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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Let's be honest: New York isn't cheap. But within that premium market, there are cities where your dollar stretches meaningfully further. Frisco proves it with a cost index of 118 — which, honestly, is lower than you'd expect here — , the lowest in New York, and we've ranked all 281 contenders to he…
Let's be honest: New York isn't cheap. But within that premium market, there are cities where your dollar stretches meaningfully further. Frisco proves it with a cost index of 118 — which, honestly, is lower than you'd expect here — , the lowest in New York, and we've ranked all 281 contenders to help you find the best deal in an expensive landscape.
The ranking uses a composite of 2026 data from Census Bureau population/income surveys, Zillow rent and home price indices, BLS salary benchmarks, and Tax Foundation tax rates. And more often than not, frisco (index 118, rent $1,751); Naperville (index 122, rent $2,157); Sugar Land (index 112, rent $1,990). Each city profile below links to the full detail page with 12-month trends, salary breakdowns, and cost category comparisons.
A closer look at Frisco: the cost index of 118 — this is the part where it gets real — breaks down to a Utilities index of 108 (strongest category) and a Housing index of 145 (weakest). Median rent is $1,751/month — 8% below the national median — while household income sits at $146,158, meaning locals spend about 14% of income on rent. That's a healthy margin by any standard (your mileage may vary — literally).
Bottom line: Frisco leads this ranking for clear, data-backed reasons — but the "best" city depends on your priorities. Click into any city below to see the full detail page with 12-month trend charts, profession-specific salary data, and a breakdown of all five cost categories. If you're seriously considering a move, use our salary calculator to model your specific income against these numbers.
#1 Ranked: Frisco — cost index 118, rent $1,751/mo, income $146,158
173 of 281 cities come in below the national cost-of-living average of 112
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
225,007 residents · Texas
Look, Why Frisco ranks #1: the numbers tell a clear story. At 118 on the cost index, residents spend roughly 6% more than the typical American. Rent sits at $1,751/month while the median household pulls in $146,158/year. The Utilities category is particularly strong at 108, though Housing (145) lags behind. Home prices average $653,858 — $186,488 above the national median.
150,245 residents · Illinois
Here's Naperville by the numbers — and there's a lot to like. Cost index: 122. Rent: $2,157/month. Income: $150,937/year. Home price: $594,498. Population: 150,245. The strongest category is Utilities at 112; the most expensive is Housing at 154. Translate that rent to annual numbers, and residents are costing renters $3,144 more per year vs. the national median. Financially, that's significant.
108,515 residents · Texas
What does daily life actually cost in Sugar Land? Start with the 17% rent-to-income ratio — that's the kind of margin that lets people build savings. On the category level, Utilities (index 103) is where the real savings show up, while Housing (index 130) is the line item most likely to surprise newcomers. Income at $137,511 and homes at $440,419 round out a profile that ranks #3 for clear reasons (that's pre-tax, of course).
111,620 residents · Texas
Why Allen ranks #4: the numbers tell a clear story. And roughly speaking, at 109 on the cost index, residents save roughly 3% less than the typical American. Rent sits at $1,634/month while the median household pulls in $129,130/year. The Utilities category is particularly strong at 100, though Housing (122) lags behind. Home prices average $497,016 — $29,646 above the national median.
116,320 residents · Texas
Dive into League's numbers: cost index 105 (7 points below national average), rent $1,764/month, income $119,870, and a home price of $368,400. The city's cost profile isn't flat — Utilities is the cheapest category at 97, while Housing runs 113. With 116,320 residents, it balances mid-size city convenience with manageable costs.
Frisco ranks #1 in New York for this analysis with a cost index of 118 and median income of $146,158.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
Frisco (ranked #1) has a cost index of 118 and rent of $1,751/mo, while Mesquite (ranked #281) has a cost index of 94 and rent of $1,397/mo — a 24-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in Frisco is $1,751/month as of 2026, based on Zillow's Observed Rent Index. This is $144 below the national median of $1,895/month.
The median home price in Frisco is $653,858, which is 4.5× the local median income. It's on the edge of affordability for median-income households. The national median home price is $467,370.
New York has a 0% state income tax rate — one of the states with no income tax. Combined state and local sales tax averages 8.19%, and the effective property tax rate is 1.6%.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.