How Much Does It Cost to Live in San Antonio, Texas?

San Antonio is a large city located in Texas with a metropolitan area population of 1,382,951. A couple could live a moderate lifestyle in San Antonio on a budget of $3,203 per month, or $38,439 per year.

Cost of Living in San Antonio, Texas

As noted above, the cost of living in San Antonio, Texas is $3,203 per month for a couple living a moderate lifestyle. This budget consists of $1,943 for housing related costs, $577 for food, and $683 for other costs, all of which will be broken down below.

Housing

  • A one-bedroom apartment in the city center of San Antonio is estimated to cost $1,644
  • Basic utilities including electricity, water, and gas will run about $220
  • High-speed internet averages $80

Food

  • Typical grocery costs of $372 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
  • Alcohol including beer and wine for moderate home consumption costs about $101
  • Frequent coffees in a neighborhood café are estimated to be about $104

Other

  • Meals out are estimated to be $450 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
  • Transportation costs of $95 for public transport passes and occasional taxis
  • Fitness center memberships of $78
  • Cinema tickets of $60 include several outings for international releases

Note that San Antonio, Texas is a very walkable city with a Walk Score of 96/100, which means you won’t need a car if you are living in the city center and you may even save some money by not using public transportation and taxis very often.

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Amount of Money Needed to Retire in San Antonio, Texas

Many people searching the internet for the cost of living in San Antonio, Texas are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $960,972 to live a moderate lifestyle in San Antonio, Texas.

Annual expenses of $38,439 ÷ 4% = $960,972 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.

Summary

Overall, the cost of living in San Antonio, Texas is affordable coming in at $3,203 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $960,972.

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