Last update: Oct 2026

Cost of Living Comparison Between Cruz Bay and Austin, TX

For one person, living is cheaper in Austin, TX: $2,704 a month against $2,940 in Cruz Bay, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Cruz Bay outweigh lower spending on other living expenses.

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

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Cruz Bay

🇻🇮 U.S. Virgin Islands

$2,940

/mo nomad

Austin, TX

🇺🇸 United States

$2,704

/mo nomad

Monthly Cost of Living

How much you'll spend in Cruz Bay and in Austin, TX

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

Monthly costs for one person with rent: $2,940 in Cruz Bay versus $2,704 in Austin, TX.

Cruz Bay $2,940
Austin, TX $2,704

Estimated couple costs with rent: $4,735 in Cruz Bay versus $4,133 in Austin, TX.

Cruz Bay $4,735
Austin, TX $4,133

Monthly costs for a family of three with rent: $6,530 in Cruz Bay versus $5,562 in Austin, TX.

Cruz Bay $6,530
Austin, TX $5,562

Living in Cruz Bay is roughly 9% more expensive than in Austin, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Cruz Bay 119% above, Austin, TX 102% above.

Meal at Budget Restaurant

$29.40 $29.40

$20.22 $20.22

45.40%

Three-Course Dinner for Two, Mid-Range

$92.2 $92.2

$85.0 $85.0

8.48%

Fast Food Meal (McDonalds, etc)

$16.78 $16.78

$12.35 $12.35

35.87%

Cappuccino

$9.25 $9.25

$5.47 $5.47

69.10%

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

$2.96 $2.96

$3.82 $3.82

-22.51%

Water (0.33 liter bottle)

$3.90 $3.90

$2.50 $2.50

56.00%

Local Beer (0.5 liter draught)

$7.96 $7.96

$8.06 $8.06

-1.24%

Imported Beer (0.33 liter bottle)

$9.16 $9.16

$8.99 $8.99

1.89%

Milk (1 liter)

$8.23 $8.23

$1.13 $1.13

628.32%

White Bread (500g)

$3.78 $3.78

Rice (white) (1kg)

$3.25 $3.25

Eggs

$4.93 $4.93

$4.14 $4.14

19.08%

Local Cheese (1kg)

$13.08 $13.08

Chicken Fillets (1kg)

$15.54 $15.54

$14.31 $14.31

8.60%

Beef Round Steak (1kg)

$15.96 $15.96

Apples (1kg)

$8.57 $8.57

$4.38 $4.38

95.66%

Banana (1kg)

$1.45 $1.45

Oranges (1kg)

$4.54 $4.54

Tomato (1kg)

$4.19 $4.19

Potato (1kg)

$2.63 $2.63

Onion (1kg)

$2.36 $2.36

Lettuce (1 head)

$1.76 $1.76

Water (1.5 liter bottle)

$2.16 $2.16

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

Wine (Bottle)

$25.46 $25.46

$14.72 $14.72

72.96%

Local Beer (0.5 liter bottle)

$2.78 $2.78

Imported Beer (0.33 liter bottle)

$3.48 $3.48

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$40.51 $40.51

Taxi Start (Normal Tariff)

$2.67 $2.67

Taxi (Normal Tariff) (1km)

$1.58 $1.58

Taxi 1hour Waiting (Normal Tariff)

$35.29 $35.29

Gasoline (1 liter)

$0.99 $0.99

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

$35.8K $35.8K

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

$27.2K $27.2K

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

$357 $357

$219 $219

62.73%

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

$141 $141

$58.0 $58.0

142.78%

Internet (50+ Mbps, Unlimited Data)

$59.6 $59.6

$68.4 $68.4

-12.77%

Gym Membership (Monthly)

$90.0 $90.0

$57.9 $57.9

55.35%

Tennis Court (1 Hour on Weekend)

$14.82 $14.82

Cinema Ticket

$14.13 $14.13

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

$1,509 $1,509

International Primary School, 1 Child (Yearly)

$13.2K $13.2K

$21.5K $21.5K

-38.37%

Jeans (Levis 501 Or Similar)

$51.7 $51.7

Summer Dress (H&M, Zara, etc)

$44.05 $44.05

Sport Shoes (Adidas, Nike)

$85.1 $85.1

Men's Leather Business Shoes

$105 $105

1-bedroom Apartment, City Center (Monthly)

$1,799 $1,799

$1,932 $1,932

-6.87%

1-bedroom Apartment, Outside City Center (Monthly)

$1,523 $1,523

$1,272 $1,272

19.72%

3-bedroom Apartment, City Center (Monthly)

$3,551 $3,551

$3,670 $3,670

-3.24%

3-bedroom Apartment, Outside City Center (Monthly)

$3,454 $3,454

$2,525 $2,525

36.81%

Buy Apartment in City Center (m2)

$10.9K $10.9K

$7,617 $7,617

43.08%

Buy Apartment Outside City Center (m2)

$3,199 $3,199

Average Monthly Net Salary (After Tax)

$6,136 $6,136

$5,105 $5,105

20.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

-26.36%

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

Last update for Cruz Bay: October 6, 2026

Last update for Austin, TX: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Cruz Bay

–

Austin, TX

$1.3K 48.2%

Groceries & Markets

Cruz Bay

–

Austin, TX

$403 15.3%

Eating Out

Cruz Bay

–

Austin, TX

$348 13.2%

Monthly Utilities & Internet

Cruz Bay

–

Austin, TX

$346 13.1%

Clothing & Footwear

Cruz Bay

–

Austin, TX

$129 4.9%

Sport & Entertainment

Cruz Bay

–

Austin, TX

$86 3.3%

Getting Around

Cruz Bay

–

Austin, TX

$57 2.2%

Cost Breakdown

A one-bedroom apartment in the center runs $1,799 in Cruz Bay and $1,932 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 20% 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: $92.0 in Cruz Bay vs $85.0 in Austin, TX. Groceries flip the comparison at $274 vs $403, with Cruz Bay cheaper for home cooking.

Good to know

🇻🇮 Cruz Bay

🇺🇸 Austin, TX

🕒 Local time

07:41 7:41 AM

06:41 6:41 AM

1 h behind Cruz Bay

🌤 Weather

👥 Population

2,743

974,447

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.892 EUR

Exchange rates and currency converter

On the map

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Between locations

Cruz Bay Austin, TX 3,580 km ≈ 5 h nonstop flight

From you

Cruz Bay
Austin, 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

Cruz Bay vs Austin, TX: Cost of Living - Frequently Asked Questions

Austin, TX wins on cost – living expenses run 9% lower than in Cruz Bay. 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 20% higher in Cruz Bay, 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: $1,799 in Cruz Bay versus $1,932 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,940 per month in Cruz Bay versus $2,704 in Austin, TX – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Cruz Bay pay roughly 47% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

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, Cruz Bay and Austin, TX 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 Cruz Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.