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

Monthly Cost of Living

Monthly costs for one person with rent: $2,646 in Austin, TX versus $2,303 in Warsaw, IN.

Estimated couple costs with rent: $4,220 in Austin, TX versus $3,355 in Warsaw, IN.

Monthly costs for a family of three with rent: $5,794 in Austin, TX versus $4,408 in Warsaw, IN.

Living in Austin, TX is roughly 15% more expensive than in Warsaw, IN, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Austin, TX 92% above, Warsaw, IN 67% above.

Meal at Budget Restaurant

$19.88 $19.88

$12.28 $12.28

61.89%

Three-Course Dinner for Two, Mid-Range

$84.0 $84.0

$47.54 $47.54

76.71%

Fast Food Meal (McDonalds, etc)

$12.27 $12.27

$9.34 $9.34

31.37%

Cappuccino

$5.63 $5.63

$4.70 $4.70

19.79%

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

$3.59 $3.59

$2.26 $2.26

58.85%

Water (0.33 liter bottle)

$2.38 $2.38

$1.55 $1.55

53.55%

Local Beer (0.5 liter draught)

$7.83 $7.83

$6.12 $6.12

27.94%

Imported Beer (0.33 liter bottle)

$9.10 $9.10

$7.56 $7.56

20.37%

Milk (1 liter)

$1.14 $1.14

$1.34 $1.34

-14.93%

White Bread (500g)

$3.64 $3.64

$1.86 $1.86

95.70%

Rice (white) (1kg)

$3.31 $3.31

$1.80 $1.80

83.89%

Eggs

$4.44 $4.44

$4.84 $4.84

-8.26%

Local Cheese (1kg)

$13.01 $13.01

$8.46 $8.46

53.78%

Chicken Fillets (1kg)

$14.69 $14.69

$11.59 $11.59

26.75%

Beef Round Steak (1kg)

$17.42 $17.42

$12.23 $12.23

42.44%

Apples (1kg)

$4.61 $4.61

$2.16 $2.16

113.43%

Banana (1kg)

$1.45 $1.45

$1.24 $1.24

16.94%

Oranges (1kg)

$4.76 $4.76

$1.91 $1.91

149.21%

Tomato (1kg)

$4.95 $4.95

$2.28 $2.28

117.11%

Potato (1kg)

$3.01 $3.01

$2.85 $2.85

5.61%

Onion (1kg)

$2.74 $2.74

$1.01 $1.01

171.29%

Lettuce (1 head)

$1.95 $1.95

$1.65 $1.65

18.18%

Water (1.5 liter bottle)

$2.20 $2.20

$1.33 $1.33

65.41%

Cigarettes 20 Pack (Marlboro, Camel)

$9.26 $9.26

$9.67 $9.67

-4.24%

Wine (Bottle)

$14.90 $14.90

$10.28 $10.28

44.94%

Local Beer (0.5 liter bottle)

$2.87 $2.87

$1.98 $1.98

44.95%

Imported Beer (0.33 liter bottle)

$3.59 $3.59

$2.84 $2.84

26.41%

One-way Ticket (Public Transport)

$1.65 $1.65

$2.23 $2.23

-26.01%

Public Transport Monthly Pass (Regular Price)

$41.90 $41.90

Taxi Start (Normal Tariff)

$2.82 $2.82

$3.32 $3.32

-15.06%

Taxi (Normal Tariff) (1km)

$1.59 $1.59

$1.07 $1.07

48.60%

Taxi 1hour Waiting (Normal Tariff)

$34.68 $34.68

$19.84 $19.84

74.80%

Gasoline (1 liter)

$0.95 $0.95

$0.93 $0.93

2.15%

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

$35.7K $35.7K

$35.5K $35.5K

0.50%

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

$26.9K $26.9K

$23.9K $23.9K

12.23%

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

$229 $229

$162 $162

41.41%

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

$58.6 $58.6

$19.62 $19.62

198.42%

Internet (50+ Mbps, Unlimited Data)

$69.3 $69.3

$63.1 $63.1

9.98%

Gym Membership (Monthly)

$65.8 $65.8

$41.45 $41.45

58.72%

Tennis Court (1 Hour on Weekend)

$14.75 $14.75

$49.98 $49.98

-70.49%

Cinema Ticket

$13.86 $13.86

$9.82 $9.82

41.14%

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

$1,501 $1,501

$997 $997

50.55%

International Primary School, 1 Child (Yearly)

$20.9K $20.9K

$12.1K $12.1K

72.97%

Jeans (Levis 501 Or Similar)

$53.7 $53.7

$66.2 $66.2

-18.98%

Summer Dress (H&M, Zara, etc)

$44.41 $44.41

$59.3 $59.3

-25.07%

Sport Shoes (Adidas, Nike)

$90.8 $90.8

$102 $102

-10.80%

Men's Leather Business Shoes

$108 $108

$119 $119

-8.88%

1-bedroom Apartment, City Center (Monthly)

$1,931 $1,931

$1,577 $1,577

22.41%

1-bedroom Apartment, Outside City Center (Monthly)

$1,265 $1,265

$1,286 $1,286

-1.57%

3-bedroom Apartment, City Center (Monthly)

$3,776 $3,776

$2,549 $2,549

48.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,595 $2,595

$2,122 $2,122

22.30%

Buy Apartment in City Center (m2)

$7,340 $7,340

$2,749 $2,749

167.01%

Buy Apartment Outside City Center (m2)

$3,231 $3,231

$2,402 $2,402

34.50%

Average Monthly Net Salary (After Tax)

$5,039 $5,039

$3,604 $3,604

39.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

7.33%

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

Last update for Austin, TX: September 5, 2026

Last update for Warsaw, IN: September 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,931 in Austin, TX and $1,577 in Warsaw, IN. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 40% 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: $84.0 in Austin, TX vs $48.00 in Warsaw, IN for a mid-range dinner for two. Groceries echo the gap at $419 vs $285 per month, with Warsaw, IN cheaper across the board.

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 15% 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 40% 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: $1,931 in Austin, TX versus $1,577 in Warsaw, IN. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,501 in Austin, TX versus $997 in Warsaw, IN. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Warsaw, IN – a meal for two runs $48.00 versus $84.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Warsaw, IN 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.

Expats usually find Warsaw, IN gentler on the wallet – expenses run 15% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.