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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $465/month more in Austin, TX

$150.0K in your current city equals $155.6K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
6.2%
More expensive
Monthly Impact
$465
Extra cost
Annual Impact
$5.6K
Per year

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

Sun City, AZ

Population:40K
Cost Index:
100
100 = national average
Median Home:$398K

Austin, TX

Population:979K
Cost Index:
106
(6% above avg)
Median Home:$558K

Sun City, AZ

The Grand Canyon State

40K
Population
State Tax
Yes

Located in Arizona, this city has a population of 40K 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: Sun City, AZ vs Austin, TX

Housing
28.4%
Sun City, AZ
$2,246
Austin, TX
$2,885
Difference
$639
more
Transportation
10.2%
Sun City, AZ
$1,430
Austin, TX
$1,284
Difference
$146
less
Other
8.3%
Sun City, AZ
$1,608
Austin, TX
$1,741
Difference
$133
more
Groceries
2.0%
Sun City, AZ
$940
Austin, TX
$959
Difference
$19.23
more
Healthcare
2.0%
Sun City, AZ
$577
Austin, TX
$589
Difference
$11.80
more
All Utilities
1.0%
Sun City, AZ
$535
Austin, TX
$541
Difference
$5.49
more

🏠Rent Comparison

Studio
From$775
To$1,585
$810
1 Bed
From$898
To$1,685
$787
2 Bed
From$1,143
To$1,995
$852
3 Bed
From$1,633
To$2,525
$892
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.

$7,336
Monthly in Sun City, AZ
$7,998
Monthly in Austin, TX
$663
Difference

Home Values

Sun City
Austin
-
Median Value
$558K
-
YoY Change
↓ -5%
-
5-Year Change
↑ +12.6%
-
Price Range
$272K - $1.26M

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$5.2K
Per year
Monthly Difference
$436
More take-home
Effective Rate Diff
3.5%
Rate difference

Sun City, AZ

Federal Income Tax
Effective: 18.9%
$25.5K
Arizona State Tax
Effective: 3.5%
$5.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.2%
$42.2K
Take-Home Pay
$8,979/month
$107.8K

Austin, 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

Sun City, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

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.

Environment

Sun City
Austin
77 Moderate
Air Quality
52 Moderate
9%
Good Air Days
42.6%
100 Very High
Climate Risk
98 High
🔥🌊🌡
Top Hazards
🌊🌡🌪
+2.7°F
2050 Outlook
+2.5°F
165 days
Heat Days >95°F
98 days
+2.7°F
2050 Outlook
+2.5°F
165 days
Heat Days >95°F
98 days

What to Consider When Moving from Sun City, AZ to Austin, TX

Relocating from Sun City, AZ to Austin, TX involves more than just comparing rent prices. While the overall cost of living is roughly 6% higher in Austin, TX, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Austin, TX is 28% more expensive than in Sun City, AZ. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Austin, TX pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Austin, TX to match your current standard of living in Sun City, AZ.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Austin, TX for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Sun City, AZ vs Austin, TX

Is Austin, TX cheaper than Sun City, AZ?

Austin, TX is approximately 6.2% more expensive than Sun City, AZ overall. On a $150,000 salary, that translates to roughly $465/month in additional expenses. Housing is the biggest factor, costing 28% more in Austin, TX.

What salary do I need in Austin, TX to match my lifestyle in Sun City, AZ?

If you currently earn $150,000 in Sun City, AZ, you would need approximately $155,575 in Austin, TX to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Sun City, AZ and Austin, TX?

A two-bedroom apartment averages $1,143/month in Sun City, AZ compared to $1,995/month in Austin, TX. One-bedroom apartments are $898/month in Sun City, AZ vs $1,685/month in Austin, TX. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Sun City, AZ or Austin, TX?

Groceries are about 2% more expensive in Austin, TX than in Sun City, AZ, which adds roughly $19.23/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Sun City, AZ to Austin, TX?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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