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Cost of Living Comparison 2026

📍 Schertz, TX — COL adjusted from San Antonio, TX area + state data

$

Numbers update automatically as you type

You'd spend $2.3K/month more in Denver, CO

$150.0K in your current city equals $178.0K in Denver, CO

Rent data from HUD ZIP-level estimates · COL index from San Antonio-New Braunfels, TX area
Overall Cost
↑ 31.1%
More expensive
Monthly Impact
$2,330
Extra cost
Annual Impact
$28.0K
Per year

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

Schertz, TX

Population:43K
Cost Index:100
Median Home:$215K

Denver, CO

Population:716K
Cost Index:131
Median Home:$513K

Schertz, TX

The Lone Star State

43K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 43K residents.

💡 Advantage: Texas has no state income tax!

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • •Mile-high city (5,280 ft)
  • •Outdoor recreation hub
  • •Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Schertz, TX vs Denver, CO

🏠Housing
↑ 86.4%
Schertz, TX
$1,743
Denver, CO
$3,248
Difference
$1,505
more
🚗Transportation
↑ 23.2%
Schertz, TX
$1,187
Denver, CO
$1,462
Difference
$275
more
📦Other
↑ 16.8%
Schertz, TX
$1,519
Denver, CO
$1,774
Difference
$255
more
🛒Groceries
↑ 17.3%
Schertz, TX
$877
Denver, CO
$1,029
Difference
$152
more
🏥Healthcare
↑ 25.0%
Schertz, TX
$506
Denver, CO
$632
Difference
$126
more
⚡All Utilities
↑ 9.1%
Schertz, TX
$476
Denver, CO
$519
Difference
$43.14
more

🏛️ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Schertz, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$588
To$1,720
↑ $1,132
1 Bed
From$666
To$1,840
↑ $1,174
2 Bed
From$823
To$2,190
↑ $1,367
3 Bed
From$1,137
To$2,870
↑ $1,733
Denver, COZIP-level data

1BR range: $1,620–$2,540/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.

$6,308
Monthly in Schertz, TX
$8,665
Monthly in Denver, CO
$2,357
Difference

Home Values

Schertz
Denver
-
Median Value
$513K
-
YoY Change
↓ -4.2%
-
5-Year Change
↑ +13%
-
Price Range
$352K - $933K
Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $6.6K
More taxes
Monthly Difference
$550
Less take-home
Effective Rate Diff
4.4%
Rate difference

Schertz, 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

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

Schertz, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

💡 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

Schertz
Denver
52 Moderate
Air Quality
55 Moderate
47.5%
Good Air Days
35.2%
99 High
Climate Risk
95 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.6°F
2050 Outlook
▲+3.3°F
105 days
Heat Days >95°F
28 days
▲+2.6°F
2050 Outlook
▲+3.3°F
105 days
Heat Days >95°F
28 days

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

Similar cost to Denver, CO

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