Last update: Oct 2026

Cost of Living Comparison Between Tarlac City and Austin, TX

For one person, living is cheaper in Tarlac City: $531 a month against $2,663 in Austin, TX, rent and utilities included – about $25,600 less a year. Rent and utilities account for most of the difference.

26

Cost of Living Index in Tarlac City
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Tarlac City Living Index
130

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

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Tarlac City

🇵🇭 Philippines

$531

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Tarlac City 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 Tarlac City and in Austin, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $531 in Tarlac City versus $2,663 in Austin, TX.

Tarlac City $531
Austin, TX $2,663

Estimated couple costs with rent: $815 in Tarlac City versus $4,133 in Austin, TX.

Tarlac City $815
Austin, TX $4,133

Monthly costs for a family of three with rent: $1,098 in Tarlac City versus $5,603 in Austin, TX.

Tarlac City $1,098
Austin, TX $5,603

Living in Tarlac City costs roughly 80% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Tarlac City is 61% below, Austin, TX is 97% above.

Meal at Budget Restaurant

$2.04 ₱129

$20.77 $20.77

-90.18%

Three-Course Dinner for Two, Mid-Range

$8.02 ₱505

$84.6 $84.6

-90.52%

Fast Food Meal (McDonalds, etc)

$2.84 ₱179

$12.32 $12.32

-76.95%

Cappuccino

$1.84 ₱116

$5.63 $5.63

-67.32%

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

$0.46 ₱28.88

$3.72 $3.72

-87.63%

Water (0.33 liter bottle)

$0.30 ₱19.04

$2.50 $2.50

-88.00%

Local Beer (0.5 liter draught)

$1.02 ₱64.2

$8.05 $8.05

-87.33%

Imported Beer (0.33 liter bottle)

$1.63 ₱102

$9.01 $9.01

-81.91%

Milk (1 liter)

$1.70 ₱107

$1.12 $1.12

51.79%

White Bread (500g)

$1.15 ₱72.5

$3.75 $3.75

-69.33%

Rice (white) (1kg)

$1.01 ₱63.8

$3.26 $3.26

-69.02%

Eggs

$1.95 ₱123

$4.17 $4.17

-53.24%

Local Cheese (1kg)

$5.15 ₱325

$12.90 $12.90

-60.08%

Chicken Fillets (1kg)

$2.66 ₱168

$14.16 $14.16

-81.21%

Beef Round Steak (1kg)

$6.37 ₱401

$16.22 $16.22

-60.73%

Apples (1kg)

$1.61 ₱101

$4.33 $4.33

-62.82%

Banana (1kg)

$1.58 ₱99.6

$1.46 $1.46

8.22%

Oranges (1kg)

$1.95 ₱123

$4.51 $4.51

-56.76%

Tomato (1kg)

$1.06 ₱67.1

$4.34 $4.34

-75.58%

Potato (1kg)

$1.74 ₱110

$2.58 $2.58

-32.56%

Onion (1kg)

$1.20 ₱75.6

$2.35 $2.35

-48.94%

Lettuce (1 head)

$0.62 ₱39.30

$1.78 $1.78

-65.17%

Water (1.5 liter bottle)

$0.49 ₱30.88

$2.22 $2.22

-77.93%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$9.88 $9.88

-69.74%

Wine (Bottle)

$3.80 ₱239

$15.08 $15.08

-74.80%

Local Beer (0.5 liter bottle)

$0.90 ₱56.4

$2.92 $2.92

-69.18%

Imported Beer (0.33 liter bottle)

$1.54 ₱96.9

$3.46 $3.46

-55.49%

One-way Ticket (Public Transport)

$0.23 ₱14.42

$1.49 $1.49

-84.56%

Public Transport Monthly Pass (Regular Price)

$8.22 ₱517

$41.72 $41.72

-80.30%

Taxi Start (Normal Tariff)

$0.76 ₱47.98

$2.73 $2.73

-72.16%

Taxi (Normal Tariff) (1km)

$0.25 ₱15.82

$1.66 $1.66

-84.94%

Taxi 1hour Waiting (Normal Tariff)

$1.32 ₱83.2

$35.30 $35.30

-96.26%

Gasoline (1 liter)

$1.19 ₱75.2

$0.95 $0.95

25.26%

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

$21.2K ₱1.3M

$36.0K $36.0K

-41.14%

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

$19.5K ₱1.2M

$27.1K $27.1K

-28.02%

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

$89.9 ₱5,661

$229 $229

-60.74%

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

$5.72 ₱360

$59.4 $59.4

-90.37%

Internet (50+ Mbps, Unlimited Data)

$23.40 ₱1,473

$69.9 $69.9

-66.53%

Gym Membership (Monthly)

$39.83 ₱2,508

$57.2 $57.2

-30.42%

Tennis Court (1 Hour on Weekend)

$16.18 ₱1,019

$16.33 $16.33

-0.92%

Cinema Ticket

$5.12 ₱322

$14.28 $14.28

-64.15%

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

$132 ₱8,311

$1,506 $1,506

-91.23%

International Primary School, 1 Child (Yearly)

$10.6K ₱669.2K

$21.5K $21.5K

-50.46%

Jeans (Levis 501 Or Similar)

$28.81 ₱1,814

$52.8 $52.8

-45.45%

Summer Dress (H&M, Zara, etc)

$19.45 ₱1,224

$43.82 $43.82

-55.61%

Sport Shoes (Adidas, Nike)

$62.3 ₱3,924

$84.8 $84.8

-26.47%

Men's Leather Business Shoes

$49.52 ₱3,118

$103 $103

-51.93%

1-bedroom Apartment, City Center (Monthly)

$87.6 ₱5,512

$1,907 $1,907

-95.41%

1-bedroom Apartment, Outside City Center (Monthly)

$70.7 ₱4,451

$1,274 $1,274

-94.45%

3-bedroom Apartment, City Center (Monthly)

$258 ₱16.3K

$3,664 $3,664

-92.95%

3-bedroom Apartment, Outside City Center (Monthly)

$165 ₱10.4K

$2,538 $2,538

-93.51%

Buy Apartment in City Center (m2)

$375 ₱23.6K

$7,614 $7,614

-95.07%

Buy Apartment Outside City Center (m2)

$292 ₱18.4K

$3,157 $3,157

-90.75%

Average Monthly Net Salary (After Tax)

$210 ₱13.2K

$5,121 $5,121

-95.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

6.79

-0.59%

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

Last update for Tarlac City: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Groceries & Markets

Tarlac City

$150 28.2%

Austin, TX

$405 15.2% 170% $255

Monthly Utilities & Internet

Tarlac City

$119 22.4%

Austin, TX

$358 13.5% 201% $239

Clothing & Footwear

Tarlac City

$72 13.6%

Austin, TX

$128 4.8% 77.6% $56

Accommodation & Living

Tarlac City

$71 13.3%

Austin, TX

$1.3K 47.8% 1702% $1.2K

Eating Out

Tarlac City

$58 11%

Austin, TX

$354 13.3% 506% $296

Sport & Entertainment

Tarlac City

$50 9.4%

Austin, TX

$86 3.2% 71.3% $36

Getting Around

Tarlac City

$11 2.1%

Austin, TX

$59 2.2% 426% $48

Cost Breakdown

A one-bedroom apartment in the center runs $87.6 in Tarlac City and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 2338% 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: $8.00 in Tarlac City vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $150 vs $405 per month, with Tarlac City cheaper across the board.

Good to know

🇵🇭 Tarlac City

🇺🇸 Austin, TX

🕒 Local time

19:41 7:41 PM

06:41 6:41 AM

13 h behind Tarlac City

🌤 Weather

👥 Population

385,398

974,447

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to PHP in detail →

On the map

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Highest

Between locations

Tarlac City Austin, TX 13,480 km ≈ 17 h nonstop flight

From you

Tarlac City
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

Tarlac City vs Austin, TX: Cost of Living - Frequently Asked Questions

Tarlac City wins on cost – living expenses run 401% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Tarlac City the obvious pick if budget is a priority.

On paper, salaries run 2338% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $87.6 in Tarlac City versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $531 per month in Tarlac City versus $2,663 in Austin, TX – a 401% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tarlac City runs roughly 408% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $531 in Tarlac City versus $2,663 in Austin, TX, a $1,000 budget is realistic in Tarlac City but tight or insufficient in Austin, TX. The gap between the two cities makes Tarlac City 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.

Safety-wise, Tarlac City 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 Tarlac City gentler on the wallet – expenses run 401% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.