Southgate, KY vs San Antonio, TX: Cost of Living

Which city costs less?

San Antonio, TX has a modeled overall cost index 13.1% higher than Southgate, KY.

Southgate, KY · modeled 2BR rent
$1,370 / month
San Antonio, TX · modeled 2BR rent
$1,470 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Southgate, KY and San Antonio, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $1,074/month in San Antonio, TX

$150,000 in your current city has a modeled equivalent of $162,892 in San Antonio, TX

Regional cost estimates: Southgate, KY uses Cincinnati, OH. San Antonio, TX uses San Antonio-New Braunfels, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 13.1%
More expensive
Monthly Impact
$1,074
Extra cost
Annual Impact
$12.9K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Southgate, KY

Population:4K
Cost Index:
80.5
100 = national average
Typical Home:$225K

San Antonio, TX

Population:1547K
Cost Index:
91.0
100 = national average
Typical Home:$215K

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Southgate, KY

The Bluegrass State

4K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 4K 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

Estimated monthly spending: Southgate, KY vs San Antonio, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 24.1%
Southgate, KY
$2,081
San Antonio, TX
$2,583
Difference
$502
more
Other
↑ 13.4%
Southgate, KY
$1,788
San Antonio, TX
$2,027
Difference
$239
more
Transportation
↑ 17.1%
Southgate, KY
$1,352
San Antonio, TX
$1,583
Difference
$231
more
All Utilities
↑ 12.2%
Southgate, KY
$543
San Antonio, TX
$610
Difference
$66.38
more
Groceries
↑ 4.5%
Southgate, KY
$1,075
San Antonio, TX
$1,124
Difference
$48.17
more
Healthcare
↓ 1.8%
Southgate, KY
$660
San Antonio, TX
$648
Difference
$11.67
less

🏠Rent Comparison

Studio
From$970
To$1,110
↑ $140
1 Bed
From$1,060
To$1,210
↑ $150
2 Bed
From$1,370
To$1,470
↑ $100
3 Bed
From$1,810
To$1,890
↑ $80.00
Southgate, KYZIP-level data

1BR range: $1,060–$1,060/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Southgate, KY
$8,574
Monthly in San Antonio, TX
$1,074
Difference

Home Values

Southgate
San Antonio
$225K
Median Value
$215K
↑ +2.6%
YoY Change
↓ -2.9%
↑ +28%
5-Year Change
↑ +16.7%
$225K
Price Range
$107K - $905K

Homes in San Antonio are 5% less expensive than Southgate

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.5K
Per year
Monthly Difference
$625
More take-home
Effective Rate Diff
5.0%
Rate difference

Southgate, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

San Antonio, 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

Additional Tax Information

Southgate, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

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.

Environment

Southgate
San Antonio
52 Moderate
Air Quality
52 Moderate
44.8%
Good Air Days
47.5%
96 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+2.6°F
29 days
Heat Days >95°F
105 days
▲+3.1°F
2050 Outlook
▲+2.6°F
29 days
Heat Days >95°F
105 days

Before moving from Southgate, KY to San Antonio, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in San Antonio, TX for the same bedroom count and included utilities as your home in Southgate, KY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Southgate to San Antonio moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to San Antonio, TX by cost, housing, population and region.

Frequently Asked Questions: Southgate, KY vs San Antonio, TX

How do the cost estimates for Southgate, KY and San Antonio, TX compare?

San Antonio, TX has a modeled overall cost index 13.1% higher than Southgate, KY. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Southgate, KY, the model estimates $162,892 in San Antonio, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Southgate, KY and San Antonio, TX?

The modeled two-bedroom rents are $1,370/month in Southgate, KY and $1,470/month in San Antonio, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

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