

📦Other

↓ 1.5%

San Pablo, CA

$1,767

Austin, TX

$1,741

Difference

$26.18

less

🏠Rent Comparison

Studio

From$1,482

To$1,585

↑ $103

1 Bed

From$1,650

To$1,685

↑ $35.00

2 Bed

From$2,011

To$1,995

↓ $16.00

3 Bed

From$2,572

To$2,525

↓ $47.00

San Pablo, CAZIP-level data

1BR range: $2,060–$2,060/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.

$11,867

Monthly in San Pablo, CA

$7,998

Monthly in Austin, TX

$3,869

Difference

Home Values

San Pablo

Austin

$562K

Median Value

$558K

↓ -6.9%

YoY Change

↓ -5%

↑ +3.9%

5-Year Change

↑ +12.6%

$562K

Price Range

$272K - $1.26M

Homes in Austin are 1% less expensive than San Pablo

Calculate payment - San Pablo Calculate payment - Austin

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 Pablo, 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

Austin, 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 Pablo, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.