Round Rock vs Santa Fe
Cost of Living Comparison · 2026
Round Rock
Santa Fe
The Verdict
Round Rock is 13.7% less expensive than Santa Fe overall. A household earning $75,000 in Round Rock would need approximately $86,881 in Santa Fe 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 Round Rock has the same purchasing power as $86,881 in Santa Fe.
Conversely, $75,000 in Santa Fe equals $64,744 in Round Rock.
Living in Round Rock vs Santa Fe
Housing Costs
Round Rock's housing index of 92 is lower Santa Fe's 153, translating to median home prices of $413,000 vs $480,000. The $67,000 difference in home prices means roughly $4,356 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Round Rock compared to $1,600/mo in Santa Fe, a monthly difference of $200.
Grocery & Food Costs
Grocery expenses index at 96 in Round Rock and 103 in Santa Fe. A household spending the national average of $475/month on groceries would pay approximately $456/month in Round Rock vs $489/month in Santa Fe. Round Rock offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 109 in Round Rock and 96 in Santa Fe. Monthly utility bills average approximately $436 in Round Rock vs $384 in Santa Fe. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 96 in Round Rock and 95 in Santa Fe. 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 $100,500 in Round Rock and $61,982 in Santa Fe. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $99,505 and $52,976 respectively. Round Rock residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,345/month to housing in Round Rock vs $1,446/month in Santa Fe. In Round Rock, median rent of $1,400/mo fits within this budget. In Santa Fe, median rent of $1,600/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 61 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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