Assembling your view…
Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Let's be honest: North Carolina isn't cheap. And on balance, but within that premium market, there are cities where your dollar stretches meaningfully further. Frisco proves it with a cost index of 118, the lowest in North Carolina, and we've ranked all 277 contenders to help you find the best deal …
Let's be honest: North Carolina isn't cheap. And on balance, but within that premium market, there are cities where your dollar stretches meaningfully further. Frisco proves it with a cost index of 118, the lowest in North Carolina, and we've ranked all 277 contenders to help you find the best deal in an expensive landscape.
Frisco earns its position at #1 through a combination that's hard to replicate. And on balance, the 118 cost index sits 6 points above the national baseline, and the $146,158 median income means purchasing power here is partially offset by higher costs. It lines up with what you'd expect. Homes list at $653,858 — $186,488 above the national median, reflecting the local market dynamics. On the cost side, Utilities leads the way at 108, while Housing trails at 145.
What to do with this data: use the ranking as a shortlist, then dig into the city profiles for trend lines and category breakdowns. The difference between #1 and #5 is often smaller than the difference between "good on paper" and "actually fits my life." Compare your top picks with our calculator to see real take-home numbers.
#1 Ranked: Frisco — cost index 118, rent $1,751/mo, income $146,158
168 of 277 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
The #1 spot goes to Frisco, and the breakdown explains why. Renters here pay $1,751/month — saving renters $1,728 per year compared to the national average. Meanwhile, Utilities is the standout at index 108, keeping costs manageable. The weak spot? Housing at 145. At a 14% rent-to-income ratio, there's genuine breathing room in the average household budget.
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. For anyone running the numbers, this is where it clicks.
108,515 residents · Texas
Real talk: 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.
111,620 residents · Texas
Dive into Allen's numbers: cost index 109 (3 points below national average), rent $1,634/month, income $129,130, and a home price of $497,016. The city's cost profile isn't flat — Utilities is the cheapest category at 100, while Housing runs 122. With 111,620 residents, it balances mid-size city convenience with manageable costs (though the trend is moving in the right direction).
116,320 residents · Texas
A closer look at League: the cost index of 105 — for better or worse — breaks down to a Utilities index of 97 (strongest category) and a Housing index of 113 (weakest). That's more or less in line with the region. Median rent is $1,764/month — 7% below the national median — while household income sits at $119,870, meaning locals spend about 18% of income on rent. That's a healthy margin by any standard (and that gap widens if you factor in state taxes).
Frisco ranks #1 in North Carolina 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 #277) 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.
North Carolina 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.