Is San Antonio, TX cheaper than St. Charles, IL?

Based on cost of living data, San Antonio, TX is 5.8% cheaper than St. Charles, IL. This translates to saving $436 per month.

What salary do I need in San Antonio, TX to live like I do in St. Charles, IL?

If you earn $150,000 in St. Charles, IL, you'd need approximately $144,765.165 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between St. Charles, IL and San Antonio, TX?

Housing in San Antonio, TX is 14.9% cheaper than in St. Charles, IL. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,839/month in St. Charles, IL.

How much can I save per month by moving from St. Charles, IL to San Antonio, TX?

Moving from St. Charles, IL to San Antonio, TX could save you approximately $436 per month, or $5235 per year, based on a $150,000 salary.

St. Charles, IL vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Charles, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in St. Charles, IL

Numbers update automatically as you type

You'd save $436/month moving to San Antonio, TX

$150.0K in your current city equals $144.8K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↓ 5.8%

Less expensive

Monthly Impact

$436

Savings

Annual Impact

$5.2K

Per year

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

St. Charles, IL

Population:33K

Cost Index:100

Median Home:$509K

San Antonio, TX

Population:1547K

Cost Index:94

Median Home:$215K

St. Charles, IL

The Prairie State

33K

Population

State Tax

Yes

Located in Illinois, this city has a population of 33K 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: St. Charles, IL vs San Antonio, TX

Category	St. Charles, IL	San Antonio, TX	Difference	Change
🏠Housing	$2,467/mo	$2,100/mo	↓ $367less	14.9%
🚗Transportation	$1,502/mo	$1,287/mo	↓ $215less	14.3%
📦Other	$1,571/mo	$1,647/mo	↑ $76.18more	4.8%
🛒Groceries	$973/mo	$913/mo	↓ $59.73less	6.1%
🏥Healthcare	$562/mo	$527/mo	↓ $35.68less	6.3%
⚡All Utilities	$491/mo	$496/mo	↑ $4.84more	1.0%

🏠Housing

↓ 14.9%

St. Charles, IL

$2,467

San Antonio, TX

$2,100

Difference

$367

less

🚗Transportation

↓ 14.3%

St. Charles, IL

$1,502

San Antonio, TX

$1,287

Difference

$215

less

📦Other

↑ 4.8%

St. Charles, IL

$1,571

San Antonio, TX

$1,647

Difference

$76.18

🛒Groceries

↓ 6.1%

St. Charles, IL

$973

San Antonio, TX

$913

Difference

$59.73

less

🏥Healthcare

↓ 6.3%

St. Charles, IL

$562

San Antonio, TX

$527

Difference

$35.68

less

⚡All Utilities

↑ 1.0%

St. Charles, IL

$491

San Antonio, TX

$496

Difference

$4.84

🏠Rent Comparison

Studio

From$1,527

To$1,110

↓ $417

1 Bed

From$1,633

To$1,210

↓ $423

2 Bed

From$1,839

To$1,470

↓ $369

3 Bed

From$2,367

To$1,890

↓ $477

St. Charles, ILZIP-level data

1BR range: $1,930–$2,370/mo

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.

$7,566

Monthly in St. Charles, IL

$6,969

Monthly in San Antonio, TX

$596

Difference

Home Values

St. Charles

San Antonio

$509K

Median Value

$215K

↑ +4.8%

YoY Change

↓ -2.9%

↑ +45.8%

5-Year Change

↑ +16.7%

$411K - $608K

Price Range

$107K - $905K

Homes in San Antonio are 58% less expensive than St. Charles

Calculate payment - St. Charles Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

4.9%

Rate difference

St. Charles, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

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

St. Charles, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.