Tulsa, OK vs San Antonio, TX: Cost of Living

Which city costs less?

San Antonio, TX has a modeled overall cost index 4.6% higher than Tulsa, OK.

Tulsa, OK · modeled 2BR rent
$1,225 / 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 Tulsa, OK 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: $259/month in San Antonio, TX

$150,000 in your current city has a modeled equivalent of $153,112 in San Antonio, TX

Regional cost estimates: Tulsa, OK uses Tulsa, OK Metropolitan Area. San Antonio, TX uses San Antonio-New Braunfels, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 4.6%
More expensive
Monthly Impact
$259
Extra cost
Annual Impact
$3.1K
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.

Tulsa, OK

Population:413K
Cost Index:
87.0
100 = national average
Typical Home:$187K

San Antonio, TX

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

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Tulsa, OK

The Sooner State

413K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 413K 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: Tulsa, OK 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
↑ 10.7%
Tulsa, OK
$2,112
San Antonio, TX
$2,338
Difference
$226
more
Transportation
↑ 3.5%
Tulsa, OK
$1,384
San Antonio, TX
$1,433
Difference
$48.67
more
Other
↓ 1.6%
Tulsa, OK
$1,864
San Antonio, TX
$1,834
Difference
$29.82
less
All Utilities
↑ 1.9%
Tulsa, OK
$541
San Antonio, TX
$552
Difference
$10.34
more
Groceries
↑ 0.4%
Tulsa, OK
$1,012
San Antonio, TX
$1,017
Difference
$4.45
more
Healthcare
→ 0.0%
Tulsa, OK
$586
San Antonio, TX
$586
Difference
$0
same

🏠Rent Comparison

Studio
From$940
To$1,110
↑ $170
1 Bed
From$995
To$1,210
↑ $215
2 Bed
From$1,225
To$1,470
↑ $245
3 Bed
From$1,615
To$1,890
↑ $275
Tulsa, OKZIP-level data

1BR range: $780–$1,360/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 Tulsa, OK
$7,759
Monthly in San Antonio, TX
$259
Difference

Home Values

Tulsa
San Antonio
$187K
Median Value
$215K
↑ +2.1%
YoY Change
↓ -2.9%
↑ +37%
5-Year Change
↑ +16.7%
$82K - $419K
Price Range
$107K - $905K

Homes in San Antonio are 15% more expensive than Tulsa

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
$607
More take-home
Effective Rate Diff
4.9%
Rate difference

Tulsa, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

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

Tulsa, OK Tax Rates

Sales Tax:8.9%
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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Tulsa
San Antonio
51 Moderate
Air Quality
52 Moderate
48.4%
Good Air Days
47.5%
98 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+2.6°F
61 days
Heat Days >95°F
105 days
▲+3.0°F
2050 Outlook
▲+2.6°F
61 days
Heat Days >95°F
105 days

Before moving from Tulsa, OK 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 Tulsa, OK. 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 Tulsa 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: Tulsa, OK vs San Antonio, TX

How do the cost estimates for Tulsa, OK and San Antonio, TX compare?

San Antonio, TX has a modeled overall cost index 4.6% higher than Tulsa, OK. 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 Tulsa, OK, the model estimates $153,112 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 Tulsa, OK and San Antonio, TX?

The modeled two-bedroom rents are $1,225/month in Tulsa, OK 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 Oklahoma and Texas on TaxTakeHome.com

Where your money goes further

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