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Put annually: $41,600 gross, and the low cost of living here is the only reason it works. Here's what actually lands in the account, and what it buys locally.
$20.00 an hour is $41,600 a year gross at 40 hours a week. After federal tax, Social Security and Medicare you keep $35,606, which is $2,967 a month or $1,369 every two weeks. Against San Antonio prices running 5.3% below the national average, that spends like $37,598 would somewhere average.
$20.00 an hour is $41,600 a year, and San Antonio runs 5.3% under the national average on prices. That gap doesn't get talked about much and it's felt every month.
So here it is properly, with the tax taken out.
Everything here assumes 40 hours a week for 52 weeks, which is 2,080 hours a year with no unpaid time off. If your hours get cut, or the schedule dips in a slow month, scale it down from here. Single filer, standard deduction, 2026 brackets.
| Line | Amount |
|---|---|
| Gross pay (2,080 hours) | $41,600 |
| Federal income tax | −$2,812 |
| Social Security and Medicare | −$3,182 |
| Texas state income tax | $0 |
| Take-home pay | $35,606 |
| Take-home a month | $2,967 |
| Take-home every two weeks | $1,369 |
| Take-home a week | $685 |
| Take-home an hour | $17.12 |
| Adjusted for San Antonio prices (5.3% below average) | $37,598 |
Tax takes $5,994 of that $41,600, or 14% of it. What's left is $35,606 a year, which is $2,967 a month, $1,369 every two weeks, or $685 a week.
Put another way, your $20.00 an hour is really $17.12 an hour once withholding is done. That's the number to use when you're deciding whether an extra shift is worth it.
That last row is the one nobody shows you. The federal government scores every metro against a national average of 100, and San Antonio scores 94.7. Living here hands you back roughly $2,000 a year of buying power you wouldn't have somewhere average.
Texas's zero income tax is real money. It just isn't enough money.
Texas charges no personal income tax, worth roughly $1,300 a year at this wage compared with a typical taxing state.
Which helps. It's also outweighed roughly 1.6 to one by what everything costs once you're here.
A one-bedroom at San Antonio's fair market rent runs $1,177 a month, $1,426 for a two-bedroom. Against take-home of $2,967 a month, the one-bedroom eats 40% of it.
That's over the 30% line, which puts you in what housing researchers call cost-burdened. It leaves $1,790 a month for food, transport, insurance, and anything you might want to save.
The headline figure averages over things that behave differently. In San Antonio the spread runs from everything else, 4% below the national average, down to utilities at 18% below it.
Worth knowing which of those matters to you. Someone renting a small place and eating out often has a very different experience of this city than someone with a mortgage and a big grocery bill.
San Antonio peaked in 2016 at 98.3 and has been coming back down since. It now sits 3.6 index points below that high.
That matters more than it sounds. Anyone quoting you a San Antonio cost-of-living figure from a few years ago is quoting the peak, and the peak is not where things are.
For what it's worth, San Antonio has not been more expensive than the national average in a single year of this series.
Reversed, it's good news: $18.94 an hour here matches $20.00 an hour in an average-priced city.
And here's the rent version of the same sum. A one-bedroom at $1,177 a month sits at 30% of take-home only once you're earning about $26.87 an hour, which is $6.87 an hour more than you're on. Full time, that gap is $14,281 a year.
| Metro | Price level100 = US avg | Take-home a month | Real value a year |
|---|---|---|---|
| San Antonio, TX | 94.7 | $2,967 | $37,598 |
| Oklahoma City, OK | 90.4 | $2,857 | $37,919 |
| St. Louis, MO | 95.1 | $2,882 | $36,370 |
| Atlanta, GA | 100.1 | $2,857 | $34,244 |
Your pay, your two cities, real federal price data. It takes about fifteen seconds.
Compare my citiesIt's tight. $20.00 an hour in San Antonio holds $37,598 of real purchasing power once tax and local prices have both taken their turn, so roughly $4,000 a year is gone before you buy anything.
Nearly all of that is tax rather than San Antonio. Local prices are already working for you here, which is why this reads as tight rather than worse.
Send the whole thing to your inbox so you can come back to it, or forward it to whoever you're deciding this with. We'll also tell you in January when the 2027 tax brackets and federal price data land and every number here changes.
The breakdown, then about one email a year. No sales pitch, unsubscribe any time.Gross, it's $41,600 a year at 40 hours a week for 52 weeks. After federal income tax, Social Security and Medicare, you keep about $35,606. That's a single filer taking the standard deduction under 2026 rates.
About $2,967 a month in San Antonio, which is $1,369 on a biweekly schedule or $685 a week. Your actual check depends on hours worked, benefit deductions and what you claimed on your W-4.
In San Antonio it comes to $35,606 of take-home against a price level of 94.7, where 100 is the national average. That's the same buying power as $37,598 somewhere average. Local prices hand you back roughly $2,000 a year of buying power you wouldn't have somewhere average.
At the standard 30% of take-home, $890 a month. A one-bedroom at San Antonio's fair market rent is $1,177, which is 40% of your monthly take-home, so you'd be over the line by $287 a month. Fair market rent is HUD's 40th-percentile figure including utilities, so it reads as the realistic floor rather than a typical listing.
Price levels are Regional Price Parities from the US Bureau of Economic Analysis, the federal government's official measure of geographic price differences. Rent is HUD fair market rent for fiscal year 2026. Tax figures are 2026 federal brackets and Texas state rates. The data vintage is shown on every page.