Is Austin, TX cheaper than Utica, NY?

Based on cost of living data, Austin, TX is 11.4% more expensive than Utica, NY. This translates to spending an extra $858 per month.

What salary do I need in Austin, TX to live like I do in Utica, NY?

If you earn $150,000 in Utica, NY, you'd need approximately $160,292.097 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Utica, NY and Austin, TX?

Housing in Austin, TX is 65.6% more expensive than in Utica, NY. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $855/month in Utica, NY.

How much can I save per month by moving from Utica, NY to Austin, TX?

Living in Austin, TX costs approximately $858 more per month than Utica, NY, or $10292 more per year, based on a $150,000 salary.

Utica, NY vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Utica, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Utica, NY

Numbers update automatically as you type

You'd spend $858/month more in Austin, TX

$150.0K in your current city equals $160.3K in Austin, TX

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

Overall Cost

↑ 11.4%

More expensive

Monthly Impact

$858

Extra cost

Annual Impact

$10.3K

Per year

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

Utica, NY

Population:64K

Cost Index:100

Median Home:$196K

Austin, TX

Population:979K

Cost Index:111

Median Home:$558K

Utica, NY

The Empire State

64K

Population

State Tax

Yes

Located in New York, 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: Utica, NY vs Austin, TX

Category	Utica, NY	Austin, TX	Difference	Change
🏠Housing	$1,741/mo	$2,885/mo	↑ $1,143more	65.6%
🚗Transportation	$1,368/mo	$1,284/mo	↓ $83.77less	6.1%
🛒Groceries	$1,017/mo	$959/mo	↓ $57.58less	5.7%
🏥Healthcare	$636/mo	$589/mo	↓ $47.63less	7.5%
⚡All Utilities	$551/mo	$541/mo	↓ $10.04less	1.8%
📦Other	$1,734/mo	$1,741/mo	↑ $7.44more	0.4%

🏠Housing

↑ 65.6%

Utica, NY

$1,741

Austin, TX

$2,885

Difference

$1,143

🚗Transportation

↓ 6.1%

Utica, NY

$1,368

Austin, TX

$1,284

Difference

$83.77

less

🛒Groceries

↓ 5.7%

Utica, NY

$1,017

Austin, TX

$959

Difference

$57.58

less

🏥Healthcare

↓ 7.5%

Utica, NY

$636

Austin, TX

$589

Difference

$47.63

less

⚡All Utilities

↓ 1.8%

Utica, NY

$551

Austin, TX

$541

Difference

$10.04

less

📦Other

↑ 0.4%

Utica, NY

$1,734

Austin, TX

$1,741

Difference

$7.44

🏠Rent Comparison

Studio

From$655

To$1,585

↑ $930

1 Bed

From$673

To$1,685

↑ $1,012

2 Bed

From$855

To$1,995

↑ $1,140

3 Bed

From$1,022

To$2,525

↑ $1,503

Utica, NYZIP-level data

1BR range: $880–$970/mo

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.

$7,047

Monthly in Utica, NY

$7,998

Monthly in Austin, TX

$952

Difference

Home Values

Utica

Austin

$196K

Median Value

$558K

↑ +8.6%

YoY Change

↓ -5%

↑ +53.8%

5-Year Change

↑ +12.6%

$194K - $198K

Price Range

$272K - $1.26M

Homes in Austin are 184% more expensive than Utica

Calculate payment - Utica Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Utica, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Utica, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.