Cost of Living in Texas

The cost of living in Texas is 8% lower than the national average
Cost of Living in Texas Compared to National Average
Housing (Buy and Rent) 19% lower
Utilities (Monthly) 4% higher
Food 5% lower
Healthcare 2% lower
Transportation 4% lower
Goods & Services 4% lower
Summary

The cost of living in Texas is 8% lower than the national average. Housing is 19% lower than the national average, while utilities are 4% higher. When it comes to basic necessities such as food and clothing, groceries are around 5% lower than in the rest of the country, while clothing costs 4% lower.

Healthcare services such as doctor check-ups and dentistry cost 2% lower in Texas compared to the national average. At the same time, non-necessary expenses such as entertainment and grooming services are 4% lower.

The Cost of Living in Texas Largest Cities Compared to the National Average

This is how much pricier or cheaper it is to live in Texas’s 12 largest cities compared to the national average.
The cost of living in Texas varies depending on the city you live in. The priciest city in Texas is Plano, where the cost of living is 18% higher compared to the state average and 9% higher than in the rest of the U.S. The cheapest major city in Texas is Harlingen, with a cost of living 12% lower below the state average and 19% lower than the national average.
City, State Compared to State Average Compared to National Average
Plano, TX 18% higher 9% higher
Gainesville City, TX 15% higher 6% higher
Hutto, TX 13% higher 4% higher
Dallas, TX 9% higher 0%
San Angelo, TX 6% higher 2% lower
Denton, TX 6% higher 2% lower
McKinney, TX 6% higher 2% lower
Arlington, TX 5% higher 3% lower
Midland, TX 5% higher 3% lower
Fort Worth, TX 5% higher 3% lower
Austin, TX 4% higher 4% lower
Lufkin, TX 4% higher 4% lower
Cedar Park, TX 2% higher 5% lower
Allen, TX 2% higher 6% lower
Houston, TX 2% higher 6% lower
Round Rock, TX 1% higher 7% lower
Tyler, TX 1% higher 7% lower
Longview, TX 1% higher 7% lower
Odessa, TX 0% 7% lower
Beaumont, TX 0% 8% lower
Sherman, TX 1% lower 8% lower
San Antonio, TX 1% lower 8% lower
Lubbock, TX 1% lower 9% lower
Alvin, TX 1% lower 9% lower
Waco, TX 2% lower 9% lower
Texarkana, TX 2% lower 9% lower
Seguin, TX 2% lower 10% lower
Wichita Falls, TX 2% lower 10% lower
Paris, TX 3% lower 10% lower
Nacogdoches, TX 3% lower 10% lower
Belton, TX 3% lower 10% lower
Abilene, TX 3% lower 10% lower
Conroe, TX 3% lower 10% lower
Athens, TX 4% lower 11% lower
El Paso, TX 4% lower 12% lower
San Marcos, TX 5% lower 12% lower
Corpus Christi, TX 5% lower 12% lower
Temple, TX 5% lower 12% lower
Weatherford, TX 5% lower 12% lower
Brownsville, TX 7% lower 14% lower
McAllen, TX 10% lower 16% lower
Amarillo, TX 10% lower 17% lower
Harlingen, TX 12% lower 19% lower
What is a cost of living calculator?

The cost of living calculator tells you how much money you need to maintain your current standard of living in a different city. The cost of living comparison is based on your income and the price of basic necessities such as housing, transportation or food in the two cities you selected. Use the calculator to find out what income you will need in a new city and how much more or less you’ll need to budget for basic expenses.

Where does the data come from?

Consumer goods, services and home prices are sourced from The Cost of Living Index published by the Council for Community and Economic Research (C2ER).
The data on this page is updated bi-annually and it was last published in March 2026.

Average rent data is our in-house proprietary data from Yardi Matrix, where available. For the remaining locations, C2ER rent data was used. Yardi Matrix is a business development and asset management tool for brokers, sponsors, banks and equity sources underwriting investments in the multifamily, office, industrial and self-storage sectors, a division of Yardi Systems, Inc.

Household income data is sourced from the U.S. Census Bureau’s most recent estimates.