CostAtlas

Texas vs California cost of living (2026)

By CostAtlas Editorial · 2026-06-14

In short: Texas is the cheaper state: its overall price level is about 97.5 versus 112.5 for California (BEA RPP, US = 100), making California roughly 15% more expensive. But California's median household income (~$95,521) is well above Texas's (~$75,780), so higher pay partly offsets higher costs. Texas also has no state income tax; California's is among the highest.

Texas and California are the two biggest US states and the most-searched cost-of-living matchup. Here’s how they compare on the numbers that matter for a move.

Estimate — verify with the primary sources. These are statewide averages; Austin and rural West Texas are very different, as are San Francisco and inland California.

Side by side

IndicatorTexasCalifornia
Price level (BEA RPP, US = 100)97.5112.5
Price vs US average-2.5%+12.5%
Median household income (2023)$75,780$95,521
Median gross rent / month$1,475$2,104
State income taxNoneAmong the highest

See the live data on California vs Texas.

Which is cheaper?

On overall price level, Texas is cheaper — about 15% less expensive than California. The headline driver is housing: California’s median rent ($2,104) is roughly 43% above Texas’s ($1,475), and home prices diverge even more.

The salary you’d need

Using the salary-needed formula, to keep the same standard of living:

MovingEquivalent salary
$100,000 in Texas → California~$115,400
$100,000 in California → Texas~$86,700

Run your own number in the calculator.

But income and taxes flip part of the story

California’s median household income is nearly 26% higher than Texas’s, so many roles simply pay more there. The counterweight is tax: Texas has no state income tax, while California’s top marginal rates are among the highest in the country — a gap this price-level comparison does not capture. Net it all out with your specific salary and target city.

Bottom line

If your pay is similar in both, Texas stretches further. If a California move comes with a big enough raise, the higher salary can absorb the higher prices — especially outside the priciest coastal metros. For more matchups, see Texas vs Florida and the comparisons hub.

Sources

Price level: BEA RPP. Income and rent: U.S. Census Bureau ACS. Estimates as of June 2026. See our methodology.

Frequently asked questions

Is California or Texas cheaper to live in?

Texas is cheaper. Its overall price level is about 97.5 versus 112.5 for California on the BEA scale (US = 100), so California is roughly 15% more expensive overall — driven mostly by housing.

What salary in California matches $100,000 in Texas?

About $115,400. Because California's price level (~112.5) is higher than Texas's (~97.5), $100,000 of Texas buying power needs to become roughly $115,400 in California to break even on prices — before accounting for taxes.

Does Texas or California pay higher salaries?

California has the higher median household income (~$95,521 vs ~$75,780 in Texas, Census ACS 2023). Texas, however, has no state income tax, while California's top rates are among the nation's highest.

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Last updated: 2026-06-14