Is San Antonio, TX cheaper than Temple, TX?

Based on cost of living data, San Antonio, TX is 3.5% cheaper than Temple, TX. This translates to saving $260 per month.

What salary do I need in San Antonio, TX to live like I do in Temple, TX?

If you earn $150,000 in Temple, TX, you'd need approximately $146,876.353 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between Temple, TX and San Antonio, TX?

Housing in San Antonio, TX is 11.6% cheaper than in Temple, TX. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,066/month in Temple, TX.

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

Moving from Temple, TX to San Antonio, TX could save you approximately $260 per month, or $3124 per year, based on a $150,000 salary.

Temple, TX vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Temple, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Temple, TX

Numbers update automatically as you type

You'd save $260/month moving to San Antonio, TX

$150.0K in your current city equals $146.9K in San Antonio, TX

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

Overall Cost

↓ 3.5%

Less expensive

Monthly Impact

$260

Savings

Annual Impact

$3.1K

Per year

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

Temple, TX

Population:93K

Cost Index:100

Median Home:$187K

San Antonio, TX

Population:1547K

Cost Index:97

Median Home:$215K

Temple, TX

The Lone Star State

93K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 93K residents.

💡 Advantage: Texas has no state income tax!

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: Temple, TX vs San Antonio, TX

Category	Temple, TX	San Antonio, TX	Difference	Change
🏠Housing	$2,376/mo	$2,100/mo	↓ $276less	11.6%
🚗Transportation	$1,175/mo	$1,287/mo	↑ $112more	9.5%
📦Other	$1,593/mo	$1,647/mo	↑ $53.78more	3.4%
🏥Healthcare	$563/mo	$527/mo	↓ $36.47less	6.5%
⚡All Utilities	$518/mo	$496/mo	↓ $21.93less	4.2%
🛒Groceries	$918/mo	$913/mo	↓ $4.42less	0.5%

🏠Housing

↓ 11.6%

Temple, TX

$2,376

San Antonio, TX

$2,100

Difference

$276

less

🚗Transportation

↑ 9.5%

Temple, TX

$1,175

San Antonio, TX

$1,287

Difference

$112

📦Other

↑ 3.4%

Temple, TX

$1,593

San Antonio, TX

$1,647

Difference

$53.78

🏥Healthcare

↓ 6.5%

Temple, TX

$563

San Antonio, TX

$527

Difference

$36.47

less

⚡All Utilities

↓ 4.2%

Temple, TX

$518

San Antonio, TX

$496

Difference

$21.93

less

🛒Groceries

↓ 0.5%

Temple, TX

$918

San Antonio, TX

$913

Difference

$4.42

less

🏠Rent Comparison

Studio

From$848

To$1,110

↑ $262

1 Bed

From$856

To$1,210

↑ $354

2 Bed

From$1,066

To$1,470

↑ $404

3 Bed

From$1,478

To$1,890

↑ $412

Temple, TXZIP-level data

1BR range: $840–$1,200/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.

$7,143

Monthly in Temple, TX

$6,969

Monthly in San Antonio, TX

$174

Difference

Home Values

Temple

San Antonio

$187K

Median Value

$215K

↓ -5%

YoY Change

↓ -2.9%

↑ +25.1%

5-Year Change

↑ +16.7%

$185K - $275K

Price Range

$107K - $905K

Homes in San Antonio are 15% more expensive than Temple

Calculate payment - Temple Calculate payment - San Antonio

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Temple, 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

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

Temple, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.