San Antonio and New Braunfels residents aren’t stressing about stretching their holiday spending this year, according to a new report from WalletHub.

Alamo City gift givers are expected to spend $930 on their festive presents, says WalletHub’s 2025 “Holiday Budgets by City” report. San Antonio also ranked the 475th in the report’s rankings of U.S. cities with the largest holiday budgets in 2025.

To determine the U.S. cities with the biggest holiday budgets, WalletHub’s experts compared 558 cities across five categories: Income, age, a debt-to-income ratio, residents’ monthly income-to-monthly expenses ratio, and their savings-to-monthly expenses ratio.

According to the study’s methodology, a consumer is considered to be in a “comfortable financial position to engage in holiday spending if they have: 1) enough emergency savings to cover at least six months of expenses and 2) a debt-to-income ratio smaller than 22 percent for a renter or 43 percent for a homeowner.”

The three U.S. cities that boast the loftiest holiday budgets are Palo Alto, California (No. 1); Mountain View, California (No. 2); and Newton, Massachusetts (No. 3). Palo Alto residents are expected to spend nearly $4,500 on their Christmas gifts this year, with the latter cities budgeting for $4,266 and $4,069, respectively.

San Antonio’s current holiday budget is just $46 higher than it was in 2024, and it’s also higher than the $844 projected budget from the 2023 report.

Residents living in San Antonio’s festive neighbor New Braunfels are expected to spend $1,483 on their holiday gifts this year, or $265 more than last year. According to WalletHub’s ranking, the suburb has the 219th largest holiday budget in the nation in 2025.

Regardless of the dollar amount, San Antonians should pay attention to their spending and pick a budget that works for their financial situation, experts say. The National Retail Federation expects holiday sales to surpass $1 trillion this year, and the report warns credit card debt is a major challenge faced by many Americans as they plan their holiday shopping sprees.

“The holidays bring plenty of joy, but they can also spark seasonal stress, much of it tied to overspending,” the report’s author wrote. “In Q3 2025, the average household carried $10,227 in credit card debt, up 2.3 percent from the year before, according to WalletHub data. Adding holiday shopping on top of that can quickly increase the financial strain, especially if balances roll into the new year.”

Other Texas cities that ranked among the top 100 biggest holiday spenders include:

  • No. 4 – Flower Mound ($3,941)
  • No. 12 – Frisco ($3,491)
  • No. 19 – Pearland ($3,277)
  • No. 20 – The Woodlands ($3,265)
  • No. 22 – Sugar Land ($3,191)
  • No. 28 – Allen ($3,055)
  • No. 31 – Cedar Park ($3,028)
  • No. 34 – League City ($2,997)
  • No. 40 – Plano ($2,812)
  • No. 47 – Round Rock ($2,641)
  • No. 55 – McKinney ($2,502)
  • No. 56 – Carrollton ($2,498)
  • No. 82 – Richardson ($2,146)
  • No. 96 – North Richland Hills ($1,985)