Loading
Assembling your view…
Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Dollar for dollar, these cities represent some of the best deals in America. 2 out of 2 cities undercut the national cost index of 111 — we had to double-check this one — . Leading the pack: San Antonio at index 79, where median rent of $1,361/month saves renters $6,408/year versus the national medi…
Dollar for dollar, these cities represent some of the best deals in America. 2 out of 2 cities undercut the national cost index of 111 — we had to double-check this one — . Leading the pack: San Antonio at index 79, where median rent of $1,361/month saves renters $6,408/year versus the national median (and that gap widens if you factor in state taxes).
Why San Antonio ranks #1: the numbers tell a clear story. At 79 on the cost index, residents save roughly 32% less than the typical American. Rent sits at $1,361/month while the median household pulls in $62,917/year. The Housing category is particularly strong at 79, though Healthcare (96) lags behind. Home prices average $247,132 — $220,238 below the national median.
Now, stack that against what people actually earn here: For context: the typical American city has a cost index of 111, pays $1,895/month in rent, and earns $80,367 per household. The top-ranked cities here tell a dramatically different story — one that's worth exploring city by city.
What to do with this data: use the ranking as a shortlist, then dig into the city profiles for trend lines and category breakdowns. The difference between #1 and #5 is often smaller than the difference between "good on paper" and "actually fits my life." Compare your top picks with our calculator to see real take-home numbers.
#1 Ranked: San Antonio, TX — cost index 79, rent $1,361/mo, income $62,917
2 of 2 cities come in below the national cost-of-living average of 111
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
| Rank | City | Cost Index | Median Rent | |
|---|---|---|---|---|
| 1 | San AntonioTX | 79 | $1,361 | Details |
| 2 | CharlotteNC | 100 | $1,705 | Details |
1,495,295 residents · Texas
Why San Antonio ranks #1: the numbers tell a clear story. At 79 on the cost index, residents save roughly 32% less than the typical American. Rent sits at $1,361/month while the median household pulls in $62,917/year. The Housing category is particularly strong at 79, though Healthcare (96) lags behind. Home prices average $247,132 — $220,238 below the national median (that's pre-tax, of course).
911,311 residents · North Carolina
Charlotte comes in at #2. Rent is $1,705 a month. Household income is $78,438. The cost of living index is 100. That alone makes it worth considering.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
San Antonio (ranked #1) has a cost index of 79 and rent of $1,361/mo, while Charlotte (ranked #2) has a cost index of 100 and rent of $1,705/mo — a 21-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in San Antonio is $1,361/month as of 2026, based on Zillow's Observed Rent Index. This is $534 below the national median of $1,895/month.
The median home price in San Antonio is $247,132, which is 3.9× the local median income. It's on the edge of affordability for median-income households. The national median home price is $467,370.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.