San Antonio vs Memphis for Nurses (2026)
Scroll down for travel nurse analysis, rent burden, and FAQ.
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Estimated annual swing
−$369/yr
Favoring Memphis for this income & household (illustrative).
With an extra $31/mo in Memphis, you could max a Roth IRA contribution faster and still grow your savings buffer.
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High-yield savings
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Even $31/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Travel nursing edge
Memphis: maximize take-home on your next contract
Travel nurses in Memphis often keep more after housing stipends with no state income tax.
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New state — compare rates before you sign
Moving to Memphis resets your insurance profile. Bundling home + auto often saves 15–25%.
Nurse salary cost breakdown
| Metric | San Antonio Texas | Memphis Tennessee | Your impact |
|---|---|---|---|
| State income tax | NoneBetter | None | — |
| Est. monthly take-home ($82.75K RN) | $6,896Better | $6,896 | — |
| 1BR rent / month | $1,100Better | $1,100 | — |
| 1BR rent burden | 16%Better | 16% | — |
| Internet / month | $60 | $55Better | — |
| Monthly utilities | $175 | $170Better | — |
| Walk score | 36 / 100Better | 31 / 100 | — |
| Overall COL index (100 = US avg) | 87 | 83Better | — |
Your biggest money opportunities based on this comparison.
Savings potential
Memphis: ~$5,132/mo after rent & living
Nurses with strong take-home can build wealth fast. Compare brokers and robo-advisors to put it to work.
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Mortgages
See what you can afford in Memphis
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Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Memphis homeowners + auto quotes before your move date.
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Frequently asked questions
Which city is better for nurses — San Antonio or Memphis?
For nurses, San Antonio is the stronger choice based on take-home pay after taxes, rent burden, and cost of living. The key differentiator is rent: Memphis has lower 1BR rents. For travel nurses specifically, no-income-tax states are especially valuable since housing stipends are already tax-exempt — earning more in a no-tax state can be worth $3,000–$6,000/year more in take-home pay.
How much take-home pay does a nurse earn in San Antonio vs Memphis?
Based on the national average RN salary of $82,750/year, a nurse in San Antonio (no state income tax) takes home approximately $6,896/month. In Memphis (no state income tax), take-home is $6,896/month — a difference of $0/month or ~$0/year. Note: this calculation uses state income tax only; federal taxes are not included.
What percentage of a nurse's income goes to rent in San Antonio vs Memphis?
Financial advisors recommend keeping housing under 30% of gross income. In San Antonio, rent consumes 16% of a nurse's monthly take-home — very affordable, leaving significant room to save. In Memphis, rent burden is 16% — very affordable.
Is San Antonio or Memphis better for travel nurses?
Travel nurses on assignment typically receive a base wage PLUS a tax-free housing stipend (usually $1,500–$3,000/month) that covers housing costs. For travel nurses, the state income tax on the base wage is the primary cost difference. San Antonio is more advantageous. The housing stipend covers most rent — so the $0/month tax difference goes directly into savings, compounding over a 13-week assignment to $0 extra in take-home.
How does the cost of living affect a nurse's purchasing power in San Antonio vs Memphis?
A $82,750 nurse salary in Memphis (COL 83) has the equivalent purchasing power of $86,738 in San Antonio (COL 87). The lower-cost city effectively gives nurses a ~5% raise with no salary negotiation required — more savings, faster debt payoff, and greater financial flexibility.
Nurse salary based on national median RN wage ($82,750/year, BLS 2024). Take-home calculated using state income tax rate only; federal taxes not included. Travel nurse stipend rules vary by assignment and employer. Data: BLS, Zillow, Tax Foundation · Q1 2026