Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Saratoga Springs, NY

For one person, living is cheaper in Austin, TX: $2,663 a month against $2,906 in Saratoga Springs, NY, rent and utilities included – about $2,900 less a year. Higher rent and utilities in Saratoga Springs, NY outweigh lower spending on other living expenses.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
141

Cost of Living Index in Saratoga Springs, NY
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Saratoga Springs, NY Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Saratoga Springs, NY

🇺🇸 United States

$2,906

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Saratoga Springs, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Saratoga Springs, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $2,906 in Saratoga Springs, NY.

Austin, TX $2,663
Saratoga Springs, NY $2,906

Estimated couple costs with rent: $4,133 in Austin, TX versus $4,031 in Saratoga Springs, NY.

Austin, TX $4,133
Saratoga Springs, NY $4,031

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $5,156 in Saratoga Springs, NY.

Austin, TX $5,603
Saratoga Springs, NY $5,156

Living in Austin, TX costs roughly 8% less than in Saratoga Springs, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Austin, TX 97% above, Saratoga Springs, NY 115% above.

Meal at Budget Restaurant

$20.77 $20.77

$18.10 $18.10

14.75%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$78.4 $78.4

7.88%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$8.12 $8.12

51.72%

Cappuccino

$5.63 $5.63

$5.29 $5.29

6.43%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.72 $3.72

$2.62 $2.62

41.98%

Water (0.33 liter bottle)

$2.50 $2.50

$1.83 $1.83

36.61%

Local Beer (0.5 liter draught)

$8.05 $8.05

$6.42 $6.42

25.39%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$7.62 $7.62

18.24%

Milk (1 liter)

$1.12 $1.12

$0.91 $0.91

23.08%

White Bread (500g)

$3.75 $3.75

$3.41 $3.41

9.97%

Rice (white) (1kg)

$3.26 $3.26

$4.41 $4.41

-26.08%

Eggs

$4.17 $4.17

$4.06 $4.06

2.71%

Local Cheese (1kg)

$12.90 $12.90

$11.00 $11.00

17.27%

Chicken Fillets (1kg)

$14.16 $14.16

$13.59 $13.59

4.19%

Beef Round Steak (1kg)

$16.22 $16.22

$18.03 $18.03

-10.04%

Apples (1kg)

$4.33 $4.33

$6.49 $6.49

-33.28%

Banana (1kg)

$1.46 $1.46

$1.36 $1.36

7.35%

Oranges (1kg)

$4.51 $4.51

$5.16 $5.16

-12.60%

Tomato (1kg)

$4.34 $4.34

$6.83 $6.83

-36.46%

Potato (1kg)

$2.58 $2.58

$3.00 $3.00

-14.00%

Onion (1kg)

$2.35 $2.35

$3.26 $3.26

-27.91%

Lettuce (1 head)

$1.78 $1.78

$2.33 $2.33

-23.61%

Water (1.5 liter bottle)

$2.22 $2.22

$2.65 $2.65

-16.23%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$12.85 $12.85

-23.11%

Wine (Bottle)

$15.08 $15.08

$15.11 $15.11

-0.20%

Local Beer (0.5 liter bottle)

$2.92 $2.92

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$4.81 $4.81

-28.07%

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

Taxi Start (Normal Tariff)

$2.73 $2.73

$3.98 $3.98

-31.41%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$2.20 $2.20

-24.55%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$29.52 $29.52

19.58%

Gasoline (1 liter)

$0.95 $0.95

$0.90 $0.90

5.56%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.0K $36.0K

$33.7K $33.7K

6.99%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$27.1K $27.1K

$24.9K $24.9K

8.88%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$229 $229

$230 $230

-0.48%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$59.4 $59.4

$53.1 $53.1

11.76%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$57.4 $57.4

21.75%

Gym Membership (Monthly)

$57.2 $57.2

$60.7 $60.7

-5.73%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$20.22 $20.22

-19.24%

Cinema Ticket

$14.28 $14.28

$14.98 $14.98

-4.67%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,506 $1,506

$1,425 $1,425

5.64%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$17.7K $17.7K

20.98%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$54.2 $54.2

-2.55%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$48.93 $48.93

-10.44%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$95.3 $95.3

-11.04%

Men's Leather Business Shoes

$103 $103

$101 $101

2.12%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$2,548 $2,548

-25.15%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$1,588 $1,588

-19.79%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$3,008 $3,008

21.82%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$2,236 $2,236

13.52%

Buy Apartment in City Center (m2)

$7,614 $7,614

Buy Apartment Outside City Center (m2)

$3,157 $3,157

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$4,930 $4,930

3.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.66

1.95%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 12, 2026

Last update for Saratoga Springs, NY: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 47.8%

Saratoga Springs, NY

$1.6K 54.7% 24.7% $314

Groceries & Markets

Austin, TX

$405 15.2%

Saratoga Springs, NY

$439 15.1% 8.4% $34

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Saratoga Springs, NY

$341 11.7% 4.9% $18

Eating Out

Austin, TX

$354 13.3%

Saratoga Springs, NY

$298 10.3% 15.9% $56

Clothing & Footwear

Austin, TX

$128 4.8%

Saratoga Springs, NY

$135 4.6% 5.2% $6.7

Sport & Entertainment

Austin, TX

$86 3.2%

Saratoga Springs, NY

$91 3.1% 5.7% $4.9

Getting Around

Austin, TX

$59 2.2%

Saratoga Springs, NY

$15 * 0.5% 74.5% $44

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $2,548 in Saratoga Springs, NY. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 4% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $85.0 in Austin, TX vs $78.0 in Saratoga Springs, NY. Groceries flip the comparison at $405 vs $439, with Austin, TX cheaper for home cooking.

Good to know

🇺🇸 Austin, TX

🇺🇸 Saratoga Springs, NY

🕒 Local time

04:35 4:35 AM

05:35 5:35 AM

1 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

28,491

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Austin, TX Saratoga Springs, NY 2,550 km ≈ 3 h 45 min nonstop flight

From you

Austin, TX
Saratoga Springs, NY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Saratoga Springs, NY: Cost of Living - Frequently Asked Questions

Austin, TX wins on cost – living expenses run 9% lower than in Saratoga Springs, NY. Housing and daily spending are where you'll feel the difference most, making Austin, TX the obvious pick if budget is a priority.

Average pay runs 4% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,907 in Austin, TX versus $2,548 in Saratoga Springs, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,506 in Austin, TX versus $1,425 in Saratoga Springs, NY. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Austin, TX – a meal for two runs $85.0 versus $78.0 in Saratoga Springs, NY. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Austin, TX is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Austin, TX and Saratoga Springs, NY are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Austin, TX gentler on the wallet – expenses run 9% less than in Saratoga Springs, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.