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Cost of Living Comparison 2026

Compare West Islip CDP, NY and Austin, 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.

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd save $2.0K/month moving to Austin, TX

$150.0K in your current city equals $125.4K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↓ 27.3%
Less expensive
Monthly Impact
$2,048
Savings
Annual Impact
$24.6K
Per year

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

West Islip CDP, NY

Population:27K
Cost Index:
100
100 = national average
Median Home:$1.05M

Austin, TX

Population:979K
Cost Index:
73
(27% below avg)
Median Home:$558K

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West Islip CDP, NY

The Empire State

27K
Population
State Tax
Yes

Located in New York, this city has a population of 27K 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: West Islip CDP, NY vs Austin, TX

Housing
↓ 50.3%
West Islip CDP, NY
$5,806
Austin, TX
$2,885
Difference
$2,921
less
Groceries
↓ 10.4%
West Islip CDP, NY
$1,070
Austin, TX
$959
Difference
$111
less
Transportation
↓ 5.0%
West Islip CDP, NY
$1,351
Austin, TX
$1,284
Difference
$67.41
less
Healthcare
↓ 6.8%
West Islip CDP, NY
$632
Austin, TX
$589
Difference
$43.00
less
Other
↑ 1.5%
West Islip CDP, NY
$1,715
Austin, TX
$1,741
Difference
$25.49
more
All Utilities
↓ 1.8%
West Islip CDP, NY
$551
Austin, TX
$541
Difference
$10.05
less

🏠Rent Comparison

Studio
From$2,072
To$1,585
↓ $487
1 Bed
From$2,438
To$1,685
↓ $753
2 Bed
From$3,011
To$1,995
↓ $1,016
3 Bed
From$4,158
To$2,525
↓ $1,633
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.

$11,125
Monthly in West Islip CDP, NY
$7,998
Monthly in Austin, TX
$3,127
Difference

Home Values

West Islip CDP
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
↑ $9.5K
Per year
Monthly Difference
$795
More take-home
Effective Rate Diff
6.4%
Rate difference

West Islip CDP, 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
$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

West Islip CDP, 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.

🚶 Walkability

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

Environment

West Islip CDP
Austin
43 Good
Air Quality
52 Moderate
65.8%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌀🌡
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.5°F
11 days
Heat Days >95°F
98 days
▲+2.7°F
2050 Outlook
▲+2.5°F
11 days
Heat Days >95°F
98 days

What to Consider When Moving from West Islip CDP, NY to Austin, TX

Relocating from West Islip CDP, NY to Austin, TX involves more than just comparing rent prices. While the overall cost of living is about 27% lower 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 50% cheaper than in West Islip CDP, NY. 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 West Islip CDP, NY.

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: West Islip CDP, NY vs Austin, TX

How do the cost estimates for West Islip CDP, NY and Austin, TX compare?

The saved overall index for Austin, TX is 27.3% lower than for West Islip CDP, NY. 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 West Islip CDP, NY, the model estimates $125,421 in Austin, TX. It assumes 60% of gross income changes with the relative cost index and 40% stays fixed. The monthly difference is the salary 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 West Islip CDP, NY and Austin, TX?

The modeled two-bedroom rents are $3,011/month in West Islip CDP, NY and $1,995/month in Austin, 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 New York and Texas on TaxTakeHome.com

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