Victoria vs Austin: which should you move to?
Victoria 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.
The housing bills are in different currencies and do not net, and held against local pay they are not close. Mortgage, property tax and insurance on Victoria's single-family benchmark come to about $6,515 CAD a month, roughly 92% of the metro's 2020 median household income, against about $4,041 USD on Austin's median sale, roughly 54% of the city's 2024 median; the Victoria house is 15.4 times income and Austin's typical single-family home about 5.8. Austin also has the labor market, 3.7% metro unemployment in July 2026 against 5.0%, and it takes no state income tax, collecting instead through a property tax of 1.61% of value against Victoria's 0.566%. Victoria has the safety, 4 homicide victims in the metro in 2025, 0.90 per 100,000, against 51 in Austin, about 5.1. Choose Victoria to walk to work in a mild climate with public health care, if you rent or already hold equity. Choose Austin to buy a house on a salary in a bigger job market.
Victoria prices are in CAD and Austin prices are in USD. The tables leave them in their own currency and compare ratios and rates instead; a conversion would be stale by the time you read it.
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| City population | 91,867 (2021) | 1,002,632 (2025) | Not directly comparable |
| Metro population | 445,090 (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. | 7.1% (2016-2021) | 4.6% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| 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. | $1,311,000 (July 2026) | $560,000 (August 2026) | Not directly comparable |
| Detached house benchmark Victoria publishes a single house index rather than a composite, so the two rows repeat. | $1,311,000 | $527,943 | Not directly comparable |
| Apartment or condominium benchmark | $548,600 | $355,596 | Not directly comparable |
| Two-bedroom rent | $2,076/mo (average, October 2025) | $1,812/mo (average, August 2026) | Not directly comparable |
| One-bedroom rent | $1,594/mo | $1,421/mo | Not directly comparable |
| 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. | 29.3% of a year's income | 24.0% of a year's income | Austin |
| Mortgage payment on the benchmark, 20% down 25 years in Victoria against 30 in Austin, each compounding the way its own country's lenders do. The rates are not a spread you can shop: they are what each market charges. | $5,712/mo at 4.34% | $2,990/mo at 7.03% | Not directly comparable |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 15.4× | 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. | $7,415/yr (0.566%, 2026) | $9,022/yr (1.611%, 2025) | Victoria |
| 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. | $24,220 (buyer pays) | None | Austin |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | 2.3% guideline (2026) | Forbidden by state law | Not directly comparable |
Victoria: The 2026 Class 1 residential total of $5.6559 per $1,000 of taxable value: municipal $3.7229 plus the CRD, local school, hospital district, BC Assessment, MFA and BC Transit levies, before the Home Owner Grant. 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%.
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.
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| Crime Severity Index Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series. | 74.6 (2025) | Not published | Not directly comparable |
| Violent crime per 100,000 Canada counts every violent Criminal Code incident; the FBI counts four offences. The Canadian figure is always the larger one for that reason alone. | 1,542 (2025) | 421 (2025) | Not directly comparable |
| Property crime per 100,000 | 3,096 (2025) | 3,093 (2025) | Not directly comparable |
| 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. | 4 (2025) | 51 (2025) | Not directly comparable |
The Victoria CMA Crime Severity Index moved between 71 and 80 from 2021 to 2025 (72.7, 74.9, 80.2, 71.2, 74.6) with no sustained direction. The violent crime rate per 100,000 fell from 1,542 in 2021 to 1,439 in 2024 and then returned to 1,542 in 2025; the property crime rate fell from 3,319 in 2021 to 3,096 in 2025.
What the rates cover: Police-reported total violent Criminal Code violations, rate per 100,000, Victoria CMA, table 35-10-0177-01.
Homicides: Victoria CMA, 4 victims, 0.90 per 100,000 (table 35-10-0071-01). Counts were 5, 5, 2, 2 for 2021 through 2024.
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.
Winters, summers and what the weather can do to a house
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| January mean | 4.6 °C | 11.2 °C | Not directly comparable |
| July mean | 17.2 °C | 29.9 °C | Not directly comparable |
| Precipitation a year | 901 mm | 921 mm | Not directly comparable |
| Snowfall a year | 39 cm | 1 cm | Not directly comparable |
| Sunshine a year | 2,109 hours | 2,644 hours | Austin |
Environment and Climate Change Canada 1991-2020 normals at Victoria Int'l A (climate ID 1018620, at Sidney, 25 km north of downtown) for temperature, precipitation and snowfall. Sunshine is from the 1981-2010 normals at the same station; the 1991-2020 set does not publish a sunshine normal. Downtown is drier: Victoria Gonzales 1991-2020 normals show 5.8 C in January, 16.3 C in July and 110.6 mm in the wettest month against 155.3 mm at the airport.
Hazards: The region sits on the Cascadia subduction zone and carries Canada's highest earthquake risk; summers bring wildfire smoke from the BC interior and drought-driven watering restrictions, and winters bring atmospheric-river rain and occasional short snow events that stop traffic.
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.
What people earn and what the government takes
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| Median household income | $85,000 CAD (2020) | $90,430 USD (2024) | Not directly comparable |
| Unemployment rate Statistics Canada and the Bureau of Labor Statistics define unemployment slightly differently; the Canadian measure runs about a point higher on the same labour market. | 5.0% (July 2026) | 3.7% (July 2026) | Not directly comparable |
| Sales tax | 12% | 8.25% | Austin |
| 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. | 53.5% | 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. | $20,503 CAD | $13,449 USD | Not directly comparable |
In the 2021 Census the region's largest employers by sector were health care (29,750 workers), public administration (27,780), retail (22,540) and professional, scientific and technical services (19,655), per the South Island Prosperity Partnership's 2025 socio-economic profile. Victoria's unemployment rate is usually among the lowest of Canadian CMAs; the same report notes shortages in health care and construction and an ageing population.
Main sectors: Health care and social assistance, Public administration (provincial capital, CFB Esquimalt), Retail trade, Professional, scientific and technical services including software, Tourism, accommodation and food services.
BC has no payroll tax on employees beyond CPP and EI, and MSP health premiums were eliminated in 2020. Property transfer tax applies on purchase (1% to 3%, plus 20% foreign-buyer tax in the Victoria CMA) and a speculation and vacancy tax applies to homes left empty.
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.
Whether you need a car
| Measure | Victoria | Austin | Advantage |
|---|---|---|---|
| System | Victoria Regional Transit System (BC Transit buses and handyDART); no rail. BC Ferries and Harbour Air, Helijet and the Coho and Clipper ferries connect to Vancouver and Seattle. | CapMetro 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 2033 | Not directly comparable |
| Commute by public transit | 7.7% (2021) | 3.0% (2024) | Victoria |
| Walk or cycle to work | 15.3% (2021) | 4.1% (2024) | Victoria |
| Airport | Victoria International Airport (YYJ), at Sidney, 1,986,057 passengers in 2025, up 6.1% on 2024 and the busiest year since 2018 (Victoria Airport Authority 2025 Annual Report). Domestic-heavy; most international trips connect through Vancouver or Seattle. | 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 |
No verified systemwide annual total. BC Transit's 2025 year-in-review (Dec 19, 2025) reports the busiest route, the 95 Blink RapidBus, at more than 11,000 daily boardings; the Victoria Regional Transit Commission's Nov 2025 service plan reports 58.53 boardings per service hour by end of 2024, up 17.6% year over year and 21.2% above pre-COVID. Wikipedia cites APTA's Q4 2025 report at 26.56 million boardings for 2025 but the APTA PDF could not be fetched.
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.
Health care, schools and what each city is like
Health care
Care is paid for by BC's Medical Services Plan, with no premiums since 2020, and delivered by Island Health; prescription drugs outside hospital are covered through income-tested Fair PharmaCare, so many households carry employer extended-health plans for drugs, dental and physio. Greater Victoria has three hospitals, Royal Jubilee (the cardiac and cancer referral site for Vancouver Island), Victoria General (trauma and pediatrics) and Saanich Peninsula; the region has a well-known shortage of family doctors, and BC runs a central waitlist (Health Connect Registry) to attach new patients to primary care.
Education
The University of Victoria (about 22,000 students) is the main research university, with Camosun College for trades and transfer programs and Royal Roads University in Colwood for working adults; the University of Victoria is regularly placed in the top three Canadian comprehensive universities by Maclean's. Public K-12 is run by the Greater Victoria School District (SD61) in the core, with Sooke (SD62) in the fast-growing West Shore and Saanich (SD63) on the peninsula; there are no charter schools in BC, and French immersion seats in SD61 are allocated by lottery.
Living there
Victoria is a government and university town at the south tip of Vancouver Island with the mildest winters in Canada, a walkable and bikeable core, and a large retiree population; the trade-off is island logistics, with every mainland trip by 95-minute ferry or a short flight, and a housing market priced close to Vancouver's. Most growth since 2016 has gone to Langford and the West Shore, 15 to 25 km out along a congested Highway 1, while the City of Victoria itself is dense apartment and heritage-house neighbourhoods where a third of commuters walk or cycle. Downtown has visible street homelessness and open drug use concentrated around Pandora Avenue, which shows up in the higher-than-national violent crime rate for a metro this size.
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.
Where each city wins, and where it loses
The Victoria Real Estate Board publishes benchmarks by property type and no composite, so Victoria's headline is a single-family house in the Victoria Core, $1,311,000 CAD in July 2026, down 2.8% on the year. Austin's median sale price was $560,000 USD in August 2026 on Unlock MLS, down 4.3%, with Zillow's typical single-family value at $527,943. The currencies differ, so each is read against local pay: the Victoria house is 15.4 times the metro's 2020 median household income of $85,000 CAD, and Austin's single-family home about 5.8 times the city's 2024 median of $90,430 USD. At 20% down, Victoria's mortgage at 4.34% is $5,712 CAD a month over 25 years, and Austin's $448,000 loan at Freddie Mac's 7.03% of 24 September 2026 about $2,990 USD over 30. Property tax is $7,415 CAD a year in Victoria, 0.566% on the city's 2026 rate, against $9,019 USD on Austin's median, an effective 1.61% with a homestead and $11,460 without. With insurance at $185 CAD and $300 USD a month, the owners carry about $6,515 CAD and $4,041 USD, roughly 92% and 54% of local median income. A two-bedroom averaged $2,076 CAD in October 2025 and $1,812 USD in August 2026, and only British Columbia caps the rent increase on an existing tenancy.
Homicide is the only count that crosses the border intact, and Victoria is far lower on it. The Victoria metro recorded 4 homicide victims in 2025, 0.90 per 100,000, after 5, 5, 2 and 2 in the four years before; Austin recorded 51, about 5.1 per 100,000, after 66 in 2024, though APD's assistant chief put 2025 at 55 and nothing published explains the difference. Geography blurs even that: Victoria's figures cover a metro of 445,090 and Austin's a city of 1,002,632. The rest are different instruments. The Victoria metro's Crime Severity Index was 74.57 in 2025, just under the national 75.0; American cities have no equivalent. Victoria's violent rate of 1,542 per 100,000 counts every violent Criminal Code violation, common assault and uttering threats included; Austin's 421 is 4,221 offenses of murder, rape, robbery and aggravated assault in the FBI's Crime Data Explorer, divided by the Census estimate. Property crime comes out almost identical, 3,096 per 100,000 against 3,093, on definitions that differ, so the match means little. Victoria's index has moved sideways since 2021, while Austin's FBI-definition violent offenses fell 10% in 2025 and 21% in three years. The Austin counts were read on 27 September 2026 and can still be revised.
The two get almost the same precipitation, 901.2 mm a year at Victoria International against 921 mm at Camp Mabry. January averages 4.6 C at the airport and 5.8 C downtown at Gonzales, against 11.2 C in Austin; July averages 17.2 C in Victoria against 29.9 C in Austin, the second-warmest July mean of the fourteen cities this site compares, behind Dallas. Victoria gets a 38.6 cm snow normal and Austin 0.5 cm. Sunshine, on different vintages, is 2,108.8 hours against 2,644. Victoria sits on the Cascadia subduction zone and carries Canada's highest earthquake risk, and its summers bring wildfire smoke and watering restrictions. Austin's bring heat, 28.7 days a year at or above 100F (37.8 C) in the normals and 80 in 2023. Its creeks flood fast, and the Central Texas floods of July 2025 killed 139 people. Its rare hard freeze is dangerous: in February 2021 Winter Storm Uri and ERCOT's outages left more than 40% of Austin Energy's customers without power. Drought is the slow hazard, and the Highland Lakes that supply the city fell to 42% of storage in March 2024.
Both are capitals with a university at the center, and the Austin metro is nearly six times the size, 2,620,945 people against 445,090. Austin's unemployment rate was 3.7% in July 2026, seasonally adjusted, on 1,421,700 nonfarm jobs, up 1.7% on the year, with professional and business services the largest sector at 294,600 and government, the state capital and the University of Texas inside it, at 201,000. The Victoria metro's was 5.0% on the three-month average, up from 4.4% in June; its largest sectors in the 2021 census were health care with 29,750 workers, public administration with 27,780 and retail with 22,540. Median household income was $85,000 CAD for the Victoria metro in 2020, against $90,430 USD in Austin in 2024. The tax systems collect in opposite places. British Columbia takes income and sales tax: about $20,503 CAD on $100,000, 20.5% before CPP and EI, a top combined rate of 53.5% and 12% on purchases. Texas takes no income tax, so the same salary pays $13,449 USD in federal tax for 2025, the top rate is the federal 37% and sales tax is 8.25%. The property tax carries the load instead, 1.61% of value on Austin's median against 0.566% in Victoria.
Victoria has no rail and Austin one commuter line, and the difference is what each does around the bus. In the 2021 census 32.1% of City of Victoria commuters walked or cycled, the highest share of any Canadian city, and 11.1% took the bus; across the metro those shares fall to 15.3% and 7.7%, because most growth since 2016 has gone to Langford and the West Shore, 15 to 25 km out along a congested Highway 1. That census was taken in May 2021 and understates normal transit use. In Austin 4.1% of workers walked or cycled in 2024, 3.0% took transit, 57.5% drove alone and 24.8% worked from home. BC Transit publishes no verified systemwide total for Victoria; its busiest route, the 95 Blink RapidBus, carries more than 11,000 boardings a day. CapMetro carried 26,283,400 trips in 2025, 620,600 of them on the Red Line from Leander to downtown, and Project Connect's first 9.8 miles of light rail are due in 2033, counting on about $4.1 billion in federal money not yet awarded. Flying is not close: Austin-Bergstrom handled 21,666,852 passengers in 2025, against 1,986,057 at Victoria International, which is domestic-heavy and sends most international trips through Vancouver or Seattle.
In Victoria the bill for care is settled by British Columbia's Medical Services Plan, with no premium since 2020, and Island Health runs Royal Jubilee for cardiac and cancer referrals, Victoria General for trauma and pediatrics and Saanich Peninsula to the north. The problem there is attachment: family doctors are scarce enough that BC runs a central Health Connect Registry to place new patients. In Austin the problem is coverage. Care is bought through an employer or marketplace plan, Medicare or Medicaid, and Texas is one of the ten states that have not expanded Medicaid; it had the highest uninsured rate of the fifty states in 2024, 16.7%, with the City of Austin at 13.0%. Dell Seton Medical Center is the region's only adult Level I trauma center. No wait time figure was verified for either city. Greater Victoria runs three public school districts, with no charter schools anywhere in BC and French immersion seats drawn by lottery. Austin ISD counted 65,951 students in fall 2026, down 3,765 in a year, and its board approved closing and consolidating 10 schools from the 2026-27 school year. The University of Victoria teaches about 22,000 students; the University of Texas enrolled a record 55,000 in fall 2025.
What people underestimate is that in both regions the headline figures describe a core, and the growth is elsewhere. Victoria's benchmark is for the Victoria Core, the board's name for Victoria, Oak Bay, Esquimalt, View Royal and Saanich, while most of the metro's growth since 2016 has gone to Langford and the West Shore. Austin's tax figure describes an address inside the City and Austin ISD, while the metro grew 14.8% from 2020 to 2025 against the city's 4.6%, and in 2024-25 Travis County lost 6,590 more residents to the rest of the country than it gained. A household that settles where each region is actually growing will meet a different price, and in Austin a different stack of taxing units, from the ones above. The money has fine print on both sides. A BC buyer hands over $24,220 in property transfer tax on the benchmark house; Texas has no transfer tax, but the $9,019 assumes a filed homestead. Victoria's 4.34% renews after a five-year term, where Austin's 7.03%, about a third of a point above the August rate this site's other American cities were written at, holds for thirty years; at their 6.67% Austin's carry would be about $3,934.
Better here
- There were 4 homicide victims in the metro in 2025, 0.90 per 100,000, against 51 in Austin at about 5.1.
- In the 2021 census 32.1% of City of Victoria commuters walked or cycled, the highest share of any Canadian city, against 4.1% in Austin in 2024.
- July averages 17.2 C on the 1991-2020 normals, against 29.9 C in Austin, where the same normals count 28.7 days a year at or above 100F (37.8 C).
- The Medical Services Plan covers physician and hospital care with nothing due at the point of use and has charged no premium since 2020, where Texas had the highest uninsured rate of the fifty states in 2024, 16.7%.
- Property tax is 0.566% of value on the city's 2026 rate, $7,415 CAD a year on the benchmark house, against an effective 1.61% on Austin's median for the 2025 tax year.
- An existing tenancy is capped at 2.3% for 2026 under BC rules, while Texas forbids rent control by statute.
Worse here
- The benchmark house was 15.4 times the metro's 2020 median household income of $85,000 CAD in July 2026, against about 5.8 times for Austin's typical single-family home in August 2026.
- Mortgage, property tax and insurance come to about $6,515 CAD a month on the July 2026 benchmark, roughly 92% of that median, and a buyer pays $24,220 in property transfer tax at closing.
- Metro unemployment was 5.0% in July 2026 against 3.7% in the Austin metro, in a metro of 445,090 led by health care and the provincial government.
- Income tax on $100,000 is about $20,503 CAD for 2025 against $13,449 USD of federal tax in Austin, and sales tax is 12% against 8.25%.
- Family doctors are scarce enough that BC runs a central Health Connect Registry, and about 1.4 million British Columbians had no primary care provider in mid-2025.
- Victoria International handled 1,986,057 passengers in 2025 against Austin-Bergstrom's 21,666,852, and every mainland trip that is not a flight is a 95-minute ferry.
Choose Victoria if
- you want health coverage that stays with you between jobs
- you would rather walk or cycle to work inside a small core than drive across a large metro
- you plan to rent, or already hold housing equity, because 15.4 times median household income is not a salary purchase
- you want a July averaging 17.2 C and no summer planned around 100F days
The Victoria guide · Neighbourhoods · Victoria rent vs buy · Victoria mortgage calculator
Better here
- The typical single-family value of $527,943 USD in August 2026 is about 5.8 times the city's 2024 median household income, against 15.4 times for Victoria's benchmark house.
- Mortgage, property tax and insurance come to about $4,041 USD a month on the August 2026 median, roughly 54% of local median income against about 92% in Victoria, and Texas charges no transfer tax.
- Metro unemployment was 3.7% in July 2026 against 5.0% in the Victoria metro, on 1,421,700 nonfarm jobs growing 1.7% on the year.
- Texas levies no income tax, so $100,000 pays $13,449 USD in federal tax for 2025 and $13,170 for 2026, against about $20,503 CAD in Victoria.
- Austin-Bergstrom handled 21,666,852 passengers in 2025 against 1,986,057 at Victoria, with no ferry between the city and the rest of the continent.
- January averages 11.2 C on the 1991-2020 normals against 4.6 C at Victoria International, and Austin records 2,644 hours of sunshine a year on the 1961-1990 series.
Worse here
- There were 51 homicides in 2025, about 5.1 per 100,000, against 4 victims and 0.90 per 100,000 in the Victoria metro.
- Property tax on the median house is $9,019 a year for the 2025 tax year with a homestead, an effective 1.61%, and $11,460 without one, against 0.566% of value in Victoria.
- Only 4.1% of workers walked or cycled to work in 2024 and 3.0% took transit, against 32.1% and 11.1% in the City of Victoria in 2021.
- July averages 29.9 C, 2023 had 80 days at or above 100F (37.8 C), and the Central Texas floods of July 2025 killed 139 people.
- Texas had the highest uninsured rate of the fifty states in 2024, 16.7%, and in August 2026 was one of ten states that have not expanded Medicaid.
- Austin ISD counted 65,951 students in fall 2026, down 3,765 in a year, after its board approved closing and consolidating 10 schools in November 2025.
Choose Austin if
- you want to own a house on one or two salaries rather than on equity you already hold
- you want a metro of 2.6 million where technology, chip making, state government and the University of Texas hire at 3.7% unemployment
- you fly often and want nonstop reach without a ferry or a connection through Vancouver
- you have employer health insurance you trust and will drive to most things
The Austin guide · Neighborhoods · Austin rent vs buy · Austin mortgage calculator
Victoria or Austin, in short
Is Victoria or Austin cheaper to live in?
Austin, and not narrowly, once each bill is read against its own city's pay, because the currencies do not convert here. A Victoria owner pays about $6,515 CAD a month on mortgage, property tax and insurance for the benchmark single-family house, roughly 92% of the metro's 2020 median household income of $85,000 CAD. An Austin owner pays about $4,041 USD on the median sale, roughly 54% of the city's 2024 median of $90,430 USD, even at 7.03% against 4.34% and with a property tax bill of $9,019 a year. A BC buyer also pays $24,220 in property transfer tax on the benchmark, and a Texas buyer pays none. Renting is closer: a two-bedroom averaged $2,076 CAD in October 2025 against $1,812 USD in August 2026. Income and sales taxes favor Austin, $13,449 USD against about $20,503 CAD on $100,000 and 8.25% against 12%, though Victoria's taxes pay for health care.
Is Victoria or Austin safer?
Victoria, by a wide margin on homicide, the only count that crosses the border intact: 4 victims in the Victoria metro in 2025, 0.90 per 100,000, against 51 in Austin, about 5.1 per 100,000. The other rates measure different things. Victoria's violent rate of 1,542 per 100,000 counts every violent Criminal Code violation, common assault and uttering threats included, while Austin's 421 is murder, rape, robbery and aggravated assault on the FBI's definitions. Property crime lands at almost the same number, 3,096 per 100,000 against 3,093, on definitions that differ. Victoria's metro Crime Severity Index was 74.57 in 2025, just under the national 75.0, and has moved sideways since 2021, while Austin's FBI-definition violent offenses fell 10% in 2025. A metro rate also misses the street homelessness and open drug use around Pandora Avenue in downtown Victoria.
Which has the better climate, Victoria or Austin?
Victoria, unless a warm winter matters more to you than a mild summer. January averages 4.6 C at Victoria International and 11.2 C in Austin, but July is 17.2 C in Victoria against 29.9 C in Austin, where the normals count 28.7 days a year at or above 100F (37.8 C) and 2023 had 80. Precipitation is nearly equal, 901.2 mm against 921 mm, and Victoria gets more snow, a 38.6 cm normal against 0.5 cm. Sunshine is measured on different vintages, 2,108.8 hours for Victoria on the 1981-2010 normals and 2,644 for Austin on the 1961-1990 series. Victoria's hazards are Cascadia earthquake risk, summer wildfire smoke and watering restrictions; Austin's are heat, flash floods on its creeks, drought on the Highland Lakes and the rare hard freeze, like February 2021, when ERCOT cut power across the state grid.
What happens to my health care if I move from Victoria to Austin?
It stops being a public plan and becomes a purchase. In Victoria the Medical Services Plan pays for physician and hospital care with nothing due at the point of use and no premium since 2020, Island Health runs the hospitals, and the problem is finding a family doctor, which is why BC keeps a central registry. In Austin you need an employer or marketplace plan, Medicare or Medicaid, and the premium, deductible and copay that come with them. Texas is one of the ten states that have not expanded Medicaid and had the highest uninsured rate of the fifty states in 2024, 16.7%; the City of Austin's was 13.0%. Dell Seton Medical Center is the region's only adult Level I trauma center, with St. David's and Baylor Scott & White alongside. No wait time figure was verified for either city.
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.
- Population and dwelling counts: Canada, provinces and territories, census divisions and census subdivisions (table 98-10-0002-01) · Statistics Canada · retrieved Supports: City population, Five-year growth
- Population and dwelling counts: Census metropolitan areas, census agglomerations and census subdivisions (table 98-10-0003-01) · Statistics Canada · retrieved Supports: population.metro (2021 census count), population.growthPct5y (CMA comparison)
- Population estimates, July 1, by census metropolitan area and census agglomeration (table 17-10-0148-01) · Statistics Canada · retrieved Supports: Metro population
- Crime severity index and weighted clearance rates, police services in census metropolitan areas (table 35-10-0026-01) · Statistics Canada · retrieved Supports: Crime Severity Index, Crime trend
- Incident-based crime statistics, by detailed violations, police services in census metropolitan areas (table 35-10-0177-01) · Statistics Canada · retrieved Supports: Violent crime rate, Property crime rate, Crime trend
- Number and rate of homicide victims, by census metropolitan areas (table 35-10-0071-01) · Statistics Canada · retrieved Supports: Homicides
- Canadian Climate Normals 1991-2020, Victoria Int'l A (climate ID 1018620) · Environment and Climate Change Canada · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall
- Canadian Climate Normals 1991-2020, Victoria Gonzales (climate ID 1018610) · Environment and Climate Change Canada · retrieved Supports: climate.note (downtown comparison)
- Canadian Climate Normals 1981-2010, Victoria Int'l A · Environment and Climate Change Canada · retrieved Supports: Sunshine hours
- Household income statistics by dwelling and household characteristics: census metropolitan areas (table 98-10-0061-01) · Statistics Canada · retrieved Supports: Median household income
- Household income statistics by household type: census subdivisions (table 98-10-0057-01) · Statistics Canada · retrieved Supports: economy.medianHouseholdIncome (city figure in note)
- Labour force characteristics, three-month moving average, by census metropolitan area, seasonally adjusted (table 14-10-0459-01) · Statistics Canada · retrieved Supports: Unemployment rate
- Greater Victoria Metropolitan Region Socio-Economic Profile 2025 · South Island Prosperity Partnership · retrieved Supports: Main sectors, Labour market
- Personal income tax rates · Province of British Columbia · retrieved Supports: Top marginal income tax
- Provincial sales tax (PST) · Province of British Columbia · retrieved Supports: Sales tax
- 2025 personal tax rates, British Columbia (combined federal and provincial) · EY Canada · retrieved Supports: Income tax on $100,000, Top marginal income tax
- Main mode of commuting by commuting duration, time leaving for work, age and gender: census metropolitan areas (table 98-10-0457-01) · Statistics Canada · retrieved Supports: Transit commute share, Walk and cycle commute share
- Main mode of commuting by commuting duration, time leaving for work, age and gender: census subdivisions (table 98-10-0458-01) · Statistics Canada · retrieved Supports: transit.transitModeSharePct (city), transit.walkBikeModeSharePct (city)
- Year in review: a successful 2025 for BC Transit · BC Transit · retrieved Supports: Transit ridership
- 2026/27 Annual Service Plan, Victoria Regional Transit Commission report #14 · BC Transit · retrieved Supports: Transit ridership
- 2025 Annual Report · Victoria Airport Authority · retrieved Supports: Airport passengers
- The sky's the limit: Victoria airport has high hopes for year ahead · Victoria News · retrieved Supports: transit.airport (exact passenger count 1,986,057)
- Hospitals and health centre locations · Island Health · retrieved Supports: Health care
- 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
- 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
- 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
- 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
- Austin's crime dropped below pre-pandemic highs in 2025 · KUT Radio, Austin's NPR Station · retrieved Supports: Homicides, Crime trend
- 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
- US Climate Normals 1991-2020, station USW00013904 Austin-Bergstrom International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals
- 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
- Global Historical Climatology Network daily summaries, Austin-Bergstrom International Airport (USW00013904), February 2021 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours
- This Holiday Weekend Marks The 40th Anniversary Of Austin's 1981 Memorial Day Flood · KUT Radio, Austin's NPR Station · retrieved Supports: Climate hazards
- October 30-31, 2013 Halloween Flash Flood Event · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Lower Onion Creek Flood Mitigation Buyout Project Gets Kudos from Homeowners · FEMA · retrieved Supports: Climate hazards
- 2015 Memorial Day Weekend Flooding, 23 to 24 May 2015 (Weather Event Summary) · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Tornado outbreak and floods of May 23 to 26, 2015 (Wimberley homes destroyed, Shoal Creek on May 25) · Wikipedia · retrieved Supports: Climate hazards
- National Weather Service releases new report on deadly Central Texas floods · KXAN Austin (via Yahoo News) · retrieved Supports: Climate hazards
- 2021 Winter Storm Uri After-Action Review, Findings Report · City of Austin and Travis County · retrieved Supports: Climate hazards
- February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved Supports: Climate hazards
- The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved Supports: Climate hazards
- Highland Lakes and Colorado River · Lower Colorado River Authority · retrieved Supports: Climate hazards
- Most LCRA agricultural customers will go without Highland Lakes water in 2024 · Lower Colorado River Authority · retrieved Supports: Climate hazards
- Drought persists in Central Texas, Water Management Plan under review · Community Impact · retrieved Supports: Climate hazards
- Water Supply Operations · Lower Colorado River Authority · retrieved Supports: Climate hazards
- 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
- 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
- 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
- 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
- Austin Area Economic Summary · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate, Main sectors, Labour market
- Major Employers · Opportunity Austin (Austin Chamber of Commerce) · retrieved Supports: Main sectors, Labour market, Health care
- City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Transit Sales and Use Tax (Austin MTA, effective July 1, 1985) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Texas Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved Supports: Tax notes
- Voters OK property tax breaks for Texas homeowners, businesses · The Texas Tribune · retrieved Supports: Tax notes
- Austin voters reject Proposition Q, a tax rate increase to fund city services · KUT Radio, Austin's NPR Station · retrieved Supports: Tax notes
- CapMetro (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit system, Transit ridership, Character
- CapMetro Rail (Red Line: Leander to Downtown, 32 miles, 10 stations) · Wikipedia · retrieved Supports: Transit system
- 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
- How Austin's Project Connect went off the rails · The Texas Tribune · retrieved Supports: Transit ridership, Character
- Aviation Activity Report, Calendar Year 2025 vs 2024, Combined Terminals · Austin-Bergstrom International Airport · retrieved Supports: Airport passengers
- Austin-Bergstrom International Airport (annual passenger traffic table and history) · Wikipedia · retrieved Supports: Airport passengers
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- Dell Seton Medical Center · Wikipedia · retrieved Supports: Health care
- Dell Seton Medical Center at The University of Texas · Ascension Seton · retrieved Supports: Health care
- About St. David's HealthCare · St. David's HealthCare · retrieved Supports: Health care
- Building World-Class Health Care in Austin · Michael & Susan Dell Foundation · retrieved Supports: Health care
- Austin ISD Board approves 24 state-mandated turnaround plans, school consolidation and programmatic reassignments · Austin Independent School District · retrieved Supports: Education
- District Demographics · Austin Independent School District · retrieved Supports: Education
- Austin ISD enrollment dips as transportation costs rise · Austin Current · retrieved Supports: Education, Character
- Austin ISD loses 3,000 students amid school closures and budget crisis · KUT Radio, Austin's NPR Station · retrieved Supports: Education, Character
- UT Sets All-Time Highs for Enrollment and Student Performance · UT News, The University of Texas at Austin · retrieved Supports: Education
- July 2026 statistics: Victoria Real Estate Board monthly news release · Victoria Real Estate Board · retrieved Supports: Victoria Core single-family benchmark of $1,311,000, down 2.8% year over year, Victoria Core condominium benchmark of $548,600, down 2.2% year over year, Victoria Core townhouse benchmark of $857,300, 673 sales and 3,847 active listings board-wide in July 2026
- Rental Market Survey: Victoria (CY), average rent by bedroom type, October 2025 · Canada Mortgage and Housing Corporation · retrieved Supports: One-bedroom average rent of $1,594, Two-bedroom average rent of $2,076, Three-bedroom-plus average rent of $3,035, Victoria CMA vacancy rate of 3.3%
- 2026 Property Tax Mill Rate · City of Victoria · retrieved Supports: 2026 Class 1 residential total rate of $5.6559 per $1,000 of taxable value, Municipal residential rate of $3.7229, of which $1.3782 is police, Additional school tax of 0.2000 above $3 million and 0.4000 above $4 million
- Home owner grant · Province of British Columbia · retrieved Supports: The grant of up to $770 on an eligible principal residence outside the northern and rural area
- Premium information for homeowner and small rental loans · Canada Mortgage and Housing Corporation · retrieved Supports: Mortgage default insurance premium rates by loan-to-value
- Regulations amending the Insurable Housing Loan Regulations and the Eligible Mortgage Loan Regulations (SOR/2025-55) · Canada Gazette, Part II · retrieved Supports: The $1.5 million insured price cap, 30-year amortization for first-time buyers and new builds
- Minimum qualifying rate for uninsured mortgages · Office of the Superintendent of Financial Institutions · retrieved Supports: The qualifying rate of the contract rate plus two points, or 5.25%
- Interest rates charged for new and existing lending by chartered banks · Bank of Canada · retrieved Supports: The default mortgage rate of 4.34%, uninsured five-year-plus fixed, funds advanced May 2026
- Property transfer tax · Province of British Columbia · retrieved Supports: Transfer tax brackets, First-time buyer and new build exemptions
- Rent increases · Province of British Columbia · retrieved Supports: 2026 rent increase guideline of 2.3%
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
- 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
- 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
- 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
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average Austin renters premium of $136 a year for $30,000 of personal property
- 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
- 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
- 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
- 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
- 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
- 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