Cost of Living in San Antonio | 2026 Update
Thinking about moving to San Antonio? One of the biggest questions people ask is: “What’s the cost of living really like?” The good news is, San Antonio is consistently ranked as one of the most affordable big cities in Texas. From housing to groceries, most expenses come in lower than Austin, Dallas, or Houston — which means your dollar stretches further here. Let’s break down what you can expect.
Housing Costs
Housing is where you’ll see the biggest savings. The median home price in San Antonio is typically 20–30% less than Austin and Dallas. Rental prices are also more affordable, with single-family rentals and apartments widely available across the metro area. Keep in mind that Texas has no state income tax, but property taxes are higher than the national average, so it’s important to factor that into your monthly budget. Many communities also have HOA dues, which can range from $25/month in a basic subdivision to $100+/month in master-planned neighborhoods.
Utilities & Transportation
San Antonio summers are hot, and that means air conditioning drives up electric bills. On average, a 2,000-square-foot home can expect $150–$250 per month in electricity. Water bills depend on outdoor irrigation but usually run $40–$80/month. High-speed internet averages $60–$80/month.
Transportation costs also stay relatively affordable compared to other major metros. Gas prices are often lower than the national average, and car insurance is moderate. While San Antonio lacks extensive public transit, most families find driving is the only practical option.
Everyday Expenses
Groceries in San Antonio tend to be slightly below the national average. H-E-B, the hometown grocery chain, offers both budget and specialty options. Dining out is very affordable, with everything from food trucks to upscale restaurants at prices well below what you’d find in Austin. Healthcare costs are on par with the national average, and childcare costs vary widely, though still lower than Dallas or Houston.
Cost of Living in San Antonio
Moving to San Antonio often feels like a financial breath of fresh air compared to Austin, Dallas, or Houston. Homes are more affordable, utilities and groceries run slightly below the national average, and healthcare costs stay reasonable.
One thing to note: while Texas has no state income tax (a major win for families), the state makes up for it with higher property taxes than the U.S. average. In San Antonio (Bexar County), the effective property tax rate averages around 1.9%, compared to the national average of 1.1%. Even so, when you combine no state income tax with lower housing costs, many families find that living in San Antonio still comes out ahead.
Sources: Zillow (June 2025), U.S. EIA, Numbeo (2025), Texas Dept. of Insurance, ATTOM Data, NAR.
Texas has no state income tax, but San Antonio’s property tax rate (≈1.9%) runs higher than the U.S. average (1.1%). Thanks to more affordable housing and lower everyday costs, most families still find San Antonio one of the most budget-friendly big cities in Texas.
Final Thoughts on the Cost of Living in San Antonio
When you stack San Antonio against other major Texas cities like Austin, Dallas, and Houston—or even against large metros across the U.S.—the difference is clear: your money simply goes further here. From affordable housing options to no state income tax, San Antonio offers a lifestyle that feels big-city in opportunity but budget-friendly in day-to-day living.
Of course, every family’s cost of living looks a little different depending on things like home size, utilities, and lifestyle choices. That’s why having a local relocation specialist on your side makes all the difference. I can help you compare neighborhoods, schools, and commute times while keeping your budget in focus—so you land in the right home, in the right place, without the stress.
Ready to Explore San Antonio Homes?
San Antonio has options for every lifestyle and budget. Explore below — and don’t forget to grab your free Relocation Guide for insider tips, moving checklists, and neighborhood breakdowns.
Thinking of making San Antonio home?
Whether you’re relocating from across Texas or across the country, I’d love to help you find the right neighborhood and the perfect home. As a Relocation Specialist, I’ll guide you through every step — from virtual tours to closing day — so your move feels smooth and stress-free.
More San Antonio Relocation Resources
Planning your move to San Antonio? These helpful relocation guides cover everything from choosing the right neighborhood to understanding cost of living, schools, weather, and the full buying process.
Resources & Tools
Moving to San Antonio doesn’t have to feel overwhelming, you just need the right guide. As a San Antonio Relocation Specialist, I’ve helped countless families make a smooth transition into their new homes, neighborhoods, and schools. Whether you’re still exploring suburbs, calculating costs, or ready to start your home search, you’ll find everything you need in these relocation resources. And when you’re ready to take the next step, I’d love to help you make San Antonio feel like home.