Is Austin, TX cheaper than Saratoga Springs, NY?

Based on cost of living data, Austin, TX is 7.9% more expensive than Saratoga Springs, NY. This translates to spending an extra $592 per month.

What salary do I need in Austin, TX to live like I do in Saratoga Springs, NY?

If you earn $150,000 in Saratoga Springs, NY, you'd need approximately $157,103.396 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Saratoga Springs, NY and Austin, TX?

Housing in Austin, TX is 5.2% cheaper than in Saratoga Springs, NY. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,688/month in Saratoga Springs, NY.

How much can I save per month by moving from Saratoga Springs, NY to Austin, TX?

Living in Austin, TX costs approximately $592 more per month than Saratoga Springs, NY, or $7103 more per year, based on a $150,000 salary.

Saratoga Springs, NY vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Saratoga Springs, NY — COL adjusted from Boston, MA area + state data

Current salary in Saratoga Springs, NY

Numbers update automatically as you type

You'd spend $592/month more in Austin, TX

$150.0K in your current city equals $157.1K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Albany-Schenectady-Troy, NY area

Overall Cost

↑ 7.9%

More expensive

Monthly Impact

$592

Extra cost

Annual Impact

$7.1K

Per year

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

Saratoga Springs, NY

Population:29K

Cost Index:100

Median Home:$961K

Austin, TX

Population:979K

Cost Index:108

Median Home:$558K

Saratoga Springs, NY

The Empire State

29K

Population

State Tax

Yes

Located in New York, this city has a population of 29K 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: Saratoga Springs, NY vs Austin, TX

Category	Saratoga Springs, NY	Austin, TX	Difference	Change
📦Other	$1,169/mo	$1,741/mo	↑ $572more	48.9%
🏠Housing	$3,042/mo	$2,885/mo	↓ $157less	5.2%
🚗Transportation	$1,173/mo	$1,284/mo	↑ $111more	9.5%
🛒Groceries	$864/mo	$959/mo	↑ $95.45more	11.0%
⚡All Utilities	$573/mo	$541/mo	↓ $32.01less	5.6%
🏥Healthcare	$595/mo	$589/mo	↓ $6.52less	1.1%

📦Other

↑ 48.9%

Saratoga Springs, NY

$1,169

Austin, TX

$1,741

Difference

$572

🏠Housing

↓ 5.2%

Saratoga Springs, NY

$3,042

Austin, TX

$2,885

Difference

$157

less

🚗Transportation

↑ 9.5%

Saratoga Springs, NY

$1,173

Austin, TX

$1,284

Difference

$111

🛒Groceries

↑ 11.0%

Saratoga Springs, NY

$864

Austin, TX

$959

Difference

$95.45

⚡All Utilities

↓ 5.6%

Saratoga Springs, NY

$573

Austin, TX

$541

Difference

$32.01

less

🏥Healthcare

↓ 1.1%

Saratoga Springs, NY

$595

Austin, TX

$589

Difference

$6.52

less

🏠Rent Comparison

Studio

From$1,171

To$1,585

↑ $414

1 Bed

From$1,362

To$1,685

↑ $323

2 Bed

From$1,688

To$1,995

↑ $307

3 Bed

From$2,178

To$2,525

↑ $347

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.

$7,416

Monthly in Saratoga Springs, NY

$7,998

Monthly in Austin, TX

$583

Difference

Home Values

Saratoga Springs

Austin

Median Value

$558K

YoY Change

↓ -5%

5-Year Change

↑ +12.6%

Price Range

$272K - $1.26M

Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Saratoga Springs, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Saratoga Springs, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.