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San Antonio Cost of Living [2024] | 💰 What’s the Cost of Living in San Antonio?

Last Updated on: 28th January 2024, 04:03 pm

San Antonio is situated in southern Texas and is the seventh-most populous city in the United States and the second-most populous city in the state of Texas. Known for its rich history, incredible Tex-Mex food, and diverse culture, San Antonio is becoming a popular place to live for families of all sizes and people of all ages. If you are thinking about moving to the area, then you may be wondering whether or not San Antonio is affordable for you and your family. Follow this guide for everything you need to know about the cost of living in San Antonio TX.

San Antonio Cost Of Living Index

One great way to assess whether or not you can afford to live in the area is to take a look at the San Antonio Cost of Living Index. The Cost of Living Index is a number that is used to compare the cost of goods and services in an area to the national average, which is set at 100.

The San Antonio Texas Cost of Living Index is 91.5, meaning that the cost of living in San Antonio is 8.5% more affordable than the national average. It is also slightly lower than the Texas Cost of Living Index of 93. San Antonio ranks below the national average in the cost of groceries, transportation, housing, utilities, and health care. The only category that ranks above the national average is ‘miscellaneous goods and services.’

Consumer Price Index (CPI)

What is the cost of living in San Antonio? To answer this question, you will want to check out the Consumer Price Index, or CPI. CPI is used by the Bureau of Labor Statistics to measure changes in the prices of everyday expenses in a given area. San Antonio is a part of the Southwest region. Over the past year, the CPI rose 3.0%. Food was a big contributor to this increase, as food prices rose 4.9% and prices for food at home advanced 5.2%.

Over the past two months, the CPI fell by 0.3%. This decrease is almost entirely due to lower energy costs in the San Antonio area. The energy index declined 4.8% from August 2023 to October 2023. Lower gas prices drove this decrease, as the cost of gasoline went down over 9.0%.

Consumer Expenditure Survey

The Consumer Expenditure Survey is also a great way to analyze the cost of living in San Antonio Texas. This survey is also overseen by the Bureau of Labor Statistics and looks at the spending habits of residents in a given area. During the 2021-22 calendar year, it was reported that consumers in San Antonio spent an average of $63,610. This is lower than any other region in the United States. 

Here’s a quick breakdown of how households spend their average income in San Antonio.

  • 32.8% on housing (compared to national average of 33.5%)
  • 18.2% on transportation (compared to national average of 16.6%)
  • 12.6% on food (compared to national average of 12.6%)
  • 8.2% on healthcare (compared to national average of 8.1%)
  • 4.7% on entertainment (compared to national average of 5.0%)
  • 1.5% on education (compared to national average of 1.8%)

Family Budget In San Antonio

Is San Antonio affordable for me and my family? The average cost of living in San Antonio varies depending on factors such as your family size, your lifestyle, and the neighborhood you live in. However, according to the Economic Policy Institute, a family of four living in San Antonio would need to earn at least $73,970 per year to live comfortably in the city. This rounds out to about $6,164 per month. Here’s a breakdown of these monthly San Antonio living expenses.

  • Transportation: $1,155
  • Housing: $1,114
  • Child care: $1,049
  • Health care: $1,039
  • Food: $695
  • Taxes: $458
  • Other necessities: $655

Cost Of Household Items, Utilities, Gas & Groceries In San Antonio

What is the cost of living in San Antonio Texas? The answer to this question largely depends on small everyday expenses. Here are a few daily San Antonio living expenses for you to consider.

  • Steak (1lb): $6.04
  • Milk (1 gal.): $3.96
  • Eggs (1 dozen): $3.68
  • Potatoes (5lbs): $4.20
  • Bread (1 loaf): $2.56
  • Beer (1 bottle): $5.00
  • Movie ticket: $14.50
  • McDonald’s meal: $10.00
  • Average cell phone bill (per month): $51.00
  • Average cost of utilities in San Antonio (per month): $226.28

Source: Numbeo

Curious about transportation costs in San Antonio? You can expect to pay $3.27 for a gallon of gas and $44 per month for car insurance, according to If you prefer public transportation, you can purchase a VIA monthly bus pass for $38, or an annual pass for $365.00.

San Antonio Real Estate Market

Thinking about looking for San Antonio homes for sale? You will be happy to know that San Antonio real estate is quite affordable. According to Redfin, the average home price in San Antonio is $269,000, which is much lower than the national average of $413,504. The San Antonio housing market is slowing down a bit, with prices down 2.5% in the last year and homes sitting on the market for an average of 45 days, compared to 33 last year.

Before hunting for San Antonio Texas homes for sale, you will want to choose the perfect neighborhood for your family and lifestyle.

A few of the most popular neighborhoods in San Antonio include:

  • Downtown San Antonio: Bustling neighborhood close to all of the action. Median home price of $342,990
  • Alamo Heights Gardens: This small residential area is great for young families and has an affordable average home price of $250,000.
  • Terrell Heights: Located in northeastern San Antonio, Terrell Heights features many gorgeous new-construction homes with an average price of $401,000.
  • Olmos Park: Olmos Park is a historic district in northern San Antonio and offers many natural attractions nearby. The median home price in Olmos Park is $269,000.
  • Tobin Hill: Just north of the downtown area sits Tobin Hill. The large homes in this area are mostly two stories and contain at least 4 bedrooms. The average home price in this neighborhood is $465,000.

San Antonio Rental Market – Average Rent In San Antonio

Does renting San Antonio TX real estate sound better to you? San Antonio rent prices are also quite affordable! According to RentCafe, the average rent in San Antonio TX is $1,304 per month. This is below the national average of $1,702. The average rent in San Antonio Texas is also lower than other major Texas cities such as Houston ($1,342), Dallas ($1,592), and Austin ($1,806).

The most affordable neighborhoods to pay rent in San Antonio are Woodlawn Hills ($925 per month), United Southwest ($940 per month), and Gillette ($959 per month). The most expensive neighborhoods include Tanglewood ($1,639 per month), Woodridge ($1,639 per month), and Government Hill ($1,860 per month).

Are you wondering whether or not you can afford the average apartment rent in San Antonio? Per the National Low Income Coalition’s Out of Reach Report, you would need to make $24.65 per hour, or $1,282 per month, to afford a two-bedroom apartment in the city without spending over 30% of your income on housing.

Aren’t sure whether to put down a security deposit on an apartment or search for San Antonio TX homes for sale? The city’s price-to-rent ratio will help you determine which option is more affordable. Higher ratios mean the area is better for renters, while lower ratios indicate a better market for buyers. To calculate the price-to-rent ratio, you divide the median annual rent by the median home price. This is what the equation looks like with San Antonio’s information.

$269,000 / $15,648 = 17.1

This is considered to be a low price-to-rent ratio, indicating that it is a better idea to buy San Antonio real estate. The 2022 Rental Affordability Report supports this claim. However, areas on the outskirts of San Antonio in Comal, Guadalupe, and Wilson counties may actually be more affordable for renters.

Average Salary & Household Income In San Antonio

Is San Antonio expensive? The average salary and average income in San Antonio Texas can help you to analyze this question. The median household income in San Antonio is $55,084, which is about 80% of the amount in Texas ($67,321).

The average salary in San Antonio is $69,000 per year, according to PayScale. The minimum wage in Texas is currently $7.25, which is the federal minimum wage. San Antonio has an incredibly diverse economy, with a GDP of over $121 billion. Over twenty million tourists visit the city every year, so there are many jobs available in the hospitality industry. The city is also the headquarters of many Fortune 500 companies, such as Valero Energy, iHeartMedia, and NuStar Energy.


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According to the BLS, this is the average salary in San Antonio TX for a few popular jobs.

  • Hosts and hostesses: $24,850
  • Production workers: $35,080
  • Electricians: $53,630
  • Dental hygienists: $79,890
  • Computer programmers: $87,450
  • Psychologists: $100,920
  • Nurse practitioners: $121,730
  • Dentists: $187,370

Income, Sales & Property Taxes In San Antonio

This is what you should know about San Antonio property tax, income tax, and sales tax.

Texas Income Tax Rate

Income tax is a tax that is imposed on income generated by both businesses and individuals. Luckily, the Texas income tax rate is 0%. Texas does not have an individual income tax, making it one of the states with the lowest taxes.

Sales Tax In San Antonio Texas

Sales tax is a consumption tax imposed by the government on the sale of goods and services. The San Antonio sales tax rate is 8.250%. This is how sales tax in San Antonio is broken down.

  • 1.000% City of San Antonio
  • 0.125% dedicated to the City of San Antonio Ready to Work Program
  • 0.125% dedicated to the City of San Antonio Pre-K 4 SA Initiative
  • 0.250% San Antonio Advanced Transportation District
  • 0.500% San Antonio Metropolitan Transit Authority
  • 6.250% State of Texas
  • Total San Antonio TX sales tax rate: 8.250%

San Antonio Property Taxes

The San Antonio property tax rate consists of two components: Maintenance & Operations (M&O) and Debt Service.

The 2023 tax rate per $100 of taxable value is:

    • M&O: 33.009 cents
    • Debt Service: 21.150 cents
    • Total tax rate: 54.159 cents

You can pay your Bexar County property taxes online.

San Antonio Vs. Austin Cost Of Living

Are you deciding between San Antonio and Austin? The Cost of Living Index in Austin is 101.2, making it 1.2% more expensive than the national average and 9.7% more expensive than the San Antonio cost of living. Here’s how the cost of living in San Antonio TX compares to Austin.

  • Average home price: $269,000 in San Antonio vs. $544,000 in Austin
  • Average rent: $1,304 in San Antonio vs. $1,806 in Austin
  • Average household income: $55,084 in San Antonio vs. $78,965 in Austin
  • Average salary: $69,000 in San Antonio vs. $79,000 in Austin
  • Average monthly expenses: $6,164 in San Antonio vs. $6,417 in Austin

As you can see, the cost of living in San Antonio is less than the cost of living in Austin. However, it is important to note that San Antonio has a higher household income and salary, which could help to offset some of the expenses.

The cost of living in San Antonio TX is very affordable, and you won’t regret making the move to this stunning city. When you are ready to relocate, let the best San Antonio movers give you a hand. Call 2 College Brothers today at (210) 874-7010 for a free customized estimate.


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