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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Nobody expects rock-bottom prices here — but that doesn't mean all cities are equally expensive. San Antonio (index 93, rent $1,361/mo) carves out real savings within a high-cost market. We analyzed 2 cities to find where your money goes furthest in 2026.
Nobody expects rock-bottom prices here — but that doesn't mean all cities are equally expensive. San Antonio (index 93, rent $1,361/mo) carves out real savings within a high-cost market. We analyzed 2 cities to find where your money goes furthest in 2026.
Here's San Antonio by the numbers — and there's a lot to like (and a little to watch). Cost index: 93. Rent: $1,361/month. Income: $62,917/year. Home price: $247,132. Population: 1,495,295. The strongest category is Housing at 83; the most expensive is Healthcare at 96. Translate that rent to annual numbers, and residents are saving renters $6,408 per year vs. the national median. There's real money on the table here.
Now apply that to an actual budget: For context: the typical American city has a cost index of 112, pays $1,895/month in rent, and earns $80,367 per household. And more often than not, the top-ranked cities here tell a dramatically different story — one that's worth exploring city by city (not adjusted for inflation, but still telling).
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 93, rent $1,361/mo, income $62,917
2 of 2 cities come in below the national cost-of-living average of 112
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
| Rank | City | Cost Index | Median Rent | |
|---|---|---|---|---|
| 1 | San AntonioTX | 93 | $1,361 | Details |
| 2 | PortlandOR | 111 | $1,710 | Details |
1,495,295 residents · Texas
San Antonio comes in at #1. And depending on your situation, rent is $1,361 a month. Household income is $62,917. The cost of living index is 93. That tracks.
630,498 residents · Oregon
The #2 spot goes to Portland, and the breakdown explains why. Renters here pay $1,710/month — saving renters $2,220 per year compared to the national average. Meanwhile, Utilities is the standout at index 102, keeping costs manageable. The weak spot? Housing at 128. At a 23% rent-to-income ratio, there's genuine breathing room in the average household budget.
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 93 and rent of $1,361/mo, while Portland (ranked #2) has a cost index of 111 and rent of $1,710/mo — a 18-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.