Cost of Living: 10 Cheaper Alternatives to Austin ZIP 78701

Austin's downtown ZIP has the tech energy, the live music, the food scene, and that Texas-meets-California cultural blend that's been drawing people for years. At nearly $10,000 a month, though, the 'keep Austin weird' crowd has mostly been priced out. These 10 cities share Austin's creative, growing, outdoor-friendly character at a meaningfully lower cost.

Your Current ZIP: 78701 (Austin, TX)

Monthly Total *

$9,964/mo

Housing

$1,957/mo

Food

$1,041/mo

Median Home

$703,178

Median Family Income: $126,667/yr Explore Austin ZIP Guide

* Monthly total includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Based on a typical family household - individual costs will vary.

Cost of Living Alternatives at a Glance

All have a similar vibe to Austin. Ranked by monthly savings, highest savings first.

Rank City State ZIP Save/mo Total/mo vs Austin
1 El Paso TX 79902 $2,962/mo $7,002/mo 30% less
2 Memphis TN 38103 $2,241/mo $7,723/mo 22% less
3 Albuquerque NM 87104 $1,939/mo $8,025/mo 19% less
4 Tulsa OK 74131 $1,788/mo $8,176/mo 18% less
5 Oklahoma City OK 73102 $1,723/mo $8,241/mo 17% less
6 Tucson AZ 85701 $1,624/mo $8,340/mo 16% less
7 Birmingham AL 35203 $1,567/mo $8,397/mo 16% less
8 Cincinnati OH 45202 $1,536/mo $8,428/mo 15% less
9 Indianapolis IN 46113 $1,467/mo $8,497/mo 15% less
10 Kansas City MO 64106 $1,454/mo $8,510/mo 15% less

Details by ZIP Code

1

El Paso, TX (79902)

Save ~$2,962/mo

Get Austin's Texas character and outdoor lifestyle without the capital city premium.

El Paso has the Texas pride, the warm weather, the mountain access (Franklin Mountains), and the border-city cultural depth that gives it a personality Austin's newer developments lack. The food is outstanding - deep Tex-Mex rooted in generations of tradition - and the cost of living is dramatically lower than Austin's. It's a real Texas city with a genuine identity.

Monthly Total *

$7,002/mo

30% less than Austin

Housing

$1,150/mo

Food

$899/mo

Transport

$1,339/mo

Median Home: $280,860 Median Income: $65,744/yr Annual Savings: $35,549

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

2

Memphis, TN (38103)

Save ~$2,241/mo

Get Austin's music soul and Southern creative energy without the Texas real estate prices.

Memphis has the deepest music roots in America and a food scene anchored by world-class barbecue and soul food. The South Main and Cooper-Young neighborhoods have the walkable, locally-owned character of Austin's 6th Street and South Congress - a genuine creative community rather than a tourist facade. The cost of living is dramatically lower than Austin's.

Monthly Total *

$7,723/mo

22% less than Austin

Housing

$1,305/mo

Food

$1,043/mo

Transport

$1,416/mo

Median Home: $337,995 Median Income: $80,849/yr Annual Savings: $26,889

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

3

Albuquerque, NM (87104)

Save ~$1,939/mo

Get Austin's Southwest outdoor lifestyle and arts community without the Texas capital premium.

Albuquerque has the high-desert outdoor character, the arts scene, and the multicultural diversity that Austin's identity is built on - in a Southwest setting with mountains instead of hills. Old Town, Nob Hill, and the downtown arts district have genuine creative community energy, and the Sandia Mountains provide outdoor recreation minutes from downtown. The cost of living is dramatically lower than Austin's.

Monthly Total *

$8,025/mo

19% less than Austin

Housing

$1,197/mo

Food

$989/mo

Transport

$1,318/mo

Median Home: $353,636 Median Income: $84,404/yr Annual Savings: $23,262

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

4

Tulsa, OK (74131)

Save ~$1,788/mo

Get Austin's growing Sunbelt energy and arts district without the capital city markup.

Tulsa has the Art Deco architecture, the Brady Arts District, and the Blue Dome entertainment area that feel like Austin's east side a decade ago - a genuine creative revival with momentum and affordability. The Gathering Place riverfront park is world-class, the tech sector is growing, and the cost of living is dramatically lower than Austin's current prices.

Monthly Total *

$8,176/mo

18% less than Austin

Housing

$986/mo

Food

$937/mo

Transport

$1,648/mo

Median Home: $272,215 Median Income: $79,386/yr Annual Savings: $21,454

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

5

Oklahoma City, OK (73102)

Save ~$1,723/mo

Get Austin's Oklahoma-adjacent Texas energy and growing urban core without the Austin premium.

Oklahoma City has built one of the best urban cores in the region with Bricktown, the Plaza District, and a developing food and arts scene that feels like Austin on an earlier growth curve. The city's oil, aerospace, and healthcare economy provides stable employment, and the cost of living makes urban living financially sustainable in a way Austin's current prices don't allow.

Monthly Total *

$8,241/mo

17% less than Austin

Housing

$1,072/mo

Food

$1,019/mo

Transport

$1,458/mo

Median Home: $310,997 Median Income: $82,710/yr Annual Savings: $20,680

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

6

Tucson, AZ (85701)

Save ~$1,624/mo

Get Austin's university culture and outdoor lifestyle in a warm desert climate.

Tucson has the University of Arizona driving the same young, creative, progressive energy that UT Austin gives Austin. The 4th Avenue and downtown arts districts have the locally-owned density of South Congress and the Rainey Street area, and Saguaro National Park provides outdoor access that Austin's greenbelt can't match in scale. The cost of living is meaningfully lower.

Monthly Total *

$8,340/mo

16% less than Austin

Housing

$1,337/mo

Food

$973/mo

Transport

$1,418/mo

Median Home: $416,485 Median Income: $87,639/yr Annual Savings: $19,493

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

7

Birmingham, AL (35203)

Save ~$1,567/mo

Get Austin's New South energy and food scene without the Texas capital premium.

Birmingham has staged a convincing urban revival anchored by Pepper Place, Railroad Park, and a food scene with genuine national recognition. The Avondale and Woodlawn neighborhoods have the creative community energy of Austin's East 6th, and UAB's medical research complex has attracted a professional class that's driving genuine growth. Cheaper than Austin with real momentum.

Monthly Total *

$8,397/mo

16% less than Austin

Housing

$1,236/mo

Food

$1,087/mo

Transport

$1,438/mo

Median Home: $347,004 Median Income: $85,260/yr Annual Savings: $18,801

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

8

Cincinnati, OH (45202)

Save ~$1,536/mo

Get Austin's walkable urban neighborhood character without the Texas price tag.

Cincinnati's Over-the-Rhine has the historic urban character, the craft brewery culture, and the serious food scene that Austin is known for - in a Northern river city setting. The neighborhood has been thoughtfully revitalized, the arts scene is strong, and the cost of living is lower than Austin's current prices while the urban quality of life is comparable.

Monthly Total *

$8,428/mo

15% less than Austin

Housing

$1,140/mo

Food

$997/mo

Transport

$1,374/mo

Median Home: $402,360 Median Income: $97,939/yr Annual Savings: $18,427

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

9

Indianapolis, IN (46113)

Save ~$1,467/mo

Get Austin's livable, growing city energy without the Texas real estate market.

Indianapolis has the urban infrastructure, the growing tech sector, and the quality-of-life focus that Austin became famous for. Mass Ave, Fountain Square, and the Bottleworks District deliver the walkable urban experience Austin's Rainey Street promises, and the cost of living allows you to actually build a life rather than just keeping up with rising rents.

Monthly Total *

$8,497/mo

15% less than Austin

Housing

$1,275/mo

Food

$932/mo

Transport

$1,377/mo

Median Home: $283,034 Median Income: $80,642/yr Annual Savings: $17,603

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

10

Kansas City, MO (64106)

Save ~$1,454/mo

Get Austin's arts district energy and creative community without the Texas capital markup.

Kansas City's Crossroads Arts District has the gallery density, the locally-owned bars and restaurants, and the creative professional community that Austin's East 6th has - in a Midwest river city with exceptional barbecue as a bonus. The city's progressive culture, growing tech scene, and dramatically lower cost of living make it a genuine quality-of-life upgrade for Austin residents priced out of their own city.

Monthly Total *

$8,510/mo

15% less than Austin

Housing

$1,206/mo

Food

$1,054/mo

Transport

$1,407/mo

Median Home: $220,673 Median Income: $88,669/yr Annual Savings: $17,451

* Includes housing, food, transportation, healthcare, childcare, taxes & other essentials. Typical family household - individual costs will vary.

Is It Worth Leaving Austin?

The numbers make a compelling case. If you can find the same quality of life in a city that costs less per month, that's real money back in your pocket every year. The right ZIP code isn't just about what you save, it's about finding a place that fits your lifestyle just as well. Use our free cost of living calculator to compare any two ZIP codes side by side.

Frequently Asked Questions

Memphis has the deepest music roots in America - blues, soul, rock and roll all trace back here. Nashville has a music industry that rivals Austin's. New Orleans has a live music culture with arguably more originality. Kansas City has a jazz history that shaped American music. Tulsa and Oklahoma City have growing arts districts. The South and Midwest are full of cities with strong music cultures that cost less than Austin.
Our picks save you roughly $1,600 to $3,000 per month compared to Austin 78701, which is $19,000 to $36,000 per year. El Paso and Memphis offer the biggest savings. Albuquerque, Tulsa, and Oklahoma City save you $1,700 to $2,000 per month. Even Indianapolis and Kansas City - comparable urban quality of life - save you $1,500 per month.
Indianapolis has a growing tech sector with major employers. Raleigh and Charlotte (not on our list) are Research Triangle-adjacent tech hubs. Tulsa has been running direct remote worker attraction programs. Kansas City is growing its tech infrastructure. Birmingham and Nashville have been attracting tech corporate relocations. None match Austin's current tech concentration, but several offer genuine tech career opportunities at lower cost.

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