Is Austin, TX cheaper than San Ramon, CA?

Based on cost of living data, Austin, TX is 35.3% cheaper than San Ramon, CA. This translates to saving $2645 per month.

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

If you earn $150,000 in San Ramon, CA, you'd need approximately $118,264.886 in Austin, TX to maintain the same standard of living.

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

Housing in Austin, TX is 51.6% cheaper than in San Ramon, CA. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $3,033/month in San Ramon, CA.

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

Moving from San Ramon, CA to Austin, TX could save you approximately $2645 per month, or $31735 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in San Ramon, CA

Numbers update automatically as you type

You'd save $2.6K/month moving to Austin, TX

$150.0K in your current city equals $118.3K in Austin, TX

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

Overall Cost

↓ 35.3%

Less expensive

Monthly Impact

$2,645

Savings

Annual Impact

$31.7K

Per year

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

San Ramon, CA

Population:85K

Cost Index:100

Median Home:$1.36M

Austin, TX

Population:979K

Cost Index:65

Median Home:$558K

San Ramon, CA

The Golden State

85K

Population

State Tax

Yes

Located in California, this city has a population of 85K 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 Ramon, CA vs Austin, TX

Category	San Ramon, CA	Austin, TX	Difference	Change
🏠Housing	$5,954/mo	$2,885/mo	↓ $3,069less	51.6%
🚗Transportation	$2,081/mo	$1,284/mo	↓ $797less	38.3%
🛒Groceries	$1,138/mo	$959/mo	↓ $179less	15.7%
🏥Healthcare	$694/mo	$589/mo	↓ $105less	15.1%
⚡All Utilities	$440/mo	$541/mo	↑ $101more	22.9%
📦Other	$1,808/mo	$1,741/mo	↓ $66.89less	3.7%

🏠Housing

↓ 51.6%

San Ramon, CA

$5,954

Austin, TX

$2,885

Difference

$3,069

less

🚗Transportation

↓ 38.3%

San Ramon, CA

$2,081

Austin, TX

$1,284

Difference

$797

less

🛒Groceries

↓ 15.7%

San Ramon, CA

$1,138

Austin, TX

$959

Difference

$179

less

🏥Healthcare

↓ 15.1%

San Ramon, CA

$694

Austin, TX

$589

Difference

$105

less

⚡All Utilities

↑ 22.9%

San Ramon, CA

$440

Austin, TX

$541

Difference

$101

📦Other

↓ 3.7%

San Ramon, CA

$1,808

Austin, TX

$1,741

Difference

$66.89

less

🏠Rent Comparison

Studio

From$2,229

To$1,585

↓ $644

1 Bed

From$2,483

To$1,685

↓ $798

2 Bed

From$3,033

To$1,995

↓ $1,038

3 Bed

From$3,877

To$2,525

↓ $1,352

San Ramon, CAZIP-level data

1BR range: $3,030–$3,030/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.

$12,115

Monthly in San Ramon, CA

$7,998

Monthly in Austin, TX

$4,116

Difference

Home Values

San Ramon

Austin

$1.36M

Median Value

$558K

↓ -7.4%

YoY Change

↓ -5%

↑ +31.1%

5-Year Change

↑ +12.6%

$1.36M

Price Range

$272K - $1.26M

Homes in Austin are 59% less expensive than San Ramon

Calculate payment - San Ramon 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 Ramon, 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 Ramon, 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.