San Marcos, TX vs. Round Rock, TX: Cost of Living Comparison (2025)
This article provides a cost of living comparison between San Marcos and Round Rock, Texas. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real cost of living in San Marcos vs Round Rock in 2025.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical rent and mortgage costs compare:
| Housing Type | San Marcos | Round Rock |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,450 | $1,650 |
| 3BR House (Median Price) | $350,000 | $425,000 |
🏆 Winner: San Marcos has a clear edge on housing affordability, with lower rent and home prices compared to Round Rock.
Utilities and Energy Costs
Utility bills are another key monthly expense. San Marcos and Round Rock have similar climates, so seasonal costs are comparable:
- Typical summer electric bill: $120-$180
- Winter gas heating: $40-$80
- Water, sewer, trash: $60-$100
Both cities offer “time of use” electric plans to help manage summer A/C costs.
🏆 Winner: It’s a tie. Utility costs are nearly identical between San Marcos and Round Rock.
Groceries and Daily Expenses
Food, gas, and everyday items are essential budget factors. Prices are similar in both cities:
- Gallon of milk: $3.50
- Loaf of bread: $2.75
- Gallon of gas: $2.90
Restaurant prices are comparable, though San Marcos has more affordable local spots while Round Rock offers pricier chain options.
🏆 Winner: San Marcos has a slight edge for cheaper casual dining, but grocery staples cost about the same.
Taxes and Fees
Don’t overlook taxes and service fees in your budget:
- Property tax rate: 2.2% in San Marcos, 2.4% in Round Rock
- Typical HOA fees: $200-400/month (often includes lawn care and amenities)
- Vehicle registration: $75 annually
🏆 Winner: San Marcos. The lower property tax rate can save homeowners hundreds per year.
Cost of Living Summary
| Category | San Marcos | Round Rock |
|---|---|---|
| Housing (3BR home) | $2,300 | $2,800 |
| Utilities | $250 | $250 |
| Groceries | $500 | $550 |
| Transportation | $300 | $350 |
| Taxes and Fees | $600 | $700 |
| Misc Expenses | $400 | $450 |
| Estimated Monthly Total | $4,350 | $5,100 |
These figures reflect gross monthly income (pre-tax) needed to maintain an equivalent standard of living.
Lifestyle Fit
Cost is just one factor in choosing where to live. Also consider:
- Commute times are 10-15 minutes longer in Round Rock due to traffic
- San Marcos offers more green space and a charming downtown square
- Round Rock averages 1-2°F warmer than San Marcos in summer
Frequently Asked Questions
- Is San Marcos more affordable than Round Rock? Yes, San Marcos has lower housing, food, and tax costs, making it 10-15% cheaper overall.
- Which city has lower rent? Typical rent is $200/month less in San Marcos.
- Where is it cheaper to buy a home? San Marcos home prices are about 15% lower than Round Rock.
Conclusion
While both cities share many similarities, San Marcos comes out ahead on overall affordability. Families looking to stretch their budget will appreciate the lower housing, dining, and tax costs San Marcos offers. However, Round Rock remains appealing for those prioritizing newer amenities and a slightly shorter drive to Austin.
Budgeting for a move? Check out these Monthly Budget Examples for San Marcos Residents. Or dive deeper with our full Cost of Living in San Marcos (2025 Guide).