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Cost of Living in
Texas

Living cost is 7.9% lower than avg
Families spend upto $8,203/mo on avg
Homeowners spend $7,811/mo on avg
Renters spend $4,394/mo on avg

Cost of Living in
Texas

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A Breakdown of the Cost of Living in Texas

U.S. Avg.

Texas

Difference Diff

Home Price

$532,491

$424,401.68

20%

Apartment Rent (per month)

$1,367

$1,334.05

U.S. Avg.

Texas

Difference Diff

Phone (per month)

$219.4

$200.17

Total Energy (per month)

$200.23

$229.46

15%

U.S. Avg.

Texas

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$5.28

22%

Frozen Corn (per bag)

$2.41

$2.11

12%

Frozen Meal (per package)

$4.85

$3.54

27%

Cooking Oil (per bottle)

$6.16

$8.63

40%

Detergent (per bottle)

$19.51

$21.36

Facial Tissues (per box)

$2.85

$2.19

23%

Sweet Peas (per can)

$1.83

$1.63

11%

Sugar (per bag)

$4.66

$4.72

Bread (per loaf)

$3.87

$3.95

Frying Chicken (per lb)

$1.64

$1.44

12%

Meat & Poultry

Chicken (per lb)

$1.71

$1.5

12%

Steak (per lb)

$14.54

$16.15

11%

Sausage (per lb)

$5.23

$4.78

Ground Beef (per lb)

$8.61

$7.76

10%

Snacks & Beverages

Soft Drink (per bottle)

$3.45

13%

Potato Chips (per bag)

$5.54

$4.24

23%

Coffee (per lb)

$6.55

$6.48

Fresh Orange Juice (per half gallon)

$5.22

$4.96

Fruits & Vegetables

Peaches (per can)

$4.40

$2.69

39%

Lettuce (per head)

$1.98

$1.81

Bananas (per lb)

$0.64

$0.73

14%

Potatoes (per bag)

$5.58

$5.51

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$4.7

Margarine (per lb)

$1.30

$1.38

Eggs (per dozen)

$3.98

$4.16

Whole Milk (per gallon)

$4.08

$4.58

12%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.25

U.S. Avg.

Texas

Difference Diff

Tire Balance (per tire)

$70.23

$66.85

Gasoline (per gallon)

$2.9

$2.92

U.S. Avg.

Texas

Difference Diff

Doctor Visit (per visit)

$116.03

$133.09

15%

Dentist Visit (per visit)

$145.11

$129.95

10%

Ibuprofen (per bottle)

$12.38

$11.68

Prescription Drug (per month)

$20.8

$22.79

10%

Optometrist Visit (per visit)

$95.27

$131.29

38%

U.S. Avg.

Texas

Difference Diff

Women’s Slacks

$35.43

$38.91

10%

Boys’ Jeans

$29.47

$28.93

Men’s Shirt

$39.36

$38.46

Wine (per bottle)

$7.51

$11.48

53%

Beer (per 6-pack)

$11.17

$10.76

Veterinary Services (per visit)

$65.33

$68.23

Tennis Balls (per pack)

$3.59

$4.05

13%

Yoga (per class)

$12

$18.94

58%

Movie (per ticket)

$11.67

Newspaper (per copy)

$19.31

$12.48

35%

Washer Repair (per service)

$109.47

$92.62

15%

Women Slacks

$34.88

$37.95

Boy Jeans

$29.51

$28.63

Man Dress Shirt

$39.05

$38.09

Dry Cleaning (per item)

$13.45

$14.48

Shampoo (per bottle)

$1.55

$1.48

Toothpaste (per tube)

$3.64

$4.17

15%

Beauty Salon (per visit)

$47.5

$51.88

Haircut (per cut)

$27.08

$27.13

Fried Chicken (per serving)

$4.37

$4.96

13%

Pizza (per pizza)

$11.99

$12.08

Hamburger (per serving)

$5.28

$5.45

With a cost of living 7.9% lower the national average, Texas offers a compelling mix of value and opportunity. Add in zero state income tax, a booming economy, and year-round sunshine stretching from El Paso to Houston, and it's easy to see why so many are making the move. Whether it's more space, better job opportunities, or a slower pace of life without the steep West Coast prices, the Lone Star State delivers on all fronts.

Housing is 20% lower than the US average. The average home price in Texas is $424,401.68, well below the national median of $510,000. If you're buying a new home in Texas, you'll often get more for your money: spacious, modern homes with yards, at a fraction of the cost compared to cities like San Diego or Boston. Your monthly mortgage payments will also be 5% to 7% lower than the national average.
Renting is 2.4% lower than the national average. A one-bedroom home in Texas rents for about $1,190, while two-bedrooms average $1,580 across the state. Expect higher prices in big cities like Austin and Dallas, especially downtown. Most rentals include parking and basic appliances, but amenities like pools, gyms, and concierge services are limited to newer or luxury complexes.
Utilities are 4% higher than average, with total monthly costs ranging from $240 to $280, depending on the size of the home and the season. Air conditioning costs spike in the summer, especially in southern Texas. Internet averages $200.17 per month, while HOA fees typically range from $150 to $350. In tornado- or hail-prone regions, insurance add-ons may increase your annual homeowner costs by $600 to $1,200.
Food costs in Texas are 1% lower the national median. A family of four typically spends between $1,000 and $1,300 per month on groceries, while a single adult can set aside $350 to $500. A gallon of milk costs $4.58, a loaf of bread is $3.95, and eggs cost about $4.16 per dozen. Discount chains like Aldi and fan-favorite H-E-B help families stretch their food budgets.
Transportation costs are 2.55% higher than the US average. Gas averages $2.92 per gallon, and car insurance is about $150 per month. While major cities like Austin and Dallas offer public transit, most Texans rely on personal vehicles. Tolls and limited public parking in city centers like Houston can add to your monthly commuting costs.
Healthcare costs are 4% lower than the national average. A routine check-up costs $130, while an emergency room visit averages $2,600 without insurance. Texas cities like Houston and Dallas offer world-class care, but premiums and deductibles remain slightly elevated. This is partly due to the state's high uninsured rate and limited Medicaid coverage.
Miscellaneous expenses are 2.6% lower the national average. Gym memberships range from $35 to $75 a month, movie tickets average $11.67, and a family trip to a local attraction like the San Antonio Zoo or Six Flags can cost between $100 and $150. Childcare averages $750 to $1,100 per month, depending on the city. There's also plenty of affordable outdoor recreation in Texas, from river tubing and hiking to backyard grilling and high school football.

Moving to Texas? Enjoy lower taxes and more space—but don’t forget to budget for property taxes, utilities, and those long summer cooling bills! 👉 Next Step: Compare single-family homes in Texas

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Is Living in Texas Expensive?

While Texas is generally more affordable than many other states, the cost of living can vary greatly, depending on where you choose to live. On average, the price of living in Texas is 20% lower than the national average, making it a more budget-friendly option than states like California or New York. However, cities like Austin and Dallas have seen a recent rise in housing costs, due to rapid growth and demand.

With a budget of $500K, you could get a spacious house with a backyard in Dallas or San Antonio. In contrast, that same budget might only get you a smaller home or townhouse in higher-demand markets like Austin, Seattle, or Denver. Rising costs for groceries, utilities, and transportation may add to your overall expenses, but Texas still has a great deal of value to offer.

Housing in Texas

Buying a house in Texas is relatively affordable, with home prices averaging 20% lower than the national median. Whether you're a solo buyer, starting a family, or upsizing for growing kids, the state provides spacious, budget-friendly options—making it far more attainable than high-cost markets like California or New York.

Buying a House in Texas

If you're a young adult or single, you'll probably be best-suited for condos in Austin, Dallas, or Houston, where career opportunities, social life, and public transit collide. Neighborhoods such as East Austin, Deep Ellum, and Midtown Houston offer condos between $250,000 and $400,000, with mortgage payments of $2,174 to $2,211 per month. These areas are walkable, lively, and perfect f_
For married couples with young children (under 6), family-friendly suburbs like Cedar Park, Pearland, and Frisco are known for parks, quiet streets, and standout elementary schools. Three-bedroom homes in Plano range from $350,000 to $500,000, with mortgage payments around $2,500 to $3,300 monthly. Schools in these areas, like Isbell Elementary and Westside Elementary, are popular for their strong early education programs and parent involvement.
For married couples with older children (ages 6–17), larger multi-family homes in The Round Rock, Southlake, and Woodlands are ideal for growing families. Expect prices between $500,000 and $750,000, and mortgage payments in the $3,600 to $4,000 per month range. You'll also have access to high-performing schools like Carroll Senior High and The Woodlands High School.

Renting a House in Texas

Renting in Texas is 2.4% lower than the national average, giving you more space for less. While US renters typically pay around $1,334.05 on average per month, rent in Texas typically ranges from $1,200 to $2,500, depending on location and amenities. Here's what renters can expect across the state:

For young adults or single individuals, renting a one-bedroom home in Midtown Houston, Deep Ellum Dallas, or East Austin will cost between $1,400 and $1,900 per month. These neighborhoods are known for their vibrant nightlife, co-working spaces, and easy access to public transit. More affordable options can be found in North Austin or East Dallas, where rents fall between $1,200 and $1,500.
Married couples with young children (under 6) will find great options in family-friendly suburbs like Frisco, Cedar Park, and Pearland. Rent for a two-bedroom house in Frisco or three-bedroom house in Pearland typically ranges from $1,700 to $2,400 per month. These areas come with parks, daycare centers, and highly-rated schools, along with plenty of outdoor space for young families.
For families with older children (ages 6–17), renting a three-bedroom home in Southlake, The Woodlands, or Round Rock usually costs between $2,200 and $3,200 per month. These areas provide access to top-rated schools such as Carroll Senior High and The Woodlands High School, as well as spacious homes with large yards for growing kids and teenagers.
Renting for retirees or downsizers is also affordable in Texas, especially in quieter areas like Georgetown, New Braunfels, or Granbury. Homes in New Braunfels typically cost $1,200 to $1,800 per month. These neighborhoods offer low-maintenance living, close proximity to shopping centers, healthcare, and recreational activities, making them ideal for those seeking a peaceful lifestyle.
International students can share three-bedroom homes in West University or Third Ward Houston. Rent for these apartments usually falls between $1,500 and $2,000 a month. Sharing apartments in areas close to campus, like Sweetwater or Westchester, can reduce your costs by 20% to 30%.

Utilities in Texas

Food and Groceries in Texas

Transportation in Texas

Healthcare in Texas

Healthcare costs in Texas are generally 4% lower than the national average. While some treatments and emergencies can still rack up significant bills, routine care is much more budget-friendly compared to cities like New York or Los Angeles. Here's a breakdown of medical costs across Texas:

Doctor Visit — $133.09 per visit: Whether it's a simple cold, blood pressure check, or prescription refill, you can expect to pay within this range for a routine visit to a general practitioner in Texas. More specialized visits, such as dermatology consultations or follow-ups for chronic conditions, may cost a bit more.
Dentist Visit — $129.95 per visit: A routine dental cleaning in Texas averages $100 to $150, which is on par with or lower than cities like New York ($135) or Los Angeles ($125). Cavity fillings typically range from $150 to $250, and other basic procedures like X-rays and fluoride treatments also tend to cost 5-10% less than the national average.
Optometrist Visit — $131.29 per visit: Eye exams in Texas typically cost between $131.29, which is slightly below the national average of $140. This cost generally includes a vision check and prescription update. Specialized services like contact lens fittings or treatments for eye conditions can add anywhere from $50 to $150 more to your total bill.
Prescription Drugs — $22.79 per package: For chronic conditions like high blood pressure, Lisinopril costs between $12 and $20 for a 30-day supply. Medications for type 2 diabetes, like Metformin, range from $15 to $35 per month. For short-term needs, Amoxicillin (for infections) typically costs between $10 and $20 per prescription.
Over-the-Counter Meds — $8 to $15 per package: Everyday medications in Texas are reasonably priced. Ibuprofen (100-count) averages around $11.68, allergy medications like loratadine run $10 to $13, and cold/flu medicines like DayQuil or Mucinex cost around $7 to $12 per package.

Healthcare in Texas is generally more affordable than in major cities like New York, Los Angeles, or San Francisco. The state's warm climate and outdoor lifestyle may also help reduce respiratory issues and joint pain. Whether you need routine check-ups, urgent care, or prescriptions, Texas offers a more budget-friendly healthcare experience. While urban centers like Houston and Dallas provide world-class medical care, access can be more limited in rural areas.
It's a smart move to have health insurance, as an average doctor visit costs around $133.09 without it. Monthly premiums in Texas typically range from $500* to $900*, depending on your plan. However, Texas has not expanded Medicaid under the Affordable Care Act, which means fewer low-income residents qualify for subsidized care—something to consider when you budget for healthcare.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Texas

Miscellaneous expenses in Texas are 2.6% lower than the national average. Whether you're grabbing a bite to eat, treating yourself to a spa day, or enjoying the outdoors, Texas offers plenty of affordable options without compromising on quality. Here's a closer look at what everyday costs look like in the Lone Star State:

Food and Drinks: In Texas, casual dining remains affordable and flavorful. A classic burger at a local diner typically costs between $5.45, while a three-course meal at a mid-range sit-down restaurant averages around $25 per person. If you're craving tacos, you can expect to pay $2 to $5 each, making them a popular choice. Pizza slices usually range from $12.08, perfect for a quick and satisfying bite. When it comes to beverages, a local craft beer or a quality coffee generally costs between $6.48.
Personal Care and Grooming: Haircuts in Texas cost between $27.13, while beauty salon visits (with services like shampoo and styling) range from $51.88. Skincare treatments, such as facials, are priced between $2.19, and manicures typically cost $20 to $30. Massages generally start at $50 to $75.
Clothing and Laundry: A dress shirt usually costs $38.46, and jeans range from $28.93. Dry cleaning prices typically vary from $14.48 per item, while at-home laundry is much cheaper. Texas' warmer climate means you'll spend on lightweight fabrics, saving on more expensive, layered clothing.
Fitness and Entertainment: Gym memberships typically cost $30 to $60 per month, while yoga classes range from $18.94 per session. Movie tickets cost about $11.67. You can also enjoy a variety of outdoor activities at low or no cost, from hiking to kayaking. For beach lovers, the Gulf Coast offers swimming, volleyball, and fishing opportunities. Plus, many cities host regular outdoor concerts, festivals, and farmers markets.
Pet-Related Expenses: Routine vet visits cost between $68.23, but emergency care can go as high as $500. Grooming services typically cost $30 to $60, depending on your pet's size and breed. Texas is known for its pet-friendly parks, where dogs can roam off-leash and socialize with other pets. Many cities also offer pet cafes, events, and even doggy daycares.

What Salary Do You Need to Live in Texas?

The average income in Texas is 7.9% lower, which is slightly lower than the national average. However, thanks to the state's affordable housing, no state income tax, and relatively low utility costs, many residents can still live comfortably—especially outside of major metro areas. That said, rising housing prices in major cities and growing childcare expenses can strain your budget without careful planning.

Homeowners spend $93,734.00 per year: This includes mortgage payments for a mid-sized home, utilities, groceries, transportation, and property taxes. Texas homeowners benefit from lower home prices compared to states like California, but high property taxes can raise your annual costs.

Renters spend $52,726.00 per year: This covers rent for a one-bedroom home, utilities, food, local transportation, and general living expenses in Texas. While rent is cheaper in rural areas, city-based renters—especially in Austin, Dallas, and Houston—spend more due to higher demand and limited inventory.

Families with kids spend $98,442.00 per year: Add childcare, health insurance, schooling expenses, and a two- or three-bedroom home to the mix, and costs climb quickly. You will also need room in your budget for larger vehicles, groceries and extracurricular activities.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Texas cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Texas's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Texas?

Gas in Texas averages $2.92 per gallon, which is below the national average. However, prices can rise during peak travel seasons or events, especially in major cities like Dallas and Houston, where traffic can lead to more frequent fill-ups.

Is Texas a good place to live?

Yes, Texas is a great place for those who enjoy warm weather and a diverse culture. The state offers a strong job market, affordable housing, and a high quality of life, particularly in cities like Dallas, Austin, and Houston.

What is the cost of living in Texas?

The average cost of living in Texas is 7.9% lower the national average, making it more affordable than major states like California or New York. While cities like Austin and Dallas have higher housing costs, others—such as San Antonio and Fort Worth—offer more budget-friendly living without sacrificing amenities.

What is the average rent in Texas?

A one-bedroom apartment in Texas typically rents for $1,200 to $1,800 per month. Austin and Dallas have higher rents, whereas areas like El Paso, Lubbock, and Corpus Christi are more affordable, with rents around $1,100 to $1,500 monthly.

How much is a two-bedroom apartment in Texas?

A two-bedroom apartment in Texas ranges from $1,500 to $2,500 per month, depending on location. Prices are higher in cities like Austin, Houston, and Dallas, especially for newer or luxury apartments, but suburban areas offer more affordable options.

What is the average price of utilities in Texas?

Utility costs in Texas hover around $400-$430 per month, including electricity, water, and trash. Summer months may increase costs due to air conditioning, particularly in Houston and Austin, where high temperatures make cooling a necessity.

How much is childcare in Texas?

If you're moving to Texas, childcare typically costs $800 to $1,200 per month for toddlers. Prices vary by city, with Dallas and Austin having higher rates. On the other hand, suburban areas and in-home care options are generally more affordable for families with young children.