Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Temple, TX

For one person, living is cheaper in Temple, TX: $2,391 a month against $2,698 in Austin, TX, rent and utilities included – about $3,700 less a year. Other living expenses account for most of the difference.

129

Cost of Living Index in Austin, TX
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Austin, TX Living Index
116

Cost of Living Index in Temple, TX
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Temple, TX Living Index

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Austin, TX

🇺🇸 United States

$2,698

/mo nomad

Temple, TX

🇺🇸 United States

$2,391

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Temple, TX

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 Temple, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,698 in Austin, TX versus $2,391 in Temple, TX.

Austin, TX $2,698
Temple, TX $2,391

Estimated couple costs with rent: $4,160 in Austin, TX versus $3,282 in Temple, TX.

Austin, TX $4,160
Temple, TX $3,282

Monthly costs for a family of three with rent: $5,622 in Austin, TX versus $4,174 in Temple, TX.

Austin, TX $5,622
Temple, TX $4,174

Living in Austin, TX is roughly 13% more expensive than in Temple, TX, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 99% above, Temple, TX 76% above.

Meal at Budget Restaurant

$20.63 $20.63

$18.60 $18.60

10.91%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$50.7 $50.7

66.94%

Fast Food Meal (McDonalds, etc)

$12.07 $12.07

$8.78 $8.78

37.47%

Cappuccino

$5.48 $5.48

$4.97 $4.97

10.26%

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

$3.80 $3.80

$2.79 $2.79

36.20%

Water (0.33 liter bottle)

$2.47 $2.47

$1.69 $1.69

46.15%

Local Beer (0.5 liter draught)

$8.05 $8.05

$3.54 $3.54

127.40%

Imported Beer (0.33 liter bottle)

$8.88 $8.88

$4.03 $4.03

120.35%

Milk (1 liter)

$1.11 $1.11

$0.94 $0.94

18.09%

White Bread (500g)

$3.72 $3.72

$2.12 $2.12

75.47%

Rice (white) (1kg)

$3.37 $3.37

$4.12 $4.12

-18.20%

Eggs

$4.32 $4.32

$2.85 $2.85

51.58%

Local Cheese (1kg)

$13.13 $13.13

$8.81 $8.81

49.04%

Chicken Fillets (1kg)

$14.15 $14.15

$8.70 $8.70

62.64%

Beef Round Steak (1kg)

$16.33 $16.33

$15.42 $15.42

5.90%

Apples (1kg)

$4.55 $4.55

$5.01 $5.01

-9.18%

Banana (1kg)

$1.46 $1.46

$1.55 $1.55

-5.81%

Oranges (1kg)

$4.71 $4.71

$4.15 $4.15

13.49%

Tomato (1kg)

$4.15 $4.15

$3.65 $3.65

13.70%

Potato (1kg)

$2.58 $2.58

$2.15 $2.15

20.00%

Onion (1kg)

$2.35 $2.35

$2.44 $2.44

-3.69%

Lettuce (1 head)

$1.77 $1.77

$1.60 $1.60

10.62%

Water (1.5 liter bottle)

$2.14 $2.14

$1.97 $1.97

8.63%

Cigarettes 20 Pack (Marlboro, Camel)

$10.10 $10.10

$10.21 $10.21

-1.08%

Wine (Bottle)

$15.19 $15.19

$9.15 $9.15

66.01%

Local Beer (0.5 liter bottle)

$2.82 $2.82

$2.00 $2.00

41.00%

Imported Beer (0.33 liter bottle)

$3.44 $3.44

$2.43 $2.43

41.56%

One-way Ticket (Public Transport)

$1.54 $1.54

$1.96 $1.96

-21.43%

Public Transport Monthly Pass (Regular Price)

$40.99 $40.99

$50.2 $50.2

-18.31%

Taxi Start (Normal Tariff)

$2.80 $2.80

$3.08 $3.08

-9.09%

Taxi (Normal Tariff) (1km)

$1.60 $1.60

$1.77 $1.77

-9.60%

Taxi 1hour Waiting (Normal Tariff)

$34.34 $34.34

$24.10 $24.10

42.49%

Gasoline (1 liter)

$0.94 $0.94

$0.72 $0.72

30.56%

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

$34.0K $34.0K

$24.6K $24.6K

37.94%

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

$26.8K $26.8K

$25.0K $25.0K

6.97%

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

$223 $223

$211 $211

5.41%

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

$58.9 $58.9

$43.64 $43.64

34.97%

Internet (50+ Mbps, Unlimited Data)

$70.6 $70.6

$84.0 $84.0

-15.93%

Gym Membership (Monthly)

$57.7 $57.7

$17.57 $17.57

228.40%

Tennis Court (1 Hour on Weekend)

$16.53 $16.53

Cinema Ticket

$14.26 $14.26

$12.10 $12.10

17.85%

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

$1,511 $1,511

$1,901 $1,901

-20.51%

International Primary School, 1 Child (Yearly)

$20.9K $20.9K

$27.7K $27.7K

-24.56%

Jeans (Levis 501 Or Similar)

$51.3 $51.3

$19.22 $19.22

166.75%

Summer Dress (H&M, Zara, etc)

$44.17 $44.17

$49.07 $49.07

-9.99%

Sport Shoes (Adidas, Nike)

$87.0 $87.0

$86.7 $86.7

0.37%

Men's Leather Business Shoes

$104 $104

$83.7 $83.7

24.66%

1-bedroom Apartment, City Center (Monthly)

$1,940 $1,940

$1,450 $1,450

33.77%

1-bedroom Apartment, Outside City Center (Monthly)

$1,316 $1,316

$1,236 $1,236

6.52%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$2,048 $2,048

78.92%

3-bedroom Apartment, Outside City Center (Monthly)

$2,565 $2,565

$1,769 $1,769

45.04%

Buy Apartment in City Center (m2)

$7,354 $7,354

$1,744 $1,744

321.74%

Buy Apartment Outside City Center (m2)

$3,129 $3,129

$1,710 $1,710

83.05%

Average Monthly Net Salary (After Tax)

$5,286 $5,286

$3,927 $3,927

34.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.62

2.57%

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

Last update for Austin, TX: October 19, 2026

Last update for Temple, TX: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 48.8%

Temple, TX

$1.2K 51.7% 6.1% $81

Groceries & Markets

Austin, TX

$406 15.1%

Temple, TX

$318 13.3% 21.6% $87

Monthly Utilities & Internet

Austin, TX

$352 13.1%

Temple, TX

$339 14.2% 3.8% $13

Eating Out

Austin, TX

$350 13%

Temple, TX

$278 11.7% 20.5% $72

Clothing & Footwear

Austin, TX

$129 4.8%

Temple, TX

$107 4.5% 16.8% $22

Sport & Entertainment

Austin, TX

$86 3.2%

Temple, TX

$42 1.8% 51.5% $44

Getting Around

Austin, TX

$58 2.2%

Temple, TX

$70 2.9% 20.8% $12

Cost Breakdown

A one-bedroom apartment in the center runs $1,940 in Austin, TX and $1,450 in Temple, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 35% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $85.0 in Austin, TX vs $51.0 in Temple, TX for a mid-range dinner for two. Groceries echo the gap at $406 vs $318 per month, with Temple, TX cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇸 Temple, TX

🕒 Local time

15:30 3:30 PM

Same time as Austin, TX

🌤 Weather

👥 Population

974,447

82,073

💱 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 Temple, TX 100 km

From you

Austin, TX
Temple, TX

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 Temple, TX: Cost of Living - Frequently Asked Questions

Temple, TX wins on cost – living expenses run 13% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Temple, TX the obvious pick if budget is a priority.

Average pay runs 35% 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: $1,940 in Austin, TX versus $1,450 in Temple, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,698 per month in Austin, TX versus $2,391 in Temple, TX – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Temple, TX runs roughly 22% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,391 in Temple, TX versus $2,698 in Austin, TX, a $3,000 budget is realistic in Temple, TX but tight or insufficient in Austin, TX. The gap between the two cities makes Temple, TX the clear choice for anyone on this budget.

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.

Expats usually find Temple, TX gentler on the wallet – expenses run 13% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.