Austin vs San Jose

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Texas salaries · California salaries

Living in Austin vs San Jose

Housing is typically the biggest factor in any cost-of-living comparison. Austin has a housing index of 123 while San Jose sits at 308 (national average = 100). The median home in Austin costs $430,000 compared to $1,300,000 in San Jose, a difference of $870,000. Monthly rent follows a similar pattern: $1,700 in Austin versus $3,100 in San Jose.

Groceries and everyday expenses show a notable difference: Austin scores 96 while San Jose scores 110.

Healthcare costs in Austin (97) are lower than San Jose (112).

Median household income in Austin is $75,413 compared to $117,324 in San Jose. When adjusted for cost of living, income goes further in Austin.

Relocating: Austin vs San Jose

If you are considering a move between Austin (index: 107) and San Jose (index: 182), the 41% cost difference has real implications for your budget. Austin is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Austin can afford $1,760/month, while the median household in San Jose can afford $2,738/month. With median homes at $430,000 in Austin versus $1,300,000 in San Jose, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $1,700/month in Austin and $3,100/month in San Jose, renters save significantly in Austin. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in Austin. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Austin (107) vs San Jose (182)

The cost of living index uses 100 as the national average. Austin at 107 is 7% above the US average, while San Jose at 182 is 82% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $1,700/month in Austin and $3,100/month in San Jose, the annual rent difference is approximately $16,800. Over a 5-year period, that compounds to $84,000 in savings by choosing the more affordable city.

For homebuyers: The $870,000 difference in median home prices between Austin and San Jose translates to roughly $52,200 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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