Build your monthly budget for San Antonio. The calculator is pre-filled with realistic local expenses, including $1,150 average rent, so you can see your savings rate against the 50/30/20 rule.
Last updated: May 2026 · Data: MIT Living Wage Calculator, C2ER, U.S. Census, BLS, IRS, state and city sources
San Antonio has a cost-of-living index of 92 (US average = 100). Housing is usually the largest line item, with average 1-bedroom rent near $1,150/month. The estimates below are pre-filled in the calculator and scaled to local costs.
| Expense Category | Typical San Antonio Amount |
|---|---|
| Housing (1-bedroom rent) | $1,150/month |
| Food (single person) | $400/month |
| Transportation | $500/month |
| Utilities & Internet | $160/month |
| Healthcare & Insurance | $320/month |
| Personal & Entertainment | $200/month |
| Recommended Savings | 15%+ of gross income |
| Emergency Fund Target | 3 to 6 months of expenses |
San Antonio is one of the most affordable major cities in Texas, with an economy led by a large military presence at Joint Base San Antonio, a major tourism draw in the Alamo and River Walk, plus healthcare, biosciences, and manufacturing.
| Local Metric | San Antonio (2026 estimate) |
|---|---|
| Metro population | 1.5 million |
| County / jurisdiction | Bexar County |
| Cost of living index (US avg = 100) | 92 |
| MIT living wage, single adult | $18.40/hour |
| MIT living wage, one earner supporting a family of four | $38.40/hour |
| Applicable minimum wage | $7.25/hour |
| Average rent, 1-bedroom | $1,150/month |
| Average rent, 2-bedroom | $1,450/month |
| Median home price | $290,000 |
| Median household income | $59,000/year |
| Combined sales tax rate | 8.25% |
| Effective property tax rate | 2.1% of value/year |
Local figures are 2026 estimates compiled from the MIT Living Wage Calculator, the C2ER Cost of Living Index, U.S. Census and Zillow housing data, and city and county sources. Verify current figures before relying on them.
With a cost-of-living index of 92 (US average = 100) and average 1-bedroom rent near $1,150/month, a single adult in San Antonio typically needs take-home pay of at least $3,850/month to cover needs and save. The MIT living wage for a single adult is about $18.40/hour.
Split after-tax income into 50% needs (housing, food, utilities, transport, minimum debt), 30% wants, and 20% savings and extra debt payoff. In a high-cost city like San Antonio, the needs share often runs above 50%, so protect the 20% savings target.
Average rent in San Antonio is about $1,150 for a 1-bedroom and $1,450 for a 2-bedroom. A common guideline keeps rent under 30% of gross income, though that is difficult in higher-cost metros.
Based on the local cost-of-living index, typical monthly expenses in San Antonio run around $1,150 housing, $400 food, $500 transportation, and $160 utilities for a single person. The calculator is pre-filled with these estimates.
Aim for three to six months of essential expenses. In San Antonio, with monthly needs around $2,530, that is roughly $7,590 to $15,180.