Is Minneapolis, MN or San Antonio, TX cheaper on a $120,000 salary?

San Antonio, TX leaves you more: $15,187/yr. On $120,000, Minneapolis, MN leaves $61,214/yr in pocket (state tax $9,420, housing $19,786) vs San Antonio, TX's $76,401 (state tax $0, housing $14,019).

The gap is driven mostly by state income tax (Minnesota: 7.85% vs Texas: 0%) and housing.

WhereCanIAfford › Take-home › Minneapolis, MN vs San Antonio, TX

Minneapolis, MN vs San Antonio, TX: cost of living on $120,000

San Antonio, TX +$15,187/yr On $120,000, Minneapolis, MN leaves $61,214/yr in pocket vs San Antonio, TX's $76,401 — after state income tax and housing.

Where the money goes

On $120,000	Minneapolis, MN	San Antonio, TX
Federal + FICA (est.)	$29,580	$29,580
State income tax	$9,420 (7.85%)	$0 (0%)
After-tax income	$81,000	$90,420
− Housing/yr (Zillow)	$19,786	$14,019
Real money in pocket	$61,214	$76,401

Verified 2026-08-07 · State tax: Tax Foundation, “State Individual Income Tax Rates and Brackets, 2025” + state revenue departments. Modeled as an effective planning rate for a typical $80k–$160k filer — not a full bracket engine. · Housing from Zillow ZHVI 2026-06.

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FAQ

Is Minneapolis, MN or San Antonio, TX cheaper?: On $120,000, San Antonio, TX — by $15,187/yr in real take-home.
What's the biggest driver?: State income tax (Minnesota 7.85% vs Texas 0%) and housing cost.

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