Is Austin, TX cheaper than Union City, NJ?

Based on cost of living data, Austin, TX is 14.8% cheaper than Union City, NJ. This translates to saving $1110 per month.

What salary do I need in Austin, TX to live like I do in Union City, NJ?

If you earn $150,000 in Union City, NJ, you'd need approximately $136,677.896 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Union City, NJ and Austin, TX?

Housing in Austin, TX is 10.8% cheaper than in Union City, NJ. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,220/month in Union City, NJ.

How much can I save per month by moving from Union City, NJ to Austin, TX?

Moving from Union City, NJ to Austin, TX could save you approximately $1110 per month, or $13322 per year, based on a $150,000 salary.

Union City, NJ vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Union City, NJ — COL adjusted from Jersey City, NJ area + state data

Current salary in Union City, NJ

Numbers update automatically as you type

You'd save $1.1K/month moving to Austin, TX

$150.0K in your current city equals $136.7K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 14.8%

Less expensive

Monthly Impact

$1,110

Savings

Annual Impact

$13.3K

Per year

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

Union City, NJ

Population:64K

Cost Index:100

Median Home:$637K

Austin, TX

Population:979K

Cost Index:85

Median Home:$558K

Union City, NJ

The Garden State

64K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 64K 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: Union City, NJ vs Austin, TX

Category	Union City, NJ	Austin, TX	Difference	Change
🏠Housing	$3,235/mo	$2,885/mo	↓ $350less	10.8%
🚗Transportation	$1,546/mo	$1,284/mo	↓ $262less	16.9%
📦Other	$1,959/mo	$1,741/mo	↓ $218less	11.1%
🛒Groceries	$1,081/mo	$959/mo	↓ $122less	11.3%
🏥Healthcare	$676/mo	$589/mo	↓ $87.75less	13.0%
⚡All Utilities	$586/mo	$541/mo	↓ $44.78less	7.6%

🏠Housing

↓ 10.8%

Union City, NJ

$3,235

Austin, TX

$2,885

Difference

$350

less

🚗Transportation

↓ 16.9%

Union City, NJ

$1,546

Austin, TX

$1,284

Difference

$262

less

📦Other

↓ 11.1%

Union City, NJ

$1,959

Austin, TX

$1,741

Difference

$218

less

🛒Groceries

↓ 11.3%

Union City, NJ

$1,081

Austin, TX

$959

Difference

$122

less

🏥Healthcare

↓ 13.0%

Union City, NJ

$676

Austin, TX

$589

Difference

$87.75

less

⚡All Utilities

↓ 7.6%

Union City, NJ

$586

Austin, TX

$541

Difference

$44.78

less

🏠Rent Comparison

Studio

From$1,521

To$1,585

↑ $64.00

1 Bed

From$1,767

To$1,685

↓ $82.00

2 Bed

From$2,220

To$1,995

↓ $225

3 Bed

From$2,960

To$2,525

↓ $435

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.

$9,083

Monthly in Union City, NJ

$7,998

Monthly in Austin, TX

$1,084

Difference

Home Values

Union City

Austin

Median Value

$558K

YoY Change

↓ -5%

5-Year Change

↑ +12.6%

Price Range

$272K - $1.26M

Calculate payment - Austin

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

5.0%

Rate difference

Union City, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

Austin, 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

Union City, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.