Assembling your view…
Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Top 5 separated by only 1 points. The race is tight: Houston, San Antonio, Dallas, Austin, Fort Worth are all within 1 points of each other. At this level, differences in rent, taxes, or a single category can sway the decision.
Top 5 separated by only 1 points. The race is tight: Houston, San Antonio, Dallas, Austin, Fort Worth are all within 1 points of each other. At this level, differences in rent, taxes, or a single category can sway the decision.
This is one of the closest races in our database: the top 5 cities are separated by just 1 points on the cost index. Houston, San Antonio, Dallas, Austin, Fort Worth are all within striking distance. At this margin, secondary factors — taxes, rent trends, category-specific costs — become the tiebreakers. Here's the full breakdown.
Here's Houston by the numbers — and there's a lot to like (and a little to watch). Cost index: 97. Rent: $1,542/month. Income: $62,894/year. Home price: $261,976. Population: 2,314,157. The strongest category is Utilities at 89; the most expensive is Healthcare at 100. Translate that rent to annual numbers, and residents are saving renters $4,236 per year vs. the national median. This is one of those rare cities where the math works from every angle.
The other side of the coin: Texas — no income tax, massive metros, and wide-open affordability. The 40 cities we track here average a cost index of 99 and median income of $79,780. It's a clear buyer's market compared to national norms. The typical rent runs $1,536/month, which is $359 less than the national median.
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: Houston — cost index 97, rent $1,542/mo, income $62,894
Top 5 separated by only 1 points
38 of 40 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
2,314,157 residents · Texas
What does daily life actually cost in Houston? Start with the 29% rent-to-income ratio — tight but manageable for most households. And with some exceptions, on the category level, Utilities (index 89) is where the real savings show up, while Healthcare (index 100) is the line item most likely to surprise newcomers. Income at $62,894 and homes at $261,976 round out a profile that ranks #1 for clear reasons.
1,495,295 residents · Texas
Why San Antonio ranks #2: the numbers tell a clear story. You get the picture. At 93 on the cost index, residents save roughly 19% less than the typical American. Rent sits at $1,361/month while the median household pulls in $62,917/year. The Housing category is particularly strong at 83, though Healthcare (96) lags behind. Home prices average $247,132 — $220,238 below the national median.
1,302,868 residents · Texas
Here's Dallas by the numbers — and there's a lot to like (and a little to watch). And roughly speaking, cost index: 99. Rent: $1,591/month — we had to double-check this one — . Income: $67,760/year. Home price: $305,523. Population: 1,302,868. The strongest category is Utilities at 91; the most expensive is Healthcare at 102. Translate that rent to annual numbers, and residents are saving renters $3,648 per year vs. the national median. This is quietly one of the better values out there.
979,882 residents · Texas
Austin earns its position at #4 through a combination that's hard to replicate. And as far as the data shows, the 107 cost index sits 5 points below the national baseline, and the $91,461 median income means purchasing power here is genuinely above average. Homes list at $500,627 — $33,257 above the national median, reflecting the metro premium. On the cost side, Utilities leads the way at 99, while Housing trails at 118.
978,468 residents · Texas
Here's Fort Worth by the numbers — and there's a lot to like (and a little to watch). Cost index: 98. Rent: $1,554/month. Income: $76,602/year. Home price: $295,822. Population: 978,468. The strongest category is Utilities at 90; the most expensive is Healthcare at 101. Translate that rent to annual numbers, and residents are saving renters $4,092 per year vs. the national median. That's the sort of advantage that turns renters into homeowners.
| Rank | City | Population | Cost Index | Median Rent | |
|---|---|---|---|---|---|
| 1 | Houston | 2,314,157 | 97 | $1,542 | Details |
| 2 | San Antonio | 1,495,295 | 93 | $1,361 | Details |
| 3 | Dallas | 1,302,868 | 99 | $1,591 | Details |
| 4 | Austin | 979,882 | 107 | $1,531 | Details |
| 5 | Fort Worth | 978,468 | 98 | $1,554 | Details |
| 6 | El Paso | 678,958 | 94 | $1,441 | Details |
| 7 | Arlington | 398,431 | 98 | $1,462 | Details |
| 8 | Corpus Christi | 316,595 | 93 | $1,433 | Details |
| 9 | Plano | 290,190 | 110 | $1,717 | Details |
| 10 | Lubbock | 266,878 | 92 | $1,388 | Details |
| 11 | Laredo | 257,602 | 91 | $1,327 | Details |
| 12 | Irving | 254,373 | 101 | $1,587 | Details |
| 13 | Garland | 243,470 | 98 | $1,563 | Details |
| 14 | Frisco | 225,007 | 118 | $1,751 | Details |
| 15 | Mckinney | 213,509 | 109 | $1,675 | Details |
| 16 | Amarillo | 202,408 | 89 | $1,245 | Details |
| 17 | Grand Prairie | 202,134 | 100 | $1,602 | Details |
| 18 | Brownsville | 190,158 | 95 | $1,621 | Details |
| 19 | Killeen | 159,643 | 90 | $1,280 | Details |
| 20 | Denton | 158,349 | 100 | $1,491 | Details |
| 21 | Mesquite | 147,317 | 94 | $1,397 | Details |
| 22 | Mcallen | 146,593 | 91 | $1,272 | Details |
| 23 | Waco | 144,816 | 91 | $1,368 | Details |
| 24 | Midland | 138,397 | 100 | $1,585 | Details |
| 25 | Pasadena | 133,560 | 91 | $1,318 | Details |
| 26 | Lewisville | 133,553 | 103 | $1,573 | Details |
| 27 | Carrollton | 132,918 | 103 | $1,517 | Details |
| 28 | Round Rock | 130,406 | 104 | $1,593 | Details |
| 29 | Abilene | 129,043 | 98 | $1,758 | Details |
| 30 | Pearland | 127,736 | 106 | $1,797 | Details |
| 31 | College Station | 125,192 | 104 | $1,755 | Details |
| 32 | Richardson | 117,435 | 107 | $1,676 | Details |
| 33 | League | 116,320 | 105 | $1,764 | Details |
| 34 | Odessa | 115,743 | 97 | $1,612 | Details |
| 35 | Beaumont | 112,193 | 88 | $1,275 | Details |
| 36 | Allen | 111,620 | 109 | $1,634 | Details |
| 37 | New Braunfels | 110,958 | 101 | $1,567 | Details |
| 38 | Tyler | 110,327 | 92 | $1,290 | Details |
| 39 | Sugar Land | 108,515 | 112 | $1,990 | Details |
| 40 | Conroe | 108,248 | 99 | $1,524 | Details |
Cities are ranked by total population from the latest Census estimates. Growing populations typically signal economic opportunity — but also rising costs. We pair population data with affordability metrics for context. All data is sourced from federal agencies and verified research institutions. Cost of living indices are normalized to 100 (national median) using Zillow rent as the primary signal, with sub-category adjustments derived from regional BLS price data. Rankings are updated monthly as new data is released.
Houston ranks #1 in Texas for this analysis with a cost index of 97 and median income of $62,894.
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.
Houston (ranked #1) has a cost index of 97 and rent of $1,542/mo, while Conroe (ranked #40) has a cost index of 99 and rent of $1,524/mo — a 2-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 Houston is $1,542/month as of 2026, based on Zillow's Observed Rent Index. This is $353 below the national median of $1,895/month.
The median home price in Houston is $261,976, which is 4.2× the local median income. It's on the edge of affordability for median-income households. The national median home price is $467,370.
Texas 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.