Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Warsaw, IN

For one person, living is cheaper in Warsaw, IN: $2,325 a month against $2,607 in Austin, TX, rent and utilities included – about $3,400 less a year. Other living expenses account for most of the difference.

125

Cost of Living Index in Austin, TX
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Austin, TX Living Index
113

Cost of Living Index in Warsaw, IN
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Warsaw, IN Living Index

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Austin, TX

🇺🇸 United States

$2,607

/mo nomad

Warsaw, IN

🇺🇸 United States

$2,325

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Warsaw, IN

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 Warsaw, IN actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,607 in Austin, TX versus $2,325 in Warsaw, IN.

Austin, TX $2,607
Warsaw, IN $2,325

Estimated couple costs with rent: $4,031 in Austin, TX versus $3,378 in Warsaw, IN.

Austin, TX $4,031
Warsaw, IN $3,378

Monthly costs for a family of three with rent: $5,454 in Austin, TX versus $4,431 in Warsaw, IN.

Austin, TX $5,454
Warsaw, IN $4,431

Living in Austin, TX is roughly 12% more expensive than in Warsaw, IN, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 92% above, Warsaw, IN 71% above.

Meal at Budget Restaurant

$20.35 $20.35

$12.39 $12.39

64.25%

Three-Course Dinner for Two, Mid-Range

$84.7 $84.7

$47.74 $47.74

77.44%

Fast Food Meal (McDonalds, etc)

$12.12 $12.12

$9.03 $9.03

34.22%

Cappuccino

$5.65 $5.65

$4.88 $4.88

15.78%

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

$3.68 $3.68

$2.26 $2.26

62.83%

Water (0.33 liter bottle)

$2.36 $2.36

$1.62 $1.62

45.68%

Local Beer (0.5 liter draught)

$7.87 $7.87

$6.11 $6.11

28.81%

Imported Beer (0.33 liter bottle)

$8.82 $8.82

$7.66 $7.66

15.14%

Milk (1 liter)

$1.14 $1.14

$1.21 $1.21

-5.79%

White Bread (500g)

$3.69 $3.69

$1.81 $1.81

103.87%

Rice (white) (1kg)

$3.31 $3.31

$1.80 $1.80

83.89%

Eggs

$4.15 $4.15

$4.65 $4.65

-10.75%

Local Cheese (1kg)

$12.98 $12.98

$8.50 $8.50

52.71%

Chicken Fillets (1kg)

$13.86 $13.86

$11.67 $11.67

18.77%

Beef Round Steak (1kg)

$16.34 $16.34

$11.99 $11.99

36.28%

Apples (1kg)

$4.69 $4.69

$2.17 $2.17

116.13%

Banana (1kg)

$1.45 $1.45

$1.24 $1.24

16.94%

Oranges (1kg)

$5.11 $5.11

$1.89 $1.89

170.37%

Tomato (1kg)

$4.52 $4.52

$2.34 $2.34

93.16%

Potato (1kg)

$3.08 $3.08

$2.66 $2.66

15.79%

Onion (1kg)

$2.38 $2.38

$1.05 $1.05

126.67%

Lettuce (1 head)

$1.80 $1.80

$1.65 $1.65

9.09%

Water (1.5 liter bottle)

$2.22 $2.22

$1.27 $1.27

74.80%

Cigarettes 20 Pack (Marlboro, Camel)

$9.97 $9.97

$9.70 $9.70

2.78%

Wine (Bottle)

$15.05 $15.05

$10.12 $10.12

48.72%

Local Beer (0.5 liter bottle)

$2.91 $2.91

$2.02 $2.02

44.06%

Imported Beer (0.33 liter bottle)

$3.33 $3.33

$2.73 $2.73

21.98%

One-way Ticket (Public Transport)

$1.22 $1.22

$1.82 $1.82

-32.97%

Public Transport Monthly Pass (Regular Price)

$40.53 $40.53

$54.5 $54.5

-25.56%

Taxi Start (Normal Tariff)

$2.78 $2.78

$3.32 $3.32

-16.27%

Taxi (Normal Tariff) (1km)

$1.65 $1.65

$1.12 $1.12

47.32%

Taxi 1hour Waiting (Normal Tariff)

$35.39 $35.39

$20.32 $20.32

74.16%

Gasoline (1 liter)

$0.95 $0.95

$0.97 $0.97

-2.06%

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

$34.2K $34.2K

$34.4K $34.4K

-0.53%

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

$26.8K $26.8K

$23.6K $23.6K

13.18%

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

$223 $223

$163 $163

36.92%

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

$58.5 $58.5

$19.69 $19.69

197.00%

Internet (50+ Mbps, Unlimited Data)

$71.2 $71.2

$60.9 $60.9

16.94%

Gym Membership (Monthly)

$53.0 $53.0

$40.25 $40.25

31.78%

Tennis Court (1 Hour on Weekend)

$16.75 $16.75

$50.7 $50.7

-66.98%

Cinema Ticket

$14.06 $14.06

$10.03 $10.03

40.18%

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

$1,459 $1,459

$998 $998

46.12%

International Primary School, 1 Child (Yearly)

$21.3K $21.3K

$11.9K $11.9K

78.77%

Jeans (Levis 501 Or Similar)

$52.5 $52.5

$66.5 $66.5

-21.08%

Summer Dress (H&M, Zara, etc)

$42.75 $42.75

$51.7 $51.7

-17.36%

Sport Shoes (Adidas, Nike)

$86.4 $86.4

$98.5 $98.5

-12.21%

Men's Leather Business Shoes

$104 $104

$121 $121

-14.40%

1-bedroom Apartment, City Center (Monthly)

$2,112 $2,112

$1,590 $1,590

32.83%

1-bedroom Apartment, Outside City Center (Monthly)

$1,230 $1,230

$1,271 $1,271

-3.21%

3-bedroom Apartment, City Center (Monthly)

$3,863 $3,863

$2,522 $2,522

53.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,407 $2,407

$2,139 $2,139

12.53%

Buy Apartment in City Center (m2)

$7,426 $7,426

$2,817 $2,817

163.57%

Buy Apartment Outside City Center (m2)

$3,060 $3,060

$2,351 $2,351

30.15%

Average Monthly Net Salary (After Tax)

$5,179 $5,179

$3,611 $3,611

43.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

13.67%

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

Last update for Austin, TX: October 26, 2026

Last update for Warsaw, IN: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.2K 47.2%

Warsaw, IN

$1.3K 54.7% 3.3% $41

Groceries & Markets

Austin, TX

$410 15.7%

Warsaw, IN

$281 12.1% 31.4% $129

Monthly Utilities & Internet

Austin, TX

$353 13.5%

Warsaw, IN

$243 10.5% 31% $109

Eating Out

Austin, TX

$348 13.4%

Warsaw, IN

$246 10.6% 29.3% $102

Clothing & Footwear

Austin, TX

$128 4.9%

Warsaw, IN

$152 6.5% 18.4% $24

Sport & Entertainment

Austin, TX

$81 3.1%

Warsaw, IN

$60 2.6% 25.7% $21

Getting Around

Austin, TX

$56 2.2%

Warsaw, IN

$71 3% 25.1% $14

Cost Breakdown

A one-bedroom apartment in the center runs $2,112 in Austin, TX and $1,590 in Warsaw, IN. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 43% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $85 in Austin, TX vs $48 in Warsaw, IN for a mid-range dinner for two. Groceries echo the gap at $410 vs $281 per month, with Warsaw, IN cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇸 Warsaw, IN

🕒 Local time

09:24 9:24 AM

10:24 10:24 AM

1 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

13,082

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Austin, TX Warsaw, IN 1,620 km ≈ 2 h 30 min nonstop flight

From you

Austin, TX
Warsaw, IN

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 Warsaw, IN: Cost of Living - Frequently Asked Questions

Warsaw, IN wins on cost – living expenses run 11% lower than in Austin, TX. Housing and daily spending are where you’ll feel the difference most, making Warsaw, IN the obvious pick if budget is a priority.

Average pay runs 43% 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: $2,112 in Austin, TX versus $1,590 in Warsaw, IN. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,607 per month in Austin, TX versus $2,325 in Warsaw, IN – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Austin, TX runs roughly 26% less than in Warsaw, IN. Both cities have functional networks, but the price difference matters if you’re watching your budget.

For families, Warsaw, IN is more practical. Housing and childcare are both notably cheaper than in Austin, TX, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Warsaw, IN wins on affordability, Austin, TX on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.