City comparison · 2,726 km apart

Boston vs Austin: which should you move to?

Boston or Austin? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.

Skyline of downtown Boston
Massachusetts · United States

Boston

Photograph: Skyline of downtown Boston · Nkon21 · CC BY 4.0 · source
Downtown across Lady Bird Lake
Texas · United States

Austin

Photograph: Downtown across Lady Bird Lake · Hensbread · CC BY 4.0 · source
The short answer

Both cities price in US dollars, so the figures net directly, and the difference is where each state collects. Mortgage, property tax and insurance come to about $4,756 a month on Boston's typical home and $4,041 on Austin's median sale price, a $715 gap that would be about $872 if Boston's mortgage were priced at Austin's September rate of 7.03% rather than August's 6.66%. Massachusetts takes 5% of income and Texas none, $4,780 a year on $100,000, while Austin's property tax on its median is $3,554 more than Boston's; on those two medians a single filer earning above about $75,500 pays more in Boston. Austin's labor market is the one growing, 1.7% more jobs on the year against 0.3%, with unemployment at 4.0% against 4.3% on the same unadjusted basis in July 2026. Crime splits: Boston reports more violence per resident, Austin more property crime, 3,093 per 100,000 against about 1,950, and homicide rates are close at about 4.6 and 5.1. Choose Boston to live without a car, near the teaching hospitals, in the state with the lowest uninsured rate. Choose Austin for a job market still adding people, no income tax and an 11.2 C January.

Population
MeasureBostonAustinAdvantage
City population672,973 (2025)1,002,632 (2025)Not directly comparable
Metro population5,034,221 (2025)2,620,945 (2025)Not directly comparable
Five-year growth
Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner.
-0.8% (2020-2025)4.6% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureBostonAustinAdvantage
Benchmark home price
MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's.
$791,816 (June 2026)$560,000 (August 2026)Austin
Detached house benchmark$858,328$527,943Austin
Apartment or condominium benchmark$739,553$355,596Austin
Two-bedroom rent$3,425/mo (median, June 2026)$1,812/mo (average, August 2026)Austin
One-bedroom rent$2,877/mo$1,421/moAustin
Two-bedroom rent against median income
A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies.
42.0% of a year's income24.0% of a year's incomeAustin
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$4,071/mo at 6.66%$2,990/mo at 7.03%Austin
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
8.1×6.2×Austin
Property tax on the benchmark home
The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars.
$5,465/yr (0.690%, 2026)$9,022/yr (1.611%, 2025)Boston
Transfer tax on the benchmark home
Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving.
$3,611 (seller pays)NoneAustin
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Boston: About 0.69% of what you pay for the house. Boston charges business $27 per $1,000 against the $12 it charges you, a shift of 2.17 to one. That is why the residential rate is what it is: under MGL c.40 s.56 a municipality may move part of the levy onto commercial property, so a low published rate is evidence of a commercial tax base rather than of a cheap town. Boston is one of nine municipalities in this layer that grants a residential exemption under MGL c.59 s.5C, and it takes $351,108 of assessed value off an owner-occupied parcel. That is a flat dollar slab rather than a percentage of your house, so it is worth the same on a cheap home as on an expensive one and worth far more as a share of the bill at the bottom of the market. On the $791,816 typical home value here it produces a bill of about $5,465 a year against the $9,819 somebody who does not live in the building pays on the same house. It is not automatic: you file with the assessors, the deadline is 1 April, and you must have owned and occupied the property on the previous 1 January. Massachusetts assesses at full and fair cash value and re-sets the whole class every year, with the Department of Revenue certifying the roll every five years and reviewing the interim adjustments in between. There is no assessment freeze as in Ontario and North Carolina and no purchase reset or growth cap as in Florida, which means the useful thing a Massachusetts buyer can do that a Florida buyer cannot: the seller's current tax bill is a fair guide to what you will pay. The only lag is the lien date. Fiscal 2026 bills are charged against values as of 1 January 2025. Austin: About 1.61% of value for a homesteaded owner, worked out on the $560,000 median sale price. A house in the City of Austin and Austin ISD is taxed by five units for 2025, which add to 2.046485 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Austin ISD the state's $140,000, the City, Travis County and Central Health 20%, and Austin Community College 1% with a $5,000 floor. So Travis County levies 0.375845 per $100 on $448,000 after a $112,000 exemption, $1,684; City of Austin levies 0.524017 per $100 on $448,000 after a $112,000 exemption, $2,348; Austin ISD levies 0.9252 per $100 on $420,000 after a $140,000 exemption, $3,886; Austin Community College levies 0.1034 per $100 on $554,400 after a $5,600 exemption, $573; Central Health levies 0.118023 per $100 on $448,000 after a $112,000 exemption, $529. The five come to $9,019 a year, 1.61% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $11,460. These are the 2025 rates, the bills mailed in October 2025. For 2026 the City has adopted 0.579948, the county 0.38621, Central Health 0.132863 and ACC 0.103643, and Austin ISD has proposed 0.9184; on the same house those would come to about 1.67%.

02: Crime and safety

How safe each city is, by the numbers it publishes

Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.

Crime
MeasureBostonAustinAdvantage
Crime Severity Index
Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series.
Not publishedNot publishedNot directly comparable
Violent crime per 100,000507 (2025)421 (2025)Austin
Property crime per 100,0001,950 (2025)3,093 (2025)Boston
Homicides
Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table.
31 (2025)51 (2025)Not directly comparable
Boston

Violent Part One offences fell from 3,636 in 2023 to 3,615 in 2024 and 3,409 in 2025 on BPD's own year-end counts, and property offences went 12,777, then 13,354, then 13,120, so the three-year direction is down on both. Homicides moved the other way and are the number people argue about: 36 in 2023, then 24 in 2024, a low the city had not seen in decades, then 31 in 2025. Even at 31 the count sits below the 38.2 five-year average, and BPD reports shootings still more than 30% under that average. All of these are preliminary until UCR coding is complete, and BPD's violent crime definition runs below the FBI's, which recorded 4,138 violent offences in Boston in 2024 against BPD's 3,615.

What the rates cover: Computed: Boston Police Department counted 3,409 Part One violent offences between 1 January and 28 December 2025 (31 homicides, 150 rapes, 760 robberies, 914 domestic aggravated assaults, 1,554 non-domestic aggravated assaults), divided by the 672,973 Vintage 2025 city population. The FBI's 2024 file for Boston gives a higher figure, 4,138 violent offences and 628 per 100k, almost all of the gap in aggravated assault; BPD's counts are its own and are preliminary until UCR coding is complete.

Homicides: City of Boston, 31 homicides in the 1 January to 28 December 2025 count, up from 24 in 2024 and down from 36 in 2023. Three of the 31 were deaths from earlier years ruled homicides in 2025. That is about 4.6 per 100,000. Commissioner Michael Cox put the 2025 total 16% below the five-year average of 38.2, and 19 of the 31 victims were shot.

Austin

On the FBI's definitions, violent offenses in Austin went from 5,335 in 2022 to 5,046 in 2023, 4,692 in 2024 and 4,221 in 2025, a 10% drop in the last year and 21% in three, and property offenses from 35,035 to 32,900, 32,407 and then 31,011. APD's own NIBRS records for 2025 show aggravated assaults down 13% (3,038 to 2,652), robberies down 5% (835 to 790) and motor vehicle thefts down 26% (5,908 to 4,345), while rapes rose from 501 to 541 and drug offenses, which rise and fall with enforcement, went from 4,097 to 5,256. The 2025 CDE counts were read on 27 September 2026 from a feed last refreshed on 15 September and can still be revised, and APD notes that its open data may differ from its official figures.

What the rates cover: Computed: 4,221 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Austin Police Department (ORI TX2270100) in calendar 2025, divided by the 1,002,632 Vintage 2025 city population. On the CDE's own agency population of 1,000,639 the rate is 422. APD does not publish a total on this definition: its open NIBRS data sort offenses into crimes against persons (19,469 in 2025, of which 9,464 simple assaults and 5,918 intimidation) and crimes against property (44,250, with robbery, fraud and vandalism inside it), so neither of its totals is the FBI's violent or property count. Summing APD's own 2025 records on the FBI's definition gives 4,219, within two of the CDE.

Homicides: 51 murders and nonnegligent manslaughters in 2025 in both the FBI CDE and APD's open NIBRS data, against 66 in 2024, about 5.1 per 100,000 on the city population. APD's assistant chief put the year's homicides at 55 in January 2026 (KUT), and APD's dataset separately lists 14 negligent manslaughters and 7 justifiable homicides, which the FBI does not count as murder. The high point in the CDE series since 2021 is 81, in 2021.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureBostonAustinAdvantage
January mean-1.2 °C11.2 °CNot directly comparable
July mean23.4 °C29.9 °CNot directly comparable
Precipitation a year1,107 mm921 mmNot directly comparable
Snowfall a year125 cm1 cmNot directly comparable
Sunshine a year2,634 hours2,644 hoursAustin
Boston

NOAA NCEI 1991-2020 normals, Boston Logan International Airport (USW00014739): January mean 29.9 F, July mean 74.1 F and the warmest month, annual precipitation 43.59 in spread almost evenly across the twelve months, annual snowfall normal 49.2 in. Converted here to -1.2 C, 23.4 C, 1,107 mm and 125 cm. Sunshine is not in the 1991-2020 normals product; the 2,634 hours shown is the older 1961-1990 NCDC mean, 58% of possible, the same series used for Charlotte on this site.

Hazards: Nor'easters are the hazard that defines the coast here. The bomb cyclone of 4 January 2018 pushed the Boston tide gauge to 15.16 ft, beating the 15.1 ft of the Blizzard of 1978 in records kept since 1921, floated ice down Atlantic Avenue, flooded 75 homes in Winthrop and put water into the Aquarium subway station; a second nor'easter did much the same two months later. Climate Ready Boston plans against roughly 9 inches of sea level rise by 2030, 21 inches by 2050 and 36 to 40 inches (91 to 102 cm) by 2070, and the city's coastal resilience plans for Charlestown, the downtown waterfront and North End, East Boston, South Boston and Dorchester are all designed for a 1% annual chance storm at 2070 sea levels across 47 miles of shoreline. In East Boston alone the near-term works are costed to protect 10,800 residents and 250 businesses and to avoid about $620 million in losses. Away from the water the hazards are ordinary and expensive: a 49 inch snow normal, ice, and summer heat waves that are short but severe.

Austin

NOAA NCEI 1991-2020 normals for Austin Camp Mabry (station USW00013958), the official Austin climate station: January mean 52.2F, July mean 85.8F, annual mean 70.0F, 36.25 in of precipitation, 0.2 in of snow. August is the warmest month at 86.5F, with a mean high of 97.8F; July's mean high is 96.6F and January's mean low is 41.8F. May (5.04 in) and October (3.91 in) are the wettest months, and February (1.89 in) and July (1.96 in) the driest. The normals count 122.8 days a year at 90F or above, 28.7 at 100F or above and 11.9 nights at or below freezing. Austin-Bergstrom International Airport (USW00013904), southeast of downtown, averages 50.1F in January and 84.5F in July with 35.57 in of rain, and its nights run colder, with 33.0 at or below freezing a year. Converted here to 11.2 C, 29.9 C, 921 mm and 0.5 cm. Sunshine hours are the older 1961-1990 NCDC means (2,644 hours, 60% of possible), since the 1991-2020 normals do not include sunshine.

Hazards: Flash flooding on the creeks that cross the city is the recurring danger. The Memorial Day flood of 1981 sent Shoal Creek through central Austin and killed 13 people. On 30 to 31 October 2013 a band of 12 to 14 in (305 to 356 mm) of rain between Wimberley and Driftwood, with 6 to 10 in (152 to 254 mm) over central Travis County, sent Onion Creek through southeast Austin, damaging more than 500 homes and killing five people; in 2014 the city authorized $60 million to buy out homes in the Onion Creek floodplain. Over Memorial Day weekend 2015 the Blanco River at Wimberley, upstream in Hays County, rose from about 5 ft to 41 ft (1.5 m to 12.5 m) in four hours overnight and destroyed 350 to 400 homes in the town, and on the holiday itself Camp Mabry recorded 5.20 in (132 mm) and Shoal Creek flooded again. On 4 to 5 July 2025, 15 to 20 in (381 to 508 mm) fell on the headwaters of Cow Creek and Big Sandy Creek northwest of the city; the Central Texas floods of that week killed 139 people, 18 of them in Travis, Williamson and Burnet counties. Heat is the season to plan around: the normals give Camp Mabry 28.7 days a year at or above 100F (37.8 C), and 2023 had 80, including 45 in a row from 8 July to 21 August that broke the 27-day run of 2011, which still holds the record for a year with 90. The station's highest reading is 112F (44.4 C), in September 2000 and again in August 2011. Cold is rare and badly handled when it comes. Winter Storm Uri left 6.4 in (16.3 cm) of snow at Camp Mabry on 14 to 15 February 2021 and a low of 7F (-13.9 C) on the 16th, the coldest there since December 1989 (the airport reached 6F, or -14.4 C), with 164 hours of freezing temperatures. ERCOT cut power across the state grid from 15 to 18 February, about 4.5 million customers lost it at the worst, more than 40% of Austin Energy's customers were without power and the city was under a boil-water notice for seven days. Texas counted 246 deaths from the storm, 28 of them in Travis County. Drought is the slow hazard. Austin's water depends on Lakes Buchanan and Travis, the Highland Lakes reservoirs LCRA manages; their combined storage fell to 42% in March 2024, when most of LCRA's downstream farm customers went without lake water, and the July 2025 rains took it from 51% to more than 95%. It stood at about 92% on 1 July 2026.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureBostonAustinAdvantage
Median household income$97,791 USD (2024)$90,430 USD (2024)Boston
Unemployment rate4.3% (July 2026)3.7% (July 2026)Austin
Sales tax6.25%8.25%Boston
Top marginal income tax
Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here.
46%37%Austin
Income tax on $100,000, single filer
Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method.
$18,229 USD$13,449 USDAustin
Boston

BLS counted 2,747,200 nonfarm jobs in the Boston-Cambridge-Newton MSA in July 2026, up 0.3% on the 2,739,800 of July 2025, so the metro job market is flat rather than growing. Inside the city the largest industries by employment in 2024 were health care and social assistance (68,674), professional, scientific and technical services (59,267) and educational services (50,798), and the best-paid were management of companies ($120,536 median), finance and insurance ($111,396) and professional and technical services ($104,866). Hospitals and universities are not a sideline here, they are the base of the economy, which makes the city unusually exposed to federal research funding and to international student flows. bls.gov answered 403 to the fetcher, so the employment counts come through FRED and the industry mix through Data USA, both of which restate Census and BLS series.

Main sectors: Health care and social assistance (Mass General Brigham, Beth Israel Lahey, Boston Children's), Higher education and research, Professional, scientific and technical services, Finance and insurance, especially asset management and custody banking, Life sciences and biotech, in the Longwood Medical Area and along the Charles.

Property tax is the local levy that matters. Boston's certified fiscal 2026 residential rate is $12.40 per $1,000 of full and fair cash value, and an owner who is domiciled in the home gets a residential exemption of $351,108 off the assessed value, worth $4,353.74 a year at that rate; it is not automatic on purchase and has to be filed for by 1 April. Proposition 2 1/2 caps the levy a municipality may raise rather than the rate, so a rate can fall in a year when every bill rises. Massachusetts reassesses the whole residential class at full value every year, with no cap, no freeze and no reset on sale, which means the seller's current bill is a fair guide to what a buyer will pay. Nothing is charged to take title or to borrow: no buyer transfer tax and no mortgage recording tax, only the deeds excise at $4.56 per $1,000, which MGL c.64D s.1 puts on the seller. Massachusetts does levy an estate tax, unusual among the states on this site: estates over $2 million file, and since the 2023 change a credit of up to $99,600 means only the value above $2 million is taxed, at 0.8% to 16%.

Austin

BLS counted 1,421,700 nonfarm jobs in the Austin MSA in July 2026 (not seasonally adjusted), up 23,800 or 1.7% on the year. Mining, logging and construction grew fastest (+5.5%), then professional and business services (+3.2%), the largest sector at 294,600 jobs, and other services (+2.7%), while information shrank 4.9% and government, at 201,000 jobs with the state capital and the University of Texas inside it, was flat. The seasonally adjusted series (FRED AUST448NA) was 1,424,000 in August 2026, 1.2% above August 2025. Average weekly wages across the metro were $1,957 in the first quarter of 2026 against $1,654 nationally. Opportunity Austin, the chamber's economic development program, lists Dell Technologies, Apple, Samsung Austin Semiconductor, Tesla, H-E-B, Amazon's fulfillment centers, the State of Texas, the University of Texas, Ascension Seton, St. David's HealthCare and Baylor Scott & White among the employers with 6,000 or more local jobs. bls.gov answered 403 to curl and FRED refused it, so both were read through the web fetcher.

Main sectors: Professional and business services, the metro's largest sector, Technology and advanced manufacturing (Dell Technologies, Apple, Tesla, Samsung Austin Semiconductor, AMD, Applied Materials), Government and education (the state capital, the University of Texas at Austin, the City of Austin), Trade, transportation and utilities (H-E-B, Amazon fulfillment centers), Health care (Ascension Seton, St. David's HealthCare, Baylor Scott & White).

Property tax is the local levy that matters. Tax Foundation puts Texas's effective property tax rate on owner-occupied homes at 1.40%, and school districts must exempt $140,000 of a homestead's value from their tax, plus another $60,000 for owners 65 or older or disabled, after voters raised the general exemption from $100,000 in November 2025. Part of the City of Austin's own rate, 8.75 cents per $100 of taxable value approved with Project Connect in November 2020, pays for the transit program. In November 2025 Austin voters rejected Proposition Q, a city tax rate increase that would have raised nearly $110 million, by 63% to 37%. The county, school district and other levies on the same bill belong to the housing layer.

05: Getting around

Whether you need a car

Transit
MeasureBostonAustinAdvantage
SystemThe MBTA: three heavy rail subway lines (Red, Orange, Blue), the Green Line light rail and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track, and 8 ferry routesCapMetro buses, including four CapMetro Rapid (formerly MetroRapid) lines, and the Red Line, a 32-mile, 10-station commuter rail line from Leander to downtown (CapMetro Rail, long branded MetroRail); no light rail yet, with Project Connect's first 9.8-mile phase due in 2033Not directly comparable
Commute by public transit25.3% (2024)3.0% (2024)Boston
Walk or cycle to work17.4% (2024)4.1% (2024)Boston
AirportLogan International Airport (BOS), 43.2 million passengers in calendar 2025 per Massport's 2025 Year in Review, including a record 10 million international passengers, up 3.8% on 2024. It sits in East Boston, about three miles from downtown across the harbor.Austin-Bergstrom International Airport (AUS), 21,666,852 passengers in 2025, 0.4% fewer than 2024's 21,762,904 and below the 2023 record of 22.1 million, per the airport's calendar-year activity report; 1.06 million of them were international. It sits about 5 miles southeast of downtown on the former Bergstrom Air Force Base and replaced Robert Mueller Municipal Airport in 1999.Not directly comparable
Boston

The MBTA carried 270,715,800 unlinked trips in 2025 (APTA ridership report, as cited by Wikipedia; the APTA PDF itself refused the fetcher). Average weekday ridership in the first quarter of 2026 was 851,600, of which about 326,500 on the Red, Orange and Blue lines, 124,900 on the Green Line and Mattapan trolley and 104,000 on commuter rail. Commuter rail alone passed 29 million trips in 2025 by the MBTA and Keolis year-in-review report.

Austin

CapMetro carried 26,283,400 unlinked trips in 2025, 24,067,200 of them by bus and 620,600 on the Red Line, and about 77,400 a weekday in the second quarter of 2026, 1,900 of them by train (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). Two new CapMetro Rapid lines, 800 and 837, opened in February 2025 and reached 10-minute service in June 2026, and the Red Line gained McKalla Station in 2024, with North Burnet/Uptown Station due in 2027; the Green Line commuter rail project has no funding, environmental review or timeline. Light rail is the unfinished promise. Voters approved Project Connect in November 2020 with a city property tax increase of 8.75 cents per $100 of value, for about 20 miles of light rail reaching the airport at $7.1 billion (Texas Tribune). Its first phase is now 9.8 miles and 15 stations in three directions from downtown, no longer reaching the airport, at an estimated $8.2 billion or more; construction is set to start in 2027 and trains to run in 2033. The FTA gave it environmental clearance in January 2026, but the plan counts on about $4.1 billion in federal money that has not been awarded, and a lawsuit over the scaled-back project is still open.

06: Daily life

Health care, schools and what each city is like

Boston

Health care

Massachusetts has the lowest uninsured rate in the country, 2.8% in 2024 against 8.2% nationally, which is the legacy of its own 2006 coverage law and of MassHealth, the Medicaid program, expanded under the ACA. Care is still paid for through employer plans, ConnectorCare and marketplace plans, Medicare and MassHealth, and what a household pays out of pocket depends entirely on the plan. The teaching hospitals are the draw. Massachusetts General and Brigham and Women's were both named to the U.S. News 2026-2027 Best Hospitals honor roll, the top 20 in the country, with Mass General first nationally in psychiatry and McLean second, Brigham and Dana-Farber third in cancer, Brigham second in obstetrics and gynecology and eighth in neuroscience, and Mass General sixth in heart and vascular care. Beth Israel Deaconess, Tufts Medical Center, Boston Children's and the rest of the Longwood Medical Area cluster fill in the rest. Density of hospitals is not the same as an appointment: this file did not verify a wait time figure for primary or specialist care.

Education

Boston Public Schools enrolled 44,416 students in 2025-26 on the state's count, down 1,678 or 3.6% from 46,094 the year before, which itself was up from 45,742 in 2023-24. Address does not settle where a child goes. Assignment runs through a choice application, and the three exam schools, Boston Latin School, Boston Latin Academy and the John D. O'Bryant School, admit on a composite score that is 70% grade point average and 30% the MAP Growth test, with applicants competing only inside one of four socioeconomic tiers drawn from where they live. The School Committee voted 4 to 2 in November 2025 to set aside 20% of seats for the highest scorers citywide regardless of tier, and to drop the bonus points for students at high-poverty schools; the district's own simulation put Black students' share of invitations falling from 20% to 15% and white students' rising from 27% to 33%. Higher education is the city's other anchor and a large part of its economy: Boston University counted 37,737 students in fall 2024, Northeastern is the other large private university inside the city, and Harvard and MIT are across the Charles in Cambridge.

Living there

Boston is small, old and dense in a way no other city on this site is. The median home was built in 1947, 64% of occupied homes are rented, and a quarter of workers get to work on the MBTA, against about one in a hundred in Tampa. That buys a life much of the city can live without a car, and it costs the most money of the American cities here: Zillow's typical value for June 2026 is $791,816. Winter is the part people underestimate, a 49 inch snow normal and a January mean below freezing, and the housing stock that gives the city its look is the housing stock that has to be heated. The open question is on the waterfront. The Seaport was built out over the last twenty-five years on filled land at the harbor's edge, the January 2018 tide showed what a nor'easter can do at high water, and the city now designs its coastal defenses to 2070 sea levels.

Austin

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Texas is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF, August 2026). It had the highest uninsured rate of any state in 2024: 16.7%, or 5,152,427 of 30,799,312 people, against 8.2% nationally and 12.0% in Georgia, the next highest, on the ACS 2024 1-year estimates. The City of Austin's rate was 13.0% and Travis County's 12.6%. Ascension Seton runs Dell Seton Medical Center at The University of Texas, the teaching hospital of UT's Dell Medical School, in partnership with Central Health; it is the region's only adult Level I trauma center and serves 11 Central Texas counties. St. David's HealthCare, a partnership between HCA Healthcare and two local nonprofits, has more than 160 sites and calls itself the Austin area's fourth-largest private employer, and Baylor Scott & White joins both systems on the chamber's list of employers with 6,000 or more local jobs. UT and the Michael & Susan Dell Foundation are building the UT Dell Medical Center, with a new UT MD Anderson Cancer Center, beside Dell Seton on the former Frank Erwin Center site, to open in 2030; the UT System put the plan at $2.5 billion when it was announced in August 2023. This file did not verify a wait time figure for primary or specialist care.

Education

Austin ISD, which covers 230 square miles in the middle of the metro, counted 65,951 students in fall 2026, down 3,765 from 69,716 in 2025-26 and from 72,702 in 2024-25. More than 6,400 students enrolled at the end of last year did not return, and the district fell more than 2,000 short of its own projection (Austin Current, 24 September 2026); district officials told KUT that more than half of the 2025-26 loss could be attributed to families' fear of immigration enforcement, with housing costs and falling birth rates also named. In November 2025 the board approved closing and consolidating 10 schools from the 2026-27 school year, affecting 3,796 students and removing 6,319 seats, together with 24 turnaround plans the Texas Education Agency requires for campuses with repeated unacceptable ratings, adopted to head off state-ordered closures or a takeover. The University of Texas at Austin enrolled a record 55,000 students in fall 2025, 44,314 of them undergraduates, the largest total in its history.

Living there

Austin is the Texas state capital and a university town that has become a technology metro, and its growth has outrun what the city has built for it. The metro passed 2.6 million in 2025 after adding 337,554 people since April 2020, but the city grew by less than 5%, and in 2024-25 Travis County lost 6,590 more people to the rest of the country than it gained, so domestic movers now settle in Williamson and Hays counties instead. Inside the city a quarter of workers work from home, 57.5% drive alone and 3.0% take transit, and the one rail line carries about 1,900 riders a weekday. Summer sets the terms of daily life, with a July mean of 85.8F at Camp Mabry and about 29 days at 100F or more in a normal year, and the creeks that cross the city flood fast. Texas takes no income tax and has the highest uninsured rate of any state. The open question is whether Austin can build the transit and keep the schools its growth calls for: voters approved light rail in 2020, and six years later the first 9.8 miles are not due until 2033 and have no federal money, while Austin ISD, down more than 14,000 students in a decade, closed ten schools in 2026.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, so the figures net directly, though the prices are different instruments. Boston's is Zillow's typical home value for the city, $791,816 in June 2026, down 1.3%; Austin's is the Unlock MLS median of what sold, $560,000 in August, down 4.3%. That is 8.1 times Boston's 2024 median household income of $97,791 and about 6.2 times Austin's $90,430. At 20% down, Boston's $633,453 loan at 6.66%, Freddie Mac's August 2026 rate, costs $4,071 a month, and Austin's $448,000 loan at 7.03%, the rate for 24 September, about $2,990. Property tax runs the other way. A Boston owner-occupier who files the residential exemption pays about $5,465 a year, 0.69% of the price, against $9,019 from Austin's five taxing units, an effective 1.61%. Insurance is $230 a month against $300, neither including flood. The three lines come to about $4,756 and $4,041, roughly 58% and 54% of local median income; at 7.03% Boston's would be about $4,913. Rent is where Boston is dearest: a median two-bedroom was $3,425 in June 2026 against an average $1,812 in Austin in August, and a one-bedroom $2,877 against $1,421. Neither state permits rent control, Massachusetts under MGL c.40P since 1 January 1995 and Texas by statute.

Boston reports more violence and Austin more property crime, on counts built differently. Boston Police counted 3,409 Part One violent offenses between 1 January and 28 December 2025, about 507 per 100,000 on 672,973 residents, and 13,120 property offenses, about 1,950. Austin's are the FBI's summarized counts for 2025: 4,221 violent offenses, 421 per 100,000, and 31,011 property offenses, 3,093. The definitions widen the violent gap rather than closing it. The FBI's 2024 file gave Boston 4,138 violent offenses where the department counted 3,615, about 628 per 100,000, and Austin's 4,692 that year come to about 470 on its 2024 population estimate. Homicide rates are close. Boston recorded 31 in 2025, about 4.6 per 100,000, up from 24 in 2024 but below its five-year average of 38.2; Austin recorded 51, about 5.1, after 66 in 2024, though APD's assistant chief put the year at 55. Both are falling on the broader counts, Boston's violent offenses from 3,636 in 2023 to 3,409 and Austin's from 5,046 to 4,221. Every rate here is a count divided by a Census estimate, Boston's counts are preliminary until UCR coding, and Austin's, read on 27 September 2026, can still be revised.

Austin has the mild winter and Boston the cool summer. January averages 11.2 C at Camp Mabry against -1.2 C at Logan, and July 29.9 C, the second-warmest July mean of the fourteen cities this site compares, behind Dallas, against 23.4 C. Boston gets 1,107 mm of precipitation and a 125 cm snow normal, Austin 921 mm and 0.5 cm, and on the older 1961-1990 series sunshine is level, 2,644 hours against 2,634. Boston's hazard is the nor'easter at high tide. The bomb cyclone of 4 January 2018 pushed the tide gauge to 15.16 ft (4.62 m), past the 15.1 ft (4.60 m) of the Blizzard of 1978 in records kept since 1921, and the city designs 47 miles (76 km) of shoreline for 36 to 40 inches (91 to 102 cm) of sea level rise by 2070. Austin's are heat, with 28.7 days a year at or above 100F (37.8 C) and 80 in 2023, flash floods on its creeks and the rare hard freeze: Winter Storm Uri brought 7F (-13.9 C) in February 2021 while ERCOT cut power across the state grid. An owner's utility premium over a renter is $210 a month in Boston, where the owner heats, against $150 in Austin.

Austin's labor market is growing and Boston's is flat. In July 2026, on the same unadjusted basis, unemployment was 4.0% around Austin and 4.3% in greater Boston; Austin's 1,421,700 nonfarm jobs were up 1.7% on the year and Boston's 2,747,200 up 0.3%. Boston's base is hospitals and universities: inside the city health care led employment at 68,674 jobs in 2024, then professional and technical services at 59,267 and education at 50,798. Austin's largest sector is professional and business services at 294,600, with technology, chip making, state government and the University of Texas. Boston pays more across the metro, $117,825 median household income in 2024 against $99,897, and the cities are closer, $97,791 against $90,430. Tax is the sharpest difference. Massachusetts charges 5% above a $4,400 personal exemption with no standard deduction, so a single filer on $100,000 pays about $18,229 in Boston against $13,449 of federal tax alone in Austin, and a 4% surtax above $1,083,150 of taxable income takes Boston's top combined rate to 46% against 37%. Austin's property tax takes some back: its median house pays $3,554 a year more than Boston's, which equals the Massachusetts tax at about $75,500 of income. Sales tax is 6.25% against 8.25%.

Transit is the widest gap between them. In 2024, 25.3% of Boston's workers commuted on the MBTA, 17.4% walked or cycled and only 31.3% drove alone; in Austin 3.0% took transit, 4.1% walked or cycled and 57.5% drove alone. Working from home runs the other way, 24.8% in Austin against 15.5%. The MBTA runs three heavy rail lines, the Green Line and the Mattapan trolley, about 150 bus routes, 12 commuter rail lines over 394 miles of track and 8 ferry routes, and carried 270,715,800 trips in 2025, about ten times CapMetro's 26,283,400. Austin's rail is the Red Line, a 32-mile commuter line from Leander to downtown that carried 620,600 of those trips, and light rail is still a plan: voters approved it in November 2020, and its first phase, now 9.8 miles and 15 stations at an estimated $8.2 billion or more, is due in 2033 and counts on about $4.1 billion in federal money that has not been awarded. Logan handled 43.2 million passengers in 2025, a record 10 million of them international, three miles from downtown across the harbor; Austin-Bergstrom handled 21,666,852, about 5 miles southeast of downtown.

The two states sit at opposite ends of the coverage table. Massachusetts had the lowest uninsured rate in the country in 2024, 2.8%, from its own 2006 coverage law and MassHealth, expanded under the ACA; Texas had the highest of the fifty states, 16.7%, and is one of ten that have not expanded Medicaid, and the City of Austin's rate was 13.0%. Mass General and Brigham and Women's are both on the U.S. News 2026-2027 honor roll. Austin's anchor is Dell Seton Medical Center, the teaching hospital of UT's Dell Medical School and the region's only adult Level I trauma center, with St. David's and Baylor Scott & White, and a UT medical center with a new MD Anderson cancer center is due beside it in 2030. This site found no published wait time for care in either city. Both school districts are shrinking. Boston Public Schools enrolled 44,416 in 2025-26, down 3.6%, and a choice application rather than an address settles assignment. Austin ISD counted 65,951 in fall 2026, down 3,765, and approved closing or consolidating 10 schools. Boston University counted 37,737 students in fall 2024, with Harvard and MIT across the Charles; the University of Texas enrolled a record 55,000 in fall 2025.

What people underestimate is that each property tax bill here assumes a form the buyer files, and that the two bills move differently afterwards. Boston's residential exemption takes $351,108 off the assessed value, worth about $4,354 a year at the fiscal 2026 rate of $12.40 per $1,000; it is filed with the assessors by 1 April by someone who owned and occupied the home on the previous 1 January, and without it the benchmark bill is about $9,819. Austin's homestead exemptions take $140,000 off the school levy and 20% off three others, and without them the median house owes $11,460 rather than $9,019. After that, Massachusetts reassesses at full value every year, with no cap and no reset on a sale, so a Boston seller's bill is a fair guide to yours. Texas caps a homestead's taxable value at 10% growth a year and drops the cap on a sale, and for 2026 four of Austin's five units have adopted rates that, with the school district's proposed one, would put the same house at about 1.67%. Outside the three lines, maintenance at 1% of value is optimistic on a Boston housing stock whose median home was built in 1947.

Boston

Better here

  • 25.3% of workers commuted on the MBTA in 2024 and only 31.3% drove alone, against 3.0% by transit and 57.5% driving alone in Austin.
  • Massachusetts had the country's lowest uninsured rate in 2024 at 2.8%, against 16.7% in Texas, the highest of the fifty states.
  • Property tax on the benchmark is about $5,465 a year for fiscal 2026 with the residential exemption, 0.69% of the price, against $9,019 and 1.61% on Austin's median.
  • City median household income was $97,791 in 2024 against $90,430, and the metro figure $117,825 against $99,897.
  • Property crime was about 1,950 per 100,000 in 2025 against 3,093 in Austin, and homicide about 4.6 per 100,000 against 5.1.
  • Logan handled 43.2 million passengers in 2025, a record 10 million of them international, against 21,666,852 at Austin-Bergstrom, and sales tax is 6.25% in 2026 against 8.25%.

Worse here

  • Mortgage, property tax and insurance come to about $4,756 a month at August 2026's 6.66%, and about $4,913 at Austin's 7.03%, against $4,041, before condominium fees and heat.
  • Massachusetts income tax took about $4,780 from a single filer on $100,000 in 2025, which Texas does not charge, and the surtax takes the top combined rate to 46% against 37%.
  • A median two-bedroom rented for $3,425 in June 2026 against a $1,812 average in Austin in August, and a one-bedroom $2,877 against $1,421.
  • Metro jobs grew 0.3% in the year to July 2026 against 1.7% around Austin, and unemployment was 4.3% against 4.0% on the same unadjusted basis.
  • Reported violent crime was about 507 per 100,000 in 2025 against 421 in Austin, and the FBI's 2024 file counted more violent offenses in Boston than the department did, 4,138 against 3,615.
  • January averages -1.2 C on a 125 cm snow normal, and the owner's utility premium is $210 a month against $150 in Austin.

Choose Boston if

  • you would use the MBTA daily and want to live without a car
  • you work in a teaching hospital, a university lab, life sciences or asset management
  • you want coverage in the state with the country's lowest uninsured rate rather than the highest
  • you can carry about $4,756 a month before fees and heat, and will file the residential exemption by 1 April

The Boston guide · Neighborhoods · Boston rent vs buy · Boston mortgage calculator

Austin

Better here

  • Texas levies no income tax, so $100,000 pays $13,449 in federal tax for 2025 against about $18,229 in Boston, and the top combined rate is 37% against 46%.
  • Metro nonfarm jobs grew 1.7% in the year to July 2026 against 0.3% in greater Boston, and unemployment was 4.0% against 4.3% on the same unadjusted basis.
  • Mortgage, property tax and insurance come to about $4,041 a month on the August 2026 median, against about $4,913 in Boston at the same 7.03% rate.
  • A two-bedroom averaged $1,812 in August 2026 against a $3,425 median in Boston in June, and a one-bedroom $1,421 against $2,877.
  • Violent crime was 421 per 100,000 in 2025 on the FBI's counts, against about 507 on Boston Police's own count, which runs below the FBI's.
  • January averages 11.2 C with 0.5 cm of snow on the 1991-2020 normals, against -1.2 C and 125 cm in Boston.

Worse here

  • Property tax on the median house is $9,019 a year for the 2025 tax year with a homestead, an effective 1.61%, against about $5,465 and 0.69% on Boston's typical home.
  • Texas had the highest uninsured rate of the fifty states in 2024, 16.7%, against 2.8% in Massachusetts, and in August 2026 was one of ten states that have not expanded Medicaid.
  • Only 3.0% of workers commuted by transit in 2024 and 57.5% drove alone, and light rail's first 9.8 miles are not due until 2033.
  • Property crime was 3,093 per 100,000 in 2025 against about 1,950 in Boston, and there were 51 homicides, about 5.1 per 100,000, against 31 and about 4.6.
  • July averages 29.9 C, the second-warmest July mean of the fourteen cities this site compares, behind Dallas, and 2023 had 80 days at or above 100F (37.8 C).
  • City median household income was $90,430 in 2024 against $97,791 in Boston, and the metro's $99,897 against $117,825.

Choose Austin if

  • you work in technology, chip making, state government or the University of Texas and want a job market still adding people
  • you rent, or own and earn more than about $75,500, the point where Massachusetts income tax outweighs Austin's extra property tax on the two medians
  • you will drive anyway and would rather have an 11.2 C January than 125 cm of snow
  • you would rather plan around 100F days and creek floods than a snow season and nor'easters

The Austin guide · Neighborhoods · Austin rent vs buy · Austin mortgage calculator

08: Questions people ask

Boston or Austin, in short

Is Boston or Austin cheaper to live in?

Austin, on every line but property tax. Both cities price in US dollars, so the figures net directly. Boston's typical home was $791,816 in June 2026 against Austin's median sale price of $560,000 in August, and the mortgage at 20% down is $4,071 against about $2,990, though Boston's uses August's 6.66% rate and Austin's September's 7.03%. Property tax runs the other way, about $5,465 a year in Boston with the residential exemption against $9,019, and insurance is $230 a month against $300, so the three lines come to about $4,756 in Boston and $4,041 in Austin, or about $4,913 in Boston at the same 7.03%. A median two-bedroom rents for $3,425 in Boston against a $1,812 average in Austin. Massachusetts also takes about $4,780 in income tax from a single filer on $100,000 that Texas does not, while sales tax is 6.25% against 8.25%.

Is Boston or Austin safer?

It depends on the crime. Boston reports more violence, about 507 violent offenses per 100,000 in 2025 on the department's own count against 421 on the FBI's count for Austin, and on the FBI's own 2024 counts the gap was wider, about 628 against 470. Austin has more property crime, 3,093 per 100,000 against about 1,950. Homicide rates are close: 31 in Boston, about 4.6 per 100,000, and 51 in Austin, about 5.1, though APD's assistant chief put Austin's year at 55. Both cities' violent counts have fallen since 2023. None of these are published rates, Boston's counts are preliminary until UCR coding, and Austin's, read on 27 September 2026, can still be revised.

Which has the better job market, Boston or Austin?

Austin's is growing and Boston's pays more. In July 2026, on the same unadjusted basis, unemployment was 4.0% around Austin and 4.3% in greater Boston, and Austin's 1,421,700 nonfarm jobs grew 1.7% on the year against 0.3% for Boston's 2,747,200. Boston's metro median household income was $117,825 in 2024 against $99,897, and its city's $97,791 against $90,430. The work differs in what it depends on. Boston's base is health care, professional services and education, which ties it to federal research funding and international students; Austin's is professional and business services, technology and chip making, state government and the University of Texas, and its information jobs fell 4.9% in the year to July 2026.

Does Texas having no income tax make Austin cheaper than Boston?

For a renter, yes, and for an owner above a modest income. A single filer on $100,000 pays about $18,229 in Boston for 2025, $4,780 of it to Massachusetts at 5% above a $4,400 personal exemption, against $13,449 of federal tax alone in Austin. Texas collects through property instead. Austin's five taxing units take $9,019 a year on the median house with a homestead, an effective 1.61%, against about $5,465 on Boston's typical home with the residential exemption, 0.69%, a difference of $3,554 a year. On those two medians the Massachusetts tax passes Austin's extra property tax at about $75,500 of income, and the 4% surtax above $1,083,150 of taxable income widens the gap for the highest earners. Sales tax runs the other way, 6.25% in Massachusetts against 8.25%, and Massachusetts taxes estates over $2 million.

Sources

Where the figures come from

Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.

  1. Boston, MA Population (2025), citing US Census Bureau PEP Vintage 2025 · Every City in the USA (compiling US Census Bureau) · retrieved
    Supports: City population, Five-year growth
  2. Resident Population in Boston-Cambridge-Newton, MA-NH (MSA), BOSPOP · FRED, Federal Reserve Bank of St. Louis (US Census Bureau data) · retrieved
    Supports: Metro population, Five-year growth
  3. Boston (2020 census count and land area) · Wikipedia · retrieved
    Supports: City population, Five-year growth
  4. Part One Crime Reported, citywide by offence and district, 1/1/2024 to 12/28/2024 vs 1/1/2025 to 12/28/2025 · Boston Police Department · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  5. Part One Crime Reported, citywide by offence and district, 1/1/2023 to 12/29/2023 vs 1/1/2024 to 12/29/2024 · Boston Police Department · retrieved
    Supports: Crime trend
  6. Crime Stats · Boston Police Department · retrieved
    Supports: Crime trend
  7. Boston's yearly homicide rate increases 30%, from 24 killings to 31 · Boston.com · retrieved
    Supports: Homicides, Crime trend
  8. Boston leaders tout the city's low crime rate in 2025 · The Boston Globe · retrieved
    Supports: Homicides, Crime trend
  9. Boston, MA Crime Rates: Stats & Map (FBI UCR 2024 data, released September 2025) · AreaVibes · retrieved
    Supports: Violent crime rate, Property crime rate, Crime trend
  10. US Climate Normals 1991-2020, station USW00014739 Boston Logan International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals
  11. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours
  12. USA: Storm and High Tide Cause Coastal Flooding in North East · FloodList · retrieved
    Supports: Climate hazards
  13. Climate Ready East Boston (case study) · American Society of Landscape Architects · retrieved
    Supports: Climate hazards
  14. Coastal Resilience Planning · City of Boston · retrieved
    Supports: Climate hazards
  15. Coastal Resilience Implementation · City of Boston · retrieved
    Supports: Climate hazards, Character
  16. ACS 2024 1-year tables B08301 and B19013 for Boston city and the Boston-Cambridge-Newton MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share
  17. Boston, MA profile, ACS 2024 1-year · Census Reporter (US Census Bureau ACS) · retrieved
    Supports: Walk and cycle commute share, Median household income
  18. ACS 2024 1-year tables B25035 and B25003 for Boston city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Character
  19. Unemployment Rate in Boston-Cambridge-Newton, MA-NH (MSA), LAUMT251446000000003 · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  20. All Employees: Total Nonfarm in Boston-Cambridge-Newton, MA-NH (MSA), SMS25144600000000001 · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  21. Boston, MA · Data USA (Census ACS) · retrieved
    Supports: Main sectors, Labour market
  22. Massachusetts Tax Rates & Rankings (2026) · Tax Foundation · retrieved
    Supports: Sales tax, Top marginal income tax
  23. 2025 Tax Brackets · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  24. What is Massachusetts Income Tax? Rates & Tax Brackets · TaxAct · retrieved
    Supports: Income tax on $100,000
  25. Massachusetts Millionaire Surtax 2026, citing Department of Revenue certified thresholds · Morkel Financial · retrieved
    Supports: Top marginal income tax
  26. Don't Call it the 'Millionaires' Tax: Inflation is Raising the Bar on Who Pays Massachusetts' High-earner Levy · Massachusetts High Technology Council · retrieved
    Supports: Top marginal income tax
  27. Massachusetts State Taxes: What You'll Pay in 2026 · AARP · retrieved
    Supports: Tax notes, Top marginal income tax
  28. Residential exemption · City of Boston Assessing Department · retrieved
    Supports: Tax notes
  29. Massachusetts Bay Transportation Authority (citing the APTA ridership report and MBTA figures) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  30. MBTA Sees Over 29 Million Trips in 2025, citing the MBTA and Keolis TRACKed year-in-review · American-Rails.com · retrieved
    Supports: Transit ridership
  31. 2025 Year in Review · Massport · retrieved
    Supports: Airport passengers
  32. Explore Uninsured in Massachusetts (US Census Bureau ACS 1-year 2024) · America's Health Rankings, United Health Foundation · retrieved
    Supports: Health care
  33. Mass General Brigham Hospitals Named Among Nation's Best by U.S. News & World Report (2026-2027 rankings) · Mass General Brigham · retrieved
    Supports: Health care
  34. Enrollment Data (2025-26), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  35. Enrollment Data (2024-25), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  36. Enrollment Data (2023-24), Boston (00350000) · Massachusetts Department of Elementary and Secondary Education · retrieved
    Supports: Education
  37. Exam Schools Admissions FAQs · Boston Public Schools · retrieved
    Supports: Education
  38. Boston School Committee approves changes to exam school admissions · WBUR · retrieved
    Supports: Education
  39. Common Data Set 2024-2025, section B: Enrollment and Persistence (Fall 2024) · Boston University, Analytical Services & Institutional Research · retrieved
    Supports: Education
  40. Annual Estimates of the Resident Population for Incorporated Places in Texas: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character
  41. Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved
    Supports: Metro population, Five-year growth, Character
  42. Crime Data Explorer summarized agency data, Austin Police Department (TX2270100): violent crime, property crime and homicide, 2021-2025 · FBI · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  43. NIBRS Group A Offense Crimes (Austin Police Department open data, updated 14 September 2026) · City of Austin Open Data · retrieved
    Supports: Violent crime rate, Property crime rate, Homicides, Crime trend
  44. Austin's crime dropped below pre-pandemic highs in 2025 · KUT Radio, Austin's NPR Station · retrieved
    Supports: Homicides, Crime trend
  45. US Climate Normals 1991-2020, station USW00013958 Austin Camp Mabry (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 52.2F, July 85.8F and August 86.5F from the monthly series, and annual mean 70.0F, precipitation 36.25 in, snowfall 0.2 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  46. US Climate Normals 1991-2020, station USW00013904 Austin-Bergstrom International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals
  47. Global Historical Climatology Network daily summaries, Austin Camp Mabry (USW00013958), 1938-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 80 days at or above 100F in 2023 and 45 in a row from 8 July to 21 August, 90 in 2011 with a 27-day run, 112F on 5 September 2000 and 28 August 2011, 6.4 in of snow on 14 and 15 February 2021, 7F on 16 February 2021 and 4F on 23 December 1989, 5.20 in on 25 May 2015
  48. Global Historical Climatology Network daily summaries, Austin-Bergstrom International Airport (USW00013904), February 2021 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards
  49. This Holiday Weekend Marks The 40th Anniversary Of Austin's 1981 Memorial Day Flood · KUT Radio, Austin's NPR Station · retrieved
    Supports: Climate hazards
  50. October 30-31, 2013 Halloween Flash Flood Event · National Weather Service, Austin/San Antonio · retrieved
    Supports: Climate hazards
  51. Lower Onion Creek Flood Mitigation Buyout Project Gets Kudos from Homeowners · FEMA · retrieved
    Supports: Climate hazards
  52. 2015 Memorial Day Weekend Flooding, 23 to 24 May 2015 (Weather Event Summary) · National Weather Service, Austin/San Antonio · retrieved
    Supports: Climate hazards
  53. Tornado outbreak and floods of May 23 to 26, 2015 (Wimberley homes destroyed, Shoal Creek on May 25) · Wikipedia · retrieved
    Supports: Climate hazards
  54. National Weather Service releases new report on deadly Central Texas floods · KXAN Austin (via Yahoo News) · retrieved
    Supports: Climate hazards
  55. 2021 Winter Storm Uri After-Action Review, Findings Report · City of Austin and Travis County · retrieved
    Supports: Climate hazards
  56. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  57. The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved
    Supports: Climate hazards
  58. Highland Lakes and Colorado River · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  59. Most LCRA agricultural customers will go without Highland Lakes water in 2024 · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  60. Drought persists in Central Texas, Water Management Plan under review · Community Impact · retrieved
    Supports: Climate hazards
  61. Water Supply Operations · Lower Colorado River Authority · retrieved
    Supports: Climate hazards
  62. ACS 2024 1-year tables B08301 and B19013 for Austin city and the Austin-Round Rock-San Marcos MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  63. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Travis County and Austin city · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  64. Unemployment Rate in Austin-Round Rock-San Marcos, TX (MSA), AUST448UR and AUST448URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  65. All Employees: Total Nonfarm in Austin-Round Rock-San Marcos, TX (MSA), AUST448NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  66. Austin Area Economic Summary · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate, Main sectors, Labour market
  67. Major Employers · Opportunity Austin (Austin Chamber of Commerce) · retrieved
    Supports: Main sectors, Labour market, Health care
  68. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  69. Transit Sales and Use Tax (Austin MTA, effective July 1, 1985) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  70. Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  71. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  72. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  73. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  74. Voters OK property tax breaks for Texas homeowners, businesses · The Texas Tribune · retrieved
    Supports: Tax notes
  75. Austin voters reject Proposition Q, a tax rate increase to fund city services · KUT Radio, Austin's NPR Station · retrieved
    Supports: Tax notes
  76. CapMetro (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership, Character
  77. CapMetro Rail (Red Line: Leander to Downtown, 32 miles, 10 stations) · Wikipedia · retrieved
    Supports: Transit system
  78. What's on track and behind schedule with Austin's transit expansion nearly 6 years later · KUT Radio, Austin's NPR Station · retrieved
    Supports: Transit system, Transit ridership, Tax notes, Character
  79. How Austin's Project Connect went off the rails · The Texas Tribune · retrieved
    Supports: Transit ridership, Character
  80. Aviation Activity Report, Calendar Year 2025 vs 2024, Combined Terminals · Austin-Bergstrom International Airport · retrieved
    Supports: Airport passengers
  81. Austin-Bergstrom International Airport (annual passenger traffic table and history) · Wikipedia · retrieved
    Supports: Airport passengers
  82. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  83. Dell Seton Medical Center · Wikipedia · retrieved
    Supports: Health care
  84. Dell Seton Medical Center at The University of Texas · Ascension Seton · retrieved
    Supports: Health care
  85. About St. David's HealthCare · St. David's HealthCare · retrieved
    Supports: Health care
  86. Building World-Class Health Care in Austin · Michael & Susan Dell Foundation · retrieved
    Supports: Health care
  87. Austin ISD Board approves 24 state-mandated turnaround plans, school consolidation and programmatic reassignments · Austin Independent School District · retrieved
    Supports: Education
  88. District Demographics · Austin Independent School District · retrieved
    Supports: Education
  89. Austin ISD enrollment dips as transportation costs rise · Austin Current · retrieved
    Supports: Education, Character
  90. Austin ISD loses 3,000 students amid school closures and budget crisis · KUT Radio, Austin's NPR Station · retrieved
    Supports: Education, Character
  91. UT Sets All-Time Highs for Enrollment and Student Performance · UT News, The University of Texas at Austin · retrieved
    Supports: Education
  92. Tax Rates by Class, fiscal year 2026 · Massachusetts Department of Revenue, Division of Local Services, Municipal Databank · retrieved
    Supports: The certified fiscal 2026 residential rate for each of the twenty-four municipalities, from Cambridge at $6.67 to Everett at $12.62, The commercial, industrial and personal property rate behind each of them, which gives the classification shift, That Arlington and Belmont charge a single rate to all classes, That fiscal 2026 is the most recent fully certified year: at the retrieval date only two of the state's 352 municipalities had a fiscal 2027 rate on the table
  93. City of Somerville FY2026 Classification Hearing, 25 November 2025, and the FY2026 Property Tax Update · Somerville Board of Assessors · retrieved
    Supports: A residential exemption of 35% of average assessed value adopted for fiscal 2026, yielding savings of up to $4,578, A minimum residential factor of 82.816, the legal minimum for the city, Form LA-4 parcel counts and assessed values by use code, from which the average Class One value of about $1,191,000 follows, That Somerville carries 7,251 condominium parcels against 2,315 single-family parcels, That life science property in this market depreciated about 20% between fiscal 2025 and fiscal 2026
  94. City Council meeting minutes, 28 October 2025: adoption of a residential exemption and minimum residential factor for fiscal 2026 · City of Malden · retrieved
    Supports: A unanimous vote to adopt a residential factor of 0.9054 and a residential exemption of 35%, raised from 30%, The council's own statement on the record that the increase is a tax shift benefiting owner-occupied households and not a tax cut, and that the shift is budget neutral, Average fiscal 2026 values of $449,000 for a condominium, $666,000 for a single family, $861,000 for a two-family and $991,000 for a three-family, That the increase from 30% to 35% is worth about $291 a year, from which the $178,684 exemption value here is derived, A Proposition 2 1/2 override under discussion for fiscal 2027 at $5.4 million and $8.2 million
  95. Residential exemption information for fiscal year 2026 · City of Chelsea Board of Assessors · retrieved
    Supports: An exemption of 35% of the average assessed value of all Class One residential parcels, $279,066 of assessed value excluded for fiscal 2026, worth $3,203.68 at the city's $11.48 rate, The 1 April 2026 filing deadline and the 1 January ownership and occupancy test
  96. Residential exemption information, fiscal year 2026 · City known as the Town of Watertown, Assessing Department · retrieved
    Supports: The maximum 35% exemption recommended by the assessors and adopted by the council for fiscal 2026, $324,715 of assessed value excluded, worth $3,961.52 at the town's $12.20 rate
  97. Residential exemptions · Town of Brookline Assessors · retrieved
    Supports: $354,974 deducted from a qualified owner-occupier's assessed value for fiscal 2026, That the exemption may be not more than 35% of the average assessed value of all Class One residential parcels and that the amount changes each year
  98. Assessor's Department: the residential exemption · City of Waltham · retrieved
    Supports: $317,643 of assessed value removed from an owner-occupied residence of up to three units for fiscal 2026, The maximum 35% exemption continued by the city council, The 1 January 2025 ownership and occupancy test for the fiscal 2026 year
  99. Assessor's office: owner-occupant residential exemption, fiscal year 2026 · City of Everett · retrieved
    Supports: $204,651 of taxable value removed from an owner-occupied parcel, worth $2,582.70 at the city's $12.62 rate
  100. Residential exemption and fiscal 2026 tax rates · City of Cambridge Assessing Department · retrieved
    Supports: A 30% residential exemption for fiscal 2026, $510,208 of assessed value, worth about $3,403, A residential rate of $6.67 per $1,000 set by the city council on 20 October 2025, the lowest in the Commonwealth
  101. Zillow Home Value Index (ZHVI), mid-tier, smoothed and seasonally adjusted: city files for all homes, single family and condominium, June 2026 · Zillow Research · retrieved
    Supports: A typical home value for each municipality, computed on one method across all twenty-four, The same series and month the Charlotte, Orlando, Palm Beach, Miami and Tampa Bay pages use, A separate single-family and condominium index for every one of these municipalities, Year-over-year change to June 2026, which is negative in three of the twenty-four
  102. Fiscal Year 2026 Fair Market Rents: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved
    Supports: $2,476 for one bedroom, $2,941 for two and $3,526 for three, The ratios this layer uses to split the Zillow rent index by bedroom count, which differ from the Florida layers'
  103. Annual estimates of the resident population for minor civil divisions, 2020 to 2024 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: 2020 census counts and 2024 estimates for each municipality, at summary level 061, That in New England the municipality is the minor civil division, so 061 rather than the place level is the right series and all 351 Massachusetts municipalities appear in it, Boston at 673,458 and Cambridge at 121,186; Belmont at 27,442 as the smallest here, Weymouth at 60,159, which would rank eleventh on this table and is outside the eleven-mile rule by three tenths of a mile
  104. Primary Mortgage Market Survey, 27 August 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 6.66%
  105. Average home insurance cost in Massachusetts, 2026 · MoneyGeek and Insurance.com, on carrier rate filings · retrieved
    Supports: A Massachusetts average between roughly $1,500 and $1,900 a year against a national average near $2,800, Coastal communities running roughly a third to two thirds above the state mean, Wind and hurricane deductibles on coastal policies of 1% to 5% of dwelling value rather than a flat amount
  106. Chapter 59, Section 5C: residential exemption · Massachusetts General Laws · retrieved
    Supports: A local option exemption of not more than 35% of the average assessed value of all Class One residential parcels, The exemption applies only to a parcel that is the principal residence of the taxpayer as of 1 January, The percentage is voted annually by the municipality
  107. Chapter 59, Section 21C: Proposition 2 1/2 · Massachusetts General Laws · retrieved
    Supports: A levy ceiling of 2.5% of the total full and fair cash value of taxable property, A levy limit that may grow 2.5% a year plus certified new growth, Overrides and debt exclusions as the two ways a municipality exceeds the limit, That the cap is on the levy and not on the tax rate
  108. Chapter 59, Section 38: valuation at full and fair cash value · Massachusetts General Laws · retrieved
    Supports: Assessment at full and fair cash value, re-set annually rather than frozen at a base year, No purchase reset and no growth cap on an assessment, so a seller's bill is a fair guide to a buyer's
  109. Chapter 40, Section 56: classification and the minimum residential factor · Massachusetts General Laws · retrieved
    Supports: The power to shift part of the levy onto commercial, industrial and personal property, A ceiling of 175% of the commercial share, subject to a minimum residential factor, That the published residential rate is therefore an output of a local vote rather than a measure of what a town spends
  110. Chapter 64D, Section 1: excise upon deeds, instruments and writings · Massachusetts General Laws · retrieved
    Supports: $2.28 for each $500 of consideration, which is $4.56 per $1,000 or 0.456%, The excise falls on the person making the deed, so it is the seller's by statute, The Barnstable County rate of $2.85 per $500, which no municipality in this layer pays
  111. Chapter 40P: the Massachusetts Rent Control Prohibition Act · Massachusetts General Laws · retrieved
    Supports: No city or town may enact or enforce any control on the rent of residential property, Enacted by the 1994 ballot initiative and effective 1 January 1995, The voiding of the then-existing ordinances in Boston, Cambridge and Brookline
  112. Chapter 188: the declaration of homestead · Massachusetts General Laws · retrieved
    Supports: Protection of up to $500,000 of equity in a principal residence from most creditors on a declared homestead, and $125,000 automatically, That this is a creditor protection and not a property tax exemption, which is the confusion the caveat in lib/housing/massachusetts.ts exists to prevent
  113. Real Estate Bar Association for Massachusetts v. National Real Estate Information Services, 459 Mass. 512 · Supreme Judicial Court of Massachusetts · retrieved
    Supports: That conducting a residential real estate closing in Massachusetts is the practice of law and must be done by an attorney
  114. Homebuyer programs and down payment assistance · MassHousing · retrieved
    Supports: Down payment assistance to $30,000 generally and to $50,000 or 10% of price in Boston and the Gateway Cities
  115. ONE Mortgage · Massachusetts Housing Partnership · retrieved
    Supports: A 3% down first mortgage with no private mortgage insurance for income-eligible first-time buyers
  116. August 2026 Central Texas housing report · Unlock MLS · retrieved
    Supports: A median residential sale price of $560,000 in the City of Austin in August 2026, down 4.3% from August 2025, 844 homes sold, down 10.3%, 4,554 active listings and 4.6 months of inventory in the City of Austin, No split of the city figures by property type
  117. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $497,418 for the city of Austin (region 10221) in August 2026, $516,564 in August 2025, so a fall of 3.7% over the year
  118. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $527,943 in the city of Austin in August 2026, against $546,174 a year earlier, down 3.3%, A typical condominium value of $355,596 in the same month, against $375,347, down 5.3%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  119. Austin, TX average rent and rent trends · RentCafe / Yardi Matrix · retrieved
    Supports: An average Austin apartment rent of $1,641, down 2.25% from $1,678 a year earlier, updated 31 August 2026, Average rents of $1,287 studio, $1,421 one-bedroom, $1,812 two-bedroom and $2,405 three-bedroom
  120. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,586 for the city of Austin in August 2026, down 0.31% from $1,591 a year earlier
  121. Tax rates and truth-in-taxation rate table, all taxing units · Travis County Tax Assessor-Collector · retrieved
    Supports: 2025 adopted rates per $100: Travis County 0.375845, City of Austin 0.524017, Austin ISD 0.9252, Austin Community College 0.1034, Travis County Healthcare District (Central Health) 0.118023, 2026 adopted rates for Travis County (0.386210), the City of Austin (0.579948), ACC (0.103643) and Central Health (0.132863), and no adopted 2026 rate yet for Austin ISD
  122. 2026 exemption listing, Travis County taxing units · Travis Central Appraisal District · retrieved
    Supports: A residence homestead exemption of $140,000 for Austin ISD, with no local option, Local option homestead exemptions of 20% with a $5,000 minimum for Travis County, the City of Austin and the Travis County Healthcare District, and 1% with a $5,000 minimum for Austin Community College, The same exemptions in the 2025 listing, dated 25 July 2025
  123. Property tax rates · City of Austin Budget Office · retrieved
    Supports: A fiscal 2026 rate of 0.524017 per $100, maintenance and operations 0.410282 and debt service 0.113735, A fiscal 2027 rate of 0.579948 per $100, adopted on 12 August 2026
  124. Ordinance No. 20251120-006, reducing the fiscal 2025-2026 tax rate to the voter-approval rate · City of Austin · retrieved
    Supports: The Council adopted a rate above the voter-approval rate on 13 August 2025, which triggered an automatic election, Proposition Q did not win a majority at the 4 November 2025 election, The rate reduced to the voter-approval rate of $0.524017 per $100 under Tax Code section 26.07(e), effective 1 December 2025
  125. Notice about tax year 2026 property tax rates and impact statement · Austin Independent School District · retrieved
    Supports: A 2025 rate of 0.9252 per $100, maintenance and operations 0.8022 and debt service 0.1230, A proposed 2026 rate of 0.9184, maintenance and operations 0.7954 and debt service 0.1230
  126. Austin ISD claims victory in tax rate election · KUT News · retrieved
    Supports: Austin ISD's Proposition A passed on 5 November 2024 with about 58% of the vote, raising the district's rate 9.1 cents, from 0.8595 to 0.9505 per $100
  127. Travis County Prop A, affordable child care passes with majority of vote in 2024 election, unofficial results show · Community Impact · retrieved
    Supports: Travis County's Proposition A, a tax rate increase of 2.5 cents per $100 to fund child care, passed on 5 November 2024 with 59.43% of the vote, 321,043 to 219,141
  128. Truth-in-taxation rate table, all Travis County taxing units, 2022 to 2026 · Travis County Tax Assessor-Collector · retrieved
    Supports: Travis Central Health: a 2026 total rate of 0.132863 per $100, maintenance and operations 0.123603 and debt service 0.00926, against a no-new-revenue rate of 0.118633 and a voter-approval rate of 0.135195; a 2025 total rate of 0.118023, Travis County: a 2024 total rate of 0.344445 per $100 against a voter-approval rate of 0.319445, the 2.5 cents voters approved, Austin ISD: total rates of 0.8595 for 2023 and 0.9505 for 2024, and for 2026 a no-new-revenue and voter-approval rate but no total rate
  129. ACC approves new property tax rate for fiscal year 2025-26 · Austin Community College District · retrieved
    Supports: A 2025 rate of 0.1034 per $100
  130. Central Health board approves fiscal year 2027 tax rate and budget · Central Health (Travis County Healthcare District) · retrieved
    Supports: The Board of Managers adopted the fiscal 2027 tax rate on Wednesday, 9 September 2026, in a release dated 10 September; the rate itself is in the county's rate table above
  131. Fiscal year 2027 tax rate impact statement · Travis County · retrieved
    Supports: A county tax of $1,653.72 in 2025 on a $550,000 homestead after the 20% exemption, the same arithmetic as here, The 2025 rate set with the disaster calculation after the July 2025 floods, which the county said would come out for fiscal 2027
  132. Valuing property: the homestead cap and the circuit breaker limitation · Texas Comptroller of Public Accounts · retrieved
    Supports: A residence homestead's appraised value may not rise more than 10% a year, from the year after the owner first qualifies, A 20% annual limit on the appraised value of non-homestead property valued at $5 million or less, the circuit breaker, which expires on 31 December 2026
  133. Tax Code, Section 41.44: notice of protest · Texas Legislature · retrieved
    Supports: A protest must be filed by 15 May or the 30th day after the appraisal notice is delivered, whichever is later
  134. 2025 annual report · Travis Central Appraisal District · retrieved
    Supports: 210,038 property value appeals filed in 2025, A districtwide single-family median level of appraisal of 1.00
  135. School district property value study, 2024 final findings, Austin ISD · Texas Comptroller of Public Accounts · retrieved
    Supports: Austin ISD's local value found within the confidence interval of the state's estimate, so the appraisal district's values stand as market value
  136. 2026 market values on their way · Travis Central Appraisal District · retrieved
    Supports: A median residence homestead market value of $493,449 in Travis County for 2026, against $519,677 in 2025
  137. Annexation · City of Austin Planning Department · retrieved
    Supports: The City collects no property tax in limited-purpose areas, On full-purpose annexation an area's emergency services district tax may be eliminated
  138. Senate Bill 2, 86th Legislature: the Texas Property Tax Reform and Transparency Act of 2019 · Texas Legislature Online · retrieved
    Supports: The enrolled bill summary names Senate Bill 2 of 2019, by Bettencourt et al., the Texas Property Tax Reform and Transparency Act of 2019, with provisions taking effect from 1 January 2020 to 1 January 2022
  139. Property tax process post-Senate Bill 2 (2019): explanatory Q&A · Texas Municipal League · retrieved
    Supports: S.B. 2 lowers the multiplier in a city's voter-approval rate from 8 percent to 3.5 percent more maintenance and operations revenue, for nearly every Texas city, A city that adopts a rate above the 3.5 percent voter-approval rate must hold an automatic election on the November uniform election date, where before voters had to petition for one
  140. Truth in taxation · Texas Comptroller of Public Accounts · retrieved
    Supports: The voter-approval rate gives taxing units other than school districts and special taxing units about the previous year's operating revenue plus an extra 3.5 percent
  141. Geologic wonders of Texas: Central Texas · Bureau of Economic Geology, The University of Texas at Austin · retrieved
    Supports: In Austin the Balcones escarpment generally parallels MoPac (Loop 1): west of it the city is hilly and east of it relatively flat, Hard Lower Cretaceous limestones and dolostones form the hills to the west, and younger Upper Cretaceous rocks including clays the flatter ground to the east
  142. Houston Black: Texas state soil · Soil Science Society of America, with USDA Natural Resources Conservation Service figures · retrieved
    Supports: Houston Black, a smectite clay that shrinks when dry and swells when wet, is found in the Blackland Prairie along the route of Interstate 35 from north of Dallas to just south of San Antonio, Construction on it is often plagued by cracking from the shrinking and swelling, and building foundations need reinforcing
  143. Floodplain management · City of Austin Watershed Protection Department · retrieved
    Supports: NOAA's Atlas 14 rainfall study of 2018 found Central Texas getting heavier rain than previously thought, and the City is updating its floodplain maps from it, In November 2019 the City based its development regulations on the current FEMA 500-year floodplain instead of the 100-year floodplain, pending completion of the updated maps; the maps are on ATXFloodPro
  144. Flood zones · Federal Emergency Management Agency · retrieved
    Supports: The Special Flood Hazard Area is the land flooded by the 1-percent-annual-chance flood, the base or 100-year flood; the ground between it and the 500-year flood is a moderate-risk zone
  145. Understanding flood risk: real estate, lending and insurance professionals · Federal Emergency Management Agency · retrieved
    Supports: Federally regulated or insured lenders must require flood insurance for every building in a Special Flood Hazard Area with a federally backed loan
  146. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year, from the Texas Statistical Plan for Residential Risks, Hail as the largest cause of paid homeowners losses in every year from 2016 to 2025 except 2021
  147. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average Austin premium of $4,250 a year and a Texas average of $5,910, for $500,000 of dwelling cover
  148. How much is homeowners insurance in Austin, TX? · Insure.com · retrieved
    Supports: An average Austin premium of $2,698 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
  149. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average Austin renters premium of $136 a year for $30,000 of personal property
  150. Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Austin city · United States Census Bureau · retrieved
    Supports: A median monthly association fee of $76 among Austin owner-occupied units that pay one, 88,975 of 199,801 owner-occupied units, or 44.5%, paying such a fee, from table B25142
  151. City of Austin utility rates and fees, effective 1 July 2026 · City of Austin · retrieved
    Supports: A residential solid waste charge of $23.80 a month plus $4.70 to $40.30 by cart size, Clean Community fees of $5.45 and $4.80 a month, charged to every residential customer, A transportation user fee of $21.80 a month for a single-family home
  152. Homebuyer resources: Down Payment Assistance · City of Austin Housing Department · retrieved
    Supports: Up to $40,000 in assistance for first-time buyers at or below 80% of median family income, A sales price of no more than $440,000, on a home inside Austin's full-purpose city limits
  153. Conforming loan limit values for 2026, by county · Federal Housing Finance Agency · retrieved
    Supports: A baseline one-unit conforming loan limit of $832,750 for 2026, which is the limit in Travis County
  154. Annual estimates of the resident population for incorporated places, 2020 to 2025 · United States Census Bureau, Population Estimates Program · retrieved
    Supports: A population of 1,002,632 for Austin on 1 July 2025, against 961,855 at the 2020 census
  155. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 325.013 square miles for Austin city, against 319.937 in the 2020 file