Is San Antonio, TX cheaper than Silver Spring, MD?

Based on cost of living data, San Antonio, TX is 37.2% cheaper than Silver Spring, MD. This translates to saving $2791 per month.

What salary do I need in San Antonio, TX to live like I do in Silver Spring, MD?

If you earn $150,000 in Silver Spring, MD, you'd need approximately $116,509.251 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Silver Spring, MD and San Antonio, TX?

Housing in San Antonio, TX is 60.6% cheaper than in Silver Spring, MD. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $2,269/month in Silver Spring, MD.

How much can I save per month by moving from Silver Spring, MD to San Antonio, TX?

Moving from Silver Spring, MD to San Antonio, TX could save you approximately $2791 per month, or $33491 per year, based on a $150,000 salary.

Silver Spring, MD vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Silver Spring, MD — COL adjusted from Washington, DC area + state data

Current salary in Silver Spring, MD

Numbers update automatically as you type

You'd save $2.8K/month moving to San Antonio, TX

$150.0K in your current city equals $116.5K in San Antonio, TX

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

Overall Cost

↓ 37.2%

Less expensive

Monthly Impact

$2,791

Savings

Annual Impact

$33.5K

Per year

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

Silver Spring, MD

Population:81K

Cost Index:100

Median Home:$556K

San Antonio, TX

Population:1547K

Cost Index:63

Median Home:$215K

Silver Spring, MD

The Old Line State

81K

Population

State Tax

Yes

Located in Maryland, this city has a population of 81K residents.

San Antonio, TX

The Lone Star State

1.5M

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 1.5M residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Silver Spring, MD vs San Antonio, TX

Category	Silver Spring, MD	San Antonio, TX	Difference	Change
🏠Housing	$5,330/mo	$2,100/mo	↓ $3,230less	60.6%
🚗Transportation	$1,797/mo	$1,287/mo	↓ $511less	28.4%
🛒Groceries	$1,054/mo	$913/mo	↓ $140less	13.3%
📦Other	$1,740/mo	$1,647/mo	↓ $92.60less	5.3%
🏥Healthcare	$617/mo	$527/mo	↓ $90.46less	14.7%
⚡All Utilities	$496/mo	$496/mo	↓ $0.61less	0.1%

🏠Housing

↓ 60.6%

Silver Spring, MD

$5,330

San Antonio, TX

$2,100

Difference

$3,230

less

🚗Transportation

↓ 28.4%

Silver Spring, MD

$1,797

San Antonio, TX

$1,287

Difference

$511

less

🛒Groceries

↓ 13.3%

Silver Spring, MD

$1,054

San Antonio, TX

$913

Difference

$140

less

📦Other

↓ 5.3%

Silver Spring, MD

$1,740

San Antonio, TX

$1,647

Difference

$92.60

less

🏥Healthcare

↓ 14.7%

Silver Spring, MD

$617

San Antonio, TX

$527

Difference

$90.46

less

⚡All Utilities

↓ 0.1%

Silver Spring, MD

$496

San Antonio, TX

$496

Difference

$0.61

less

🏠Rent Comparison

Studio

From$1,540

To$1,110

↓ $430

1 Bed

From$1,783

To$1,210

↓ $573

2 Bed

From$2,269

To$1,470

↓ $799

3 Bed

From$3,161

To$1,890

↓ $1,271

San Antonio, TXZIP-level data

1BR range: $840–$1,770/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.

$11,034

Monthly in Silver Spring, MD

$6,969

Monthly in San Antonio, TX

$4,065

Difference

Home Values

Silver Spring

San Antonio

Median Value

$215K

YoY Change

↓ -2.9%

5-Year Change

↑ +16.7%

Price Range

$107K - $905K

Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.3K

Per year

Monthly Difference

$605

More take-home

Effective Rate Diff

4.8%

Rate difference

Silver Spring, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

San Antonio, 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

Silver Spring, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

San Antonio, 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.