Salary needed
A $50,000 salary in Santa Cruz County, CA would need to be about $27,025 in Travis County, TX, or $22,975 less, to match the modeled cost ratio.
Santa Cruz County, CA vs Travis County, TX: Cost of Living Difference
Is it cheaper?
Travis County, TX is cheaper than Santa Cruz County, CA.
Moving to Travis County, TX is estimated to save $48,699 per year.
Cheaper County
Travis County, TXSave about $48,699 per year.Salary needed
$50,000 in Santa Cruz County, CA is about $27,025 in Travis County, TX.
Biggest drivers
No measured category is higher in Travis County, TX. Taxes saves $20,280 per year.
Housing: $17,762 lower in Travis County, TX
Taxes: $20,280 lower in Travis County, TX
Childcare: about the same in both counties
Healthcare: $1,138 lower in Travis County, TX
Food: $1,523 lower in Travis County, TX
Transport: $2,009 lower in Travis County, TX
Santa Cruz County, CA→Travis County, TX
Equivalent salary in Travis County, TX
$27,025
-45.95% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Santa Cruz County, CA: $131,966
Median Income in Travis County, TX: $126,667
Living Index in Santa Cruz County, CA 80.31%
Living Index in Travis County, TX 45.23%
This estimate matches your purchasing power (equivalent salary) when moving from Santa Cruz County, CA to Travis County, TX.
* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Summary
Moving from Santa Cruz County, CA to Travis County, TX is estimated to save $48,699 per year. A $50,000 salary in Santa Cruz County, CA would have similar purchasing power to about $27,025 in Travis County, TX. The largest savings come from taxes and housing.
This is a -45.95% decrease in modeled annual costs. Taxes is $20,280 per year lower (-67.69%); Housing is $17,762 per year lower (-48.43%).
Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.
Why this comparison matters
These notes use the actual annual cost differences between Santa Cruz County, CA and Travis County, TX, so the page highlights the budget tradeoffs behind the total.
Affordability vs median income
Modeled annual costs equal about 80.3% of median family income in Santa Cruz County, CA and 45.2% in Travis County, TX. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Housing
Housing is $17,762 per year lower in Travis County, TX than in Santa Cruz County, CA. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Travis County, TX changes their baseline budget.
Food
Food is $1,523 per year lower in Travis County, TX than in Santa Cruz County, CA. Food costs affect weekly cash flow, so even a smaller annual gap in Travis County, TX can show up quickly for households that cook most meals at home.
Transportation
Transportation is $2,009 per year lower in Travis County, TX than in Santa Cruz County, CA. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Travis County, TX.
Healthcare
Healthcare is $1,138 per year lower in Travis County, TX than in Santa Cruz County, CA. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Travis County, TX changes provider networks or plan options.
Other necessities
Other necessities is $5,988 per year lower in Travis County, TX than in Santa Cruz County, CA. Other necessities cover everyday basics, so changes in Travis County, TX help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Santa Cruz County, CA and Travis County, TX, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Travis County, TX, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $20,280 per year lower in Travis County, TX than in Santa Cruz County, CA. Taxes affect take-home pay, so the gap in Travis County, TX matters even if the headline salary looks similar before deductions.
What changed the most?
The following cards show the annual category differences that most affect the move to Travis County, TX.
Biggest Cost
Largest annual cost increase when moving to Travis County, TX
Annual Increase:
No increase
No measured category is higher in Travis County, TX.
Biggest Savings
Largest annual savings when moving to Travis County, TX
Annual Savings:
$20,280 per year
TAXES has the largest annual savings when moving to Travis County, TX.
Breakdown of price percentages per category.
Numbers are average costs per section.
| Category | Difference | |
|---|---|---|
| Housing | -48% lower | |
| Food | -27% lower | |
| Transport | -15% lower | |
| Healthcare | -17% lower | |
| Other Costs | -46% lower | |
| Childcare | 0% higher | |
| Taxes | -68% lower |
In Travis County, TX, modeled annual costs are $57,286 compared with $105,985 in Santa Cruz County, CA.
Overall, annual costs are lower in Travis County, TX. The category breakdown above shows where the move creates the most room in the budget.
In this case Travis County, TX and Santa Cruz County, CA are both metropolitan locations.
Use our map to visually compare multiple counties at once.
