Albany vs Round Rock
Cost of Living Comparison · 2026
Albany
Round Rock
The Verdict
Albany is 2.0% less expensive than Round Rock overall. A household earning $75,000 in Albany would need approximately $76,515 in Round Rock to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Albany has the same purchasing power as $76,515 in Round Rock.
Conversely, $75,000 in Round Rock equals $73,515 in Albany.
Living in Albany vs Round Rock
Housing Costs
Albany's housing index of 93 is higher Round Rock's 92, translating to median home prices of $220,000 vs $413,000. The $193,000 difference in home prices means roughly $12,540 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Albany compared to $1,400/mo in Round Rock, a monthly difference of $200.
Grocery & Food Costs
Grocery expenses index at 102 in Albany and 96 in Round Rock. A household spending the national average of $475/month on groceries would pay approximately $485/month in Albany vs $456/month in Round Rock. Round Rock offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 107 in Albany and 109 in Round Rock. Monthly utility bills average approximately $428 in Albany vs $436 in Round Rock. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in Albany and 96 in Round Rock. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $43,098 in Albany and $100,500 in Round Rock. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $43,533 and $99,505 respectively. Round Rock residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,006/month to housing in Albany vs $2,345/month in Round Rock. In Albany, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Round Rock, median rent of $1,400/mo remains manageable. The biggest category-level difference between these two cities is Groceries, where the gap is 6 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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