Texas Cost of Living 2026
The cost of living in Texas (TX) has an overall index of 93.5 (100 = national average), making it moderately more affordable than the national average. Use the calculator below to compare Texas to any other state and see how far your dollar goes.
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Texas Cost of Living Breakdown
Here is how Texas compares to the national average across major spending categories. An index above 100 means the category is more expensive than average, while below 100 means it is more affordable.
| Category | Texas | National Avg | Difference |
|---|---|---|---|
| Overall | 93.5 | 100.0 | -6.5 |
| Housing | 84.6 | 100.0 | -15.4 |
| Groceries | 96.4 | 100.0 | -3.6 |
| Transportation | 96.8 | 100.0 | -3.2 |
| Healthcare | 94.2 | 100.0 | -5.8 |
| Utilities | 99.4 | 100.0 | -0.6 |
Key Takeaways for Texas
- Housing (84.6): Housing costs are well below the national average, making Texas one of the more affordable states for housing.
- Groceries (96.4): Grocery prices are close to the national average with minimal impact on your budget.
- Transportation (96.8): Transportation costs are near the national average.
- Healthcare (94.2): Healthcare costs are below the national average, which can be a significant advantage for families and retirees.
- Utilities (99.4): Utility costs are near the national average.
Biggest Factor in Texas
The most expensive category in Texas relative to national averages is Utilities at an index of 99.4, while the most affordable is Housing at 84.6.
Cost of Living by City in Texas
Explore city-level cost of living data for Texas.
Cost of Living by ZIP Code in Texas
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