Moving from San Jose to Austin
Your paycheck goes 25.8% further in Austin than in San Jose. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Austin: $127,700
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $127,700 in Austin, TX to match $165,000 in San Jose, CA ($37,300 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Texas has no state income tax on wages; California does; neither city levies a resident income tax.
Prices and housing cover the metro area; taxes use California and Texas, their principal states. A metro can span several states; living in its other state can change the tax result.
San Jose vs Austin: key facts
- Median rent
- $2,827 → $1,784/mo
- Median home value
- $1,528,500 → $482,800
- Median household income
- $164,801 → $99,897
- Price level (U.S. = 100)
- 110.4 → 98.1
- FEMA county-score mean
- Very high county-score mean (99.3 → 93.9 of 100)
San Jose vs Austin cost of living
The vertical line marks the U.S. average (100).
| Measure | San Jose, CA | Austin, TX |
|---|---|---|
| Overall price level (U.S. = 100) | 110.4 | 98.1 |
| Median rent | $2,827 | $1,784 |
| Income to rent affordably (30%) | $113,080 | $71,360 |
| Median home value | $1,528,500 | $482,800 |
| Monthly cost to own (20% down) | $9,289+ | $3,394 |
| Income needed to buy | $398,119+ | $145,477 |
| Median property tax | $10,000+ | $6,896 |
| State income tax on $165,000 | $10,956 | $0 |
| Metro population | 1,995,484 | 2,550,637 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $165,000, rounded from San Jose's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state. The Census reports San Jose's median property tax only as "$10,000+", so its cost to own and income needed are minimums.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax while you live in San Jose, which narrows the gap shown.
Your yearly budget: San Jose vs Austin
This fixed budget example uses $165,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On a $165,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $98,901 a year in San Jose and $73,502 in Austin if you rent: $25,399 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to at least $178,307 and $94,879 (at least $83,428 less).
Your yearly budget, before vs after
| Yearly cost | San JoseBefore | AustinAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $165,000, single filer | $54,057 | $40,957 | -$13,100 |
| Car insurance one car, state average | $1,225 | $1,429 | +$204 |
| Gas 12,000 miles at 25 mpg | $2,855 | $1,776 | -$1,079 |
| Health insurance one adult, age 40, own plan before subsidies | $6,840 | $7,932 | +$1,092 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $33,924 | $21,408 | -$12,516 |
| Total if you rent | $98,901 | $73,502 | -$25,399 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $100,000 | $31,587 | -$68,413 |
| Property tax median home | $10,000+ | $6,896 | at least $3,104 less |
| Homeowners insurance state median, with a mortgage | $1,473 | $2,251 | +$778 |
| Electricity state average bill | $1,857 | $2,051 | +$194 |
| Total if you buy | $178,307+ | $94,879 | at least $83,428 less |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
The Census reports San Jose's median property tax only as "$10,000+", so its property tax and total if you buy, and the changes in those rows, are minimums.
Child care is not in the totals. Full-time center care for one infant averages $23,071 a year in San Jose and $10,894 in Austin (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from San Jose to Austin
About 1,053 households (1,977 people) moved from the San Jose metro area to the Austin metro area in 2022–2023, making Austin the #8 destination for people leaving San Jose among the 149 metro areas we cover. 453 households moved the other way. Their average adjusted gross income was $268,583.
Cost to move from San Jose to Austin
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $1,120–$5,150 |
| Moving container | $1,980–$5,380 |
| Full-service movers | $3,160–$14,570 |
Shipping a car instead of driving
Car shipping: $1,150–$1,670
Shipping a sedan from San Jose to Austin on an open carrier costs about $1,150–$1,670, typically 5–10 days in transit over about 1,710 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Natural hazard risk: San Jose vs Austin
RelocateMath's population-weighted means of FEMA county risk scores are 99.3 for the San Jose area and 93.9 for the Austin area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $1,023 vs $306 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Austin cheaper than San Jose?
Overall prices in the Austin area are 11.1% lower than in San Jose (BEA Regional Price Parities 2024). Median rent is $1,784 vs $2,827 a month, and the median home is $482,800 vs $1,528,500.
What salary do I need in Austin to match $100,000 in San Jose?
About $79,600 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Texas has no state income tax on wages; California does. This illustration stays fixed when calculator inputs change.
How much does it cost to move from San Jose to Austin?
For a 2–3 bedroom home over about 1,710 miles: roughly $1,120–$5,150 with a rental truck, $1,980–$5,380 with a container, or $3,160–$14,570 with full-service movers.
How many people move from San Jose to Austin?
IRS county migration data for 2022–2023 show about 1,053 households (1,977 people) moved from the San Jose metro area to the Austin metro area, and 453 moved the other way.
Related
Where people from San Jose move
- San Jose to San Francisco 15,641 households
- San Jose to Los Angeles 3,302 households
- San Jose to Sacramento 2,659 households
- San Jose to Stockton 2,083 households
- San Jose to New York 1,907 households
- San Jose to Seattle 1,707 households
- San Jose to San Diego 1,609 households
- Dallas 851 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.