Austin, TX vs Pensacola, FL
Moving from Austin to Pensacola? Here's what changes — from your equivalent salary to housing ($428,524 → $310,470 median home) and taxes.
Austin vs Pensacola at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Austin, TX, you'd need about $97,530 in Pensacola, FL (−$2,470).
Livability — Austin, TX: 70 · Pensacola, FL: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,450 sqft in Austin vs 2,980 sqft in Pensacola ($204 vs $168 per sqft).
Annual cost breakdown (at $100,000)
| Category | Austin, TX | Pensacola, FL | Difference |
|---|---|---|---|
| Housing | $19,620 | $21,180 | +$1,560 |
| Groceries | $4,647 | $4,813 | +$167 |
| Transportation | $3,675 | $4,800 | +$1,125 |
| Utilities | $1,836 | $1,656 | −$180 |
| Insurance | $3,600 | $4,200 | +$600 |
| Taxes | $9,558 | $3,897 | −$5,661 |
| Total | $42,936 | $40,546 | −$2,389 |
Side by side
| Metric | Austin, TX | Pensacola, FL |
|---|---|---|
| Cost-of-living index | 98.3 | 95.8 |
| Unemployment rate | 4.30% | 5.65% |
| Population growth (5-yr) | 14.8% | 7.0% |
| Air quality (median AQI) | 52 | 46 |
| Big Mac price (est.) | $5.59 | $5.45 |
| Median home price | $428,524 | $310,470 |
| Home price ÷ income | 4.6× | 4.5× |
| 1-yr home appreciation | -6.0% | 0.7% |
| Price per square foot | $204 | $168 |
| Median rent | $1,635 | $1,765 |
| Total tax burden (% income) | 8.6% | 9.1% |
| Combined sales tax | 8.20% | 7.02% |
| Capital gains tax | None | None |
| Property tax rate | 1.71% | 0.62% |
| Healthcare (annual) | $6,800 | $7,500 |
| Childcare (annual, infant) | $9,500 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 27 | 26 |
| Home insurance / yr | $3,600 | $4,200 |
| Auto insurance / yr | $2,100 | $2,900 |
| Flood insurance / yr | $900 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 17.0 | 15.4 |
| Gas $/gal | 3.00 | 3.35 |
| Violent crime /100k | 430 | 380 |
| Avg summer high °F | 96 | 91 |
| Avg winter low °F | 38 | 52 |
| Permit difficulty (1–5) | 2 | 3 |