Retiring in San Antonio, TX: What You Need to Know
San Antonio is arguably the best major city in Texas for FIRE. While Austin and Dallas have seen explosive cost increases, San Antonio has stayed relatively affordable — median home prices are 30–40% below Austin's. Combined with zero state income tax, this means a FIRE number of just $1.05M. The military presence (four major bases) creates a large community familiar with pensions and early retirement, making it culturally comfortable for FIRE retirees. Healthcare access is excellent thanks to the military medical infrastructure and UT Health San Antonio.
What Does $1,050,000 Get You in San Antonio, TX?
With a FIRE number of $1,050,000, you can safely withdraw $42,000 per year ($3,500/month) to cover living expenses in San Antonio, TX. This follows the 4% rule — the widely-used benchmark that says a diversified portfolio can sustain a 4% annual withdrawal rate indefinitely.
How to Reach FIRE for San Antonio, TX
- Know your real expenses. The $42,000 average may not match your lifestyle. Track every dollar for 3 months to get your true number.
- Optimize for local taxes. State income tax, property tax, and sales tax vary enormously and directly impact how much you need.
- Factor in healthcare. If retiring before 65, budget $400–$800/month for ACA marketplace insurance in San Antonio, TX.
- Run your own numbers. Use the FIRE calculator to enter your actual income, spending, and investments for a personalized timeline.