Austin vs Washington: cost of living compared

Washington is 29% more expensive than Austin overall. Austin (TX) has no state income tax; DC tops out around 8.5%.

Indexes use a US average of 100: below 100 is cheaper than the national average. Housing and transportation are derived from median home prices, rents and commute times; figures come from BLS, Census ACS, Numbeo and the MIT Living Wage Calculator.

The big picture

Overall, the cost of living in Washington is considerably higher than in Austin. While both metros exceed the national average, Washington presents a much steeper financial commitment. This difference is largely driven by housing expenses, which are noticeably higher in Washington, but other categories also contribute to the wider gap in daily costs between the two cities.

Housing

Housing costs are a primary differentiator, with both home purchase prices and rental rates for a one-bedroom being substantially lower in Austin. Austin's housing market is characterized by a mix of newer construction and established homes, often with more land, while Washington typically features denser, older housing stock like rowhouses and apartments. Property taxes and insurance costs will also vary by location.

Taxes and everyday costs

Daily expenses beyond housing also differ. Washington has a state income tax, unlike Austin. Transportation costs are notably higher in Washington, reflecting its dense urban environment and reliance on public transit, though Austin's car-centric layout also adds up. Food, healthcare, and utility costs are also somewhat higher in Washington, meaning more of your budget will go to these necessities.

Lifestyle trade-offs

Austin offers a warm, humid subtropical climate with hot summers, known for its live music and outdoor activities, with a generally more relaxed pace. Washington experiences four distinct seasons, including hot summers and cold winters, and is a hub for government and cultural institutions, with a faster, more formal pace. Commute times are generally shorter in Austin, which is more car-dependent, while Washington has extensive public transit options.

Bottom line

Moving from Austin to Washington would mean a significant increase in overall expenses, particularly for housing. Even with Austin's higher utility costs, Washington's higher prices across most categories, coupled with its state income tax, mean a household budget would need to stretch considerably further. Conversely, a move to Austin would offer substantial savings on living expenses.

Compare any two metros with the free cost of living tool, or see the true monthly cost of a specific Washington home with the True Cost Calculator.

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