The cost of living in San Antonio, Texas, is one of the key reasons why homebuyers choose this incredible city to plant roots. They can maximize their budget without compromising on quality of life. Whether you're buying your first home or relocating for a change of pace, our guide can help break down the numbers—from housing prices to everyday costs—so you have an overall picture of San Antonio living expenses.

Summary:

• Cost of Living in San Antonio, Texas

• Housing Costs in San Antonio, Texas

• Other Living Expenses in San Antonio, Texas

  • Grocery Shopping and Dining Out in San Antonio

  • Transportation Options and Fuel Costs in San Antonio

  • Healthcare and Insurance Costs in San Antonio

  • Utilities, Internet, and Phone Expenses in San Antonio

  • Tax Rates in the San Antonio Area

  • Recreation Costs in San Antonio, Texas

• Average Salary in San Antonio, Texas

• San Antonio Cost of Living Comparison

• Average Cost of New Construction Homes in San Antonio by Neighborhood

• Cost of Living in San Antonio, Texas, Conclusion

Cost of Living in San Antonio, Texas

When it comes to the cost of living in Texas, San Antonio is one of the more affordable cities in the state. The average cost of living in San Antonio is 9% below the national average, as reported by Payscale® in 2024. The MIT® Living Wage Calculator (2024) estimates that an adult with no children needs to earn around $20.45 per hour to cover basic expenses. For households with children, that number increases depending on household size and the number of working adults. For example, two working adults with two children need to each earn approximately $24.13 per hour to meet basic living costs in San Antonio.

Housing Costs in San Antonio, Texas

According to Payscale's 2024 data, housing in San Antonio is 20% lower than the national average. Per Redfin®, San Antonio has a somewhat competitive housing market with a median home sale price of $264K as of October 2024. This makes San Antonio more affordable than many other large U.S. cities, which is beneficial for prospective homebuyers.

MIT’s Living Wage Calculator (2024) estimates that overall housing costs for a single adult with no children in San Antonio average around $12,795 annually, while a household of two parents and two children can expect to spend approximately $17,483 per year. 

Other Living Expenses in San Antonio, Texas

For day-to-day costs, San Antonio is generally cost-effective. From groceries to utilities, you’ll find that many of the basics are more affordable than in other cities. Here’s a look at a few of those essential living expenses in San Antonio.

Grocery Shopping and Dining Out in San Antonio

Grocery prices in San Antonio are 5% lower than the national average, per Payscale’s October 2024 data, with average costs for grocery stapes averaging $3.77 for a loaf of bread, $4.44 for a gallon of milk, and $3.29 for a carton of eggs. Dining out is also relatively inexpensive, with Payscale reporting an average hamburger costing $5.26.

Transportation Options and Fuel Costs in San Antonio

Transportation expenses in San Antonio are 6% lower than the national average, with gas prices roughly $3.18 per gallon, according to Payscale as of October 2024. This, coupled with affordable public transportation, helps make commuting more cost-effective.

According to MIT’s Living Wage Calculator (2024), overall transportation costs for an individual are approximately $10,334 annually, while a household with two children can expect to pay around $17,334.

Healthcare and Insurance Costs in San Antonio

Healthcare expenses in San Antonio are 7% higher than the national average, per Payscale in 2024, with a typical doctor's visit around $150.29 and dental appointments averaging $123.59. While health care is slightly more expensive here, it remains competitive with other large metropolitan areas. For medical insurance, MoneyGeek® finds that monthly premiums for the less expensive plans range from $407 to $543. 

On average, MIT reports that as of 2024, a single adult with no children pays approximately $2,822 annually for medical expenses, and a household of two working parents with two children averages $9,378 per year. 

Utilities, Internet, and Phone Expenses in San Antonio

The average cost of utilities in San Antonio, including electricity and gas, is 17% below the national average, according to Payscale’s 2024 data, with most households paying $165.26 per month for energy. Internet and phone services add another $161.50 per month, making the total cost for basic utilities and connectivity quite affordable.

Tax Rates in the San Antonio Area

Texas is one of the few states that does not levy state income taxes, providing a financial benefit to residents. However, property taxes in the San Antonio area average around 2.23%, according to Avalara® as of 2024. This higher property tax rate is offset by the absence of state income taxes to help balance the cost for homeowners.

Recreation Costs in San Antonio, Texas

According to RentCafe®, as of September 2024, popular activities in San Antonio are reasonably priced, with a movie ticket costing around $11–$12 and a yoga class just under $18. If you're looking for more area-specific experiences, here are a few great options to consider, along with their cost:

• San Antonio Zoo®: This zoo features 750 species amid interactive exhibits and kid-friendly programs. Adult tickets start at $31.99, children's tickets are $27.99, and discounted rates for seniors and military members are $26.99. Children under three and zoo members can enjoy free entry.

• The Alamo™: Visitors can explore the grounds, view artifacts, and participate in guided tours. While admission to the church is always free, tours vary from $10–$45 per person, depending on the experience.

• San Antonio River Walk: On this scenic network of walkways along the San Antonio River, lined with shops and restaurants, you can take in the view for free or pop into storefronts for as much shopping as your heart desires.

Discover more recreational activities and attractions with our guide to many fun things to do in San Antonio, TX.

Average Salary in San Antonio, Texas

As of September 2024, ZipRecruiter® reports the average annual salary in San Antonio is around $52,887. This breaks down to approximately $25.43 per hour or $1,017 per week and $4,407 monthly. Salaries in the city typically fall between $38,963 at the 25th percentile and $66,810 at the 75th percentile.

San Antonio Cost of Living Comparison

Whether you’re moving here from out of state or just weighing your options, it can be helpful to see how the average cost of living in San Antonio, Texas, compares to other major cities:

• San Antonio, TX vs. Denver, CO: Housing in San Antonio is approximately 30% more affordable than in Denver, based on Payscale 2024 data. While Denver has a booming tech industry and endless outdoor activities, the higher housing costs can strain budgets.
  
  

• San Antonio, TX vs. Tampa, FL: While Tampa shares a similar overall cost of living, San Antonio’s housing costs are notably lower, according to Payscale as of 2024. Tampa offers coastal appeal, but with San Antonio’s lower housing expenses, residents often find they can stretch their income further in Texas, especially with utilities and groceries.
  
  

• San Antonio, TX vs. Phoenix, AZ: Residents of Phoenix face higher housing and transportation costs than San Antonio, reports Payscale for 2024. While both cities enjoy warmer climates and growing economies, San Antonio stands out for its affordable living, helping make it easier for people to purchase homes and maintain a comfortable lifestyle.

Average Cost of New Construction Homes in San Antonio by Neighborhood

Building a new home in San Antonio is relatively cost-effective compared to other major Texas cities. Let's look at the average cost of a new construction home in popular San Antonio areas.

Boerne

Located just 30 miles northwest of San Antonio, Boerne offers a small-town charm with easy access to the city. Known for its historic downtown and scenic Hill Country views, Boerne has become a popular spot for families and retirees looking for a quieter pace. The town features a thriving arts scene and popular outdoor spots like Cibolo Nature Center® and Boerne Lake. As of October 2024, the cost to build a new home in Boerne, according to NewHomeSource®, ranges from the low $300Ks to the upper $1M. Our new construction homes in Boerne, TX, start in the mid $300Ks.

Marion

Marion, TX, is a small town approximately 30 miles east of San Antonio, offering a quiet, rural lifestyle. Despite its small size, Marion’s proximity to both San Antonio and New Braunfels gives residents access to larger city amenities while maintaining a peaceful country setting. The cost to build a new home in Marion, according to NewHomeSource, ranges from the low $200Ks to the upper $400Ks. Our new construction homes in Marion, TX, start in the mid $200Ks.

New Braunfels

New Braunfels sits between San Antonio and Austin and is renowned for its German heritage and tourism. It’s home to attractions like Schlitterbahn Waterpark® and the Comal River, helping make it a popular destination for both locals and visitors. The city also features a mix of historic charm and modern conveniences, with plenty of shopping, dining, and outdoor activities. NewHomeSource finds the cost to build a new home in New Braunfels ranges from the low $200Ks to upper $800Ks. Our new construction homes in New Braunfels, TX, start in the upper $200Ks.

Seguin

Seguin, TX, located about 35 miles east of San Antonio, is a historic city known for its rich agricultural roots and thriving industrial sector. The city is home to Texas Lutheran University and popular attractions like the Guadalupe River and ZDT’s Amusement Park. Residents enjoy a mix of history, outdoor recreation, and a slower pace of life while still being close to the amenities of San Antonio. The cost to build a new home in Seguin ranges from the mid $100Ks to mid $600Ks, per NewHomeSource. Our new construction homes in New Braunfels-Seguin, TX, start in the mid $200Ks.

San Antonio

San Antonio is a big Texan city with a population of over 1.5 million, known for its rich history and culture. Famous for attractions like The Alamo™, the San Antonio River Walk, and Six Flags® Fiesta Texas, the city offers a mix of old-world charm and modern life. With a diverse food scene, historic sites, and proximity to Hill Country, it’s a top choice for homebuyers. The cost to build a new home in San Antonio according to NewHomeSource ranges from the mid $100Ks to the mid $1.2M. Our new construction homes in San Antonio, TX, start in the mid $200Ks.

Cost of Living in San Antonio, Texas, Conclusion

If you’re considering a move to San Antonio, this remarkable city offers a perfect blend of affordability, culture, and quality of life. By knowing the price of living in San Antonio, TX, you can make an informed decision on whether it's the ideal place for your next home.

Explore new construction homes in San Antonio, TX, today, or browse more Pulte® blogs. 

Written By: Jordan Thomson, Freelance Writer

Last Updated:3/5/2025