Housing Costs
The first thing anyone asks about when considering a move is housing. It’s no secret that the cost of living in San Antonio, TX is heavily influenced by how much you pay for your home. The median home price in San Antonio hovers around $290,000, according to Zillow's 2025 data. That’s significantly lower than Austin, where the median price sits closer to $450,000. Renting is also pretty reasonable , a one-bedroom apartment downtown will run about $1,300 per month, while further out in suburbs like Helotes or Schertz, you might find something closer to $950.Utilities and Basic Services
Utilities are another important factor when thinking about the cost of living in San Antonio, TX. Fortunately, they’re quite manageable. Expect to pay around $160–$190 monthly for electricity, water, and garbage services combined. San Antonio’s warm climate means you’ll be running the air conditioning much of the year, but thanks to energy-efficient programs through CPS Energy, the city’s main provider, utility bills stay fairly reasonable. Internet service typically costs around $55–$70 per month, depending on the speed and provider you choose.How Much You'll Spend on Food
Grocery shopping in San Antonio doesn’t feel like an assault on your wallet. H-E-B, a Texas favorite, dominates the grocery scene, offering good prices and a variety of local products. Here’s a rough idea of average grocery prices in San Antonio:- A gallon of milk: $3.50
- A loaf of bread: $2.80
- A dozen eggs: $3.25
- A pound of chicken breast: $4.00
- Fresh produce like apples: $1.75 per pound
Transportation Costs
If you're planning to live in San Antonio, it’s best to have a car. The city does have public transportation through VIA Metropolitan Transit, but it’s not as extensive as systems in cities like Chicago or New York. Gas prices tend to hover slightly below the national average, with recent figures around $3.10 per gallon. Insurance rates are also lower than the Texas average, at about $1,450 annually for full coverage. Monthly passes for public transportation cost around $38, which is a steal if you can make it work for your lifestyle.Healthcare Costs
Healthcare is another major piece of the puzzle when thinking about the cost of living in San Antonio, TX. Overall, healthcare costs here are about 7% lower than the national average. There are excellent hospitals in the area, like Methodist Hospital, Baptist Medical Center, and University Health System. Here's an idea of what typical medical costs might look like:- Doctor’s visit: $110
- Dentist appointment: $95
- Prescription drugs: slightly lower than national averages
Education Costs
Families often ask about the cost of education in San Antonio, and for good reason. Public schools are free, but quality can vary depending on the district. San Antonio also boasts affordable options for private schooling, with average tuition around $7,500 annually, much less than cities like Boston or Los Angeles. Higher education is reasonably priced too. Schools like UTSA (University of Texas at San Antonio) charge around $10,500 per year for in-state tuition.Having Fun in San Antonio
One of the best things about living here is that you don’t have to be rich to have fun. The entertainment scene is vibrant and affordable. Here’s what you can expect:- Movie ticket: $12
- Museum admission: $15 (and many offer free days)
- San Antonio Zoo: $21 for adults
- Dinner for two at a mid-range restaurant: around $55
Taxes in San Antonio
Texas doesn’t have a state income tax, and that’s a huge advantage. However, sales taxes are a bit higher, sitting at about 8.25% in San Antonio. Property taxes can also feel steep, averaging about 2.1% of a home's assessed value. Even so, for many people, the no-income-tax benefit outweighs the higher sales and property taxes.Childcare and Family Expenses
If you have young kids, you’re probably wondering about childcare costs. In San Antonio, daycare runs around $800–$1,000 per month, depending on location and facility. Summer camps, after-school programs, and extracurricular activities are also very affordable compared to national rates. This affordability makes San Antonio a great option for young families balancing budgets.Cost of Living in San Antonio vs. Other Texas Cities
Let’s take a quick comparison:| City | Median Home Price | Average Rent | Groceries Index |
| San Antonio | $290,000 | $1,200 | 92 (U.S. Avg 100) |
| Austin | $450,000 | $1,800 | 104 |
| Houston | $340,000 | $1,400 | 98 |
| Dallas | $420,000 | $1,700 | 102 |
Hidden Costs to Watch Out For
It’s not all sunshine and low prices. Some costs can sneak up on you:- High property taxes
- Flood insurance (some areas are prone to flooding)
- Car maintenance (due to the city’s size, driving distances can be long)
Saving Money in San Antonio
One of the best things about living here is how easy it is to save money with a little planning:- Shop at H-E-B and local farmers markets
- Take advantage of city-sponsored free events
- Use energy-saving programs to lower your utility bills
- Choose neighborhoods outside of the downtown core to save on rent or home prices
