Just how expensive is it to live in Texas?


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What’s the Average Cost of Living in Texas?

Average Cost of Living in Texas: $45,114 per year

When it comes to expenses in this sprawling state, MERIC  data gathered in 2022 found that Texans enjoy the 15th lowest cost of living in the country.

Other Southwestern states like Arizona (37th) and Utah (30th) have a much higher cost of living, while New Mexico comes in second to Texas as the state with the 19th lowest cost of living.

So how much does it cost to live in Texas? According to 2021 data from the Bureau of Economic Analysis  the average total personal consumption cost in Texas is $45,114 per year. Here’s how that breaks down.


That’s $3,760 a month, per person, on average.

Housing Costs in Texas

Average Housing Costs in Texas: $1,025 to $1,867 per month

With more than 11 million housing units, according to U.S. census data, you’ll find plenty of places to live in Texas. The big question is, how much will it cost you to find your home sweet home? Texas’ typical home value was $290,863 in February 2023, according to Zillow.

Here’s what it looks like to rent or own on a monthly basis in Texas, per 2021 data from the U.S. Census Bureau:

  • Median monthly mortgage cost: $1,747
  • Median studio rent: $1,025
  • Median one-bedroom rent: $1,026
  • Median two-bedroom rent: $1,155
  • Median three-bedroom rent: $1,381
  • Median four-bedroom rent: $1,725
  • Median five-bedroom (or more) rent: $1,867
  • Median gross rent: $1,167

Texas is a huge state. Let’s take a look at housing prices for just 20 cities, courtesy of Zillow data sourced in January 2023.

TX housing

Utility Costs in Texas

Average Utility Costs in Texas: $402 per month

Even though they aren’t the most fun bills to pay, we all need our utilities.

utilities TX

Groceries & Food

Average Grocery & Food Costs in Texas: $289.25 per person, per month

How much you spend on food depends on many things, including the state you live in. The Bureau of Economic Analysis estimates that the average Texan spends $3,471 a year on non-restaurant sustenance, or about $289 per month.

The specific area of a state that you live in can also affect grocery spending. The Council for Community and Economic Research , which ranks food costs in major American cities, compared grocery spending among some Texas cities for the second quarter of 2022. Below, the findings are ranked from lowest to highest.

groceries, TX


Average Transportation Costs in Texas: $5,477 to $15,530 per year

You’ll need to hit the open road from time to time, and your family makeup can affect how much you need to spend to get everyone where they need to go. MIT’s Living Wage Calculator  estimates what you can expect to spend on transportation, based on data for the first quarter of 2023.

.transportation, TX

Health Care

Average Health Care Costs in Texas: $6,593 per person, per year

Each Texan spends about $6,593 a year on health care, according to the 2021 Bureau of Economic Analysis Personal Consumption Expenditures by State report.

Of course, factors like specific needs and coverage affect how much any one person spends on health care.

Child Care

Average Child Care Costs in Texas: $719 to $1,258 or more per child, per month

Child care is a large but necessary expense for most parents, though there is some wiggle room depending on what kind of care you’re seeking.

State resources can help make financing child care easier. For example, the Texas Workforce Commission  has a program that subsidizes child care for low-income families so parents can work or pursue an education.

These are the average child care costs you can expect to encounter in Texas, according to 2021 data from costofchildcare.org .



State Tax Rate: None

Texas doesn’t charge any state income tax, as noted by the Tax Foundation’s State Individual Income Tax Rates and Brackets for 2023 . Florida, Tennessee, South Dakota, Wyoming, Nevada, New Hampshire, Washington, and Alaska also don’t charge state income tax.

If you’re moving from a state with high income taxes like New Jersey (top marginal rate, 10.75%) or California (top rate, 13.3%), then Texas might look like a pretty smart move.

Miscellaneous Costs

You’ve paid for the basics, and now it’s time to have a little fun. The Bureau of Economic Analysis estimates that every Texan spends $26,312 a year on personal expenditures.

These are a few examples of what it can cost to check out Texas pleasures (costs are as of March 2023).

•  Tickets to the Space Center Houston: $0 to $29.95, depending on age of visitor

•  Family membership to the Houston Zoo: $189 or more, depending on pass type

•  Dinner at fan favorite Goldee’s Bar-BQ: $16 for a half-pound brisket

And remember the Alamo, in San Antonio. Church entry is free unless you want to book a tour. (Learn more withWhat are the Average Monthly Expenses for a Single Person?)

How Much Money Do You Need to Live Comfortably in Texas?

Only you can decide what it truly means to live comfortably by your standards, but U.S. News & World Report’s Affordability Rankings , can give you a pretty good idea of how affordable a state is to live in.

Texas lands 22nd on the list of 50, so it’s neither one of the hardest or easiest places in which to live comfortably. MERIC identified Texas as one of the more affordable states to live in, so depending on your lifestyle choices, Texas can be easy to live in comfortably.

You’ll want to create a budget to make sure moving to Texas works out in your bank account’s favor.

What City Has the Lowest Cost of Living in Texas?

Digging through the Council for Community and Economic Research’s Cost of Living Index (for the second quarter of 2022) yielded the three most affordable major cities in Texas.


As of 2021, Harlingen had about 72,000 residents, yet it houses a major convention center and plenty of dining and shopping options. The research council found Harlingen to be Texas’ most affordable major city, with a cost-of-living index of 77.1. Redfin listed a typical home value in this city near the Mexican border at about $260,000 in early 2023.


With a cost-of-living index of 79.3, McAllen is the second-most-affordable city in Texas. People travel from around the world to check out the more than 540 bird species and 330 butterfly species that live in this border city. There are also plenty of art and nightlife opportunities. Zillow gave a typical home price of $161,690 in early 2023, as noted above.


If you’re looking for cowboy vibes, Amarillo (cost-of-living index of 84.2) might just be the perfect place for you to call home. This historic city is located where the southern plains meet the desert and is full of both working Western ranches and modern businesses. As noted above, Zillow listed a typical home price in Amarillo of about $192,835 in early 2023.

This article originally appeared on SoFi.com and was syndicated by MediaFeed.org.

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These 2 US cities have some of the highest murder rates in the world

These 2 US cities have some of the highest murder rates in the world

When it comes to homicide, the most dangerous cities in the world are located in Latin America, where most deaths are related to drug trafficking, weapons trafficking, and gang wars. 

According to the latest data from Statista, only three cities outside Central and South America made the top 25, and two of those cities are in the United States.

Here we take a look at those 25 cities and their homicide rates per 100,000 residents.

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