Cloverleaf cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index8591100
Goods & Services index10197100
Groceries index8690100
Health care index9196100
Housing index6181100
Transportation index8995100
Utilities index9494100
An overview of the general cost of living index for Cloverleaf, TX is displayed above for your reference. Residents in Cloverleaf, TX enjoy a cost of living index of 85. This index is 7% lower than the Texas average, and 15% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Cloverleaf, TX, the average cost of goods and services is 3% higher than it is in Texas, and it is 1% higher than the national average.

Did you know?

  • The cost of living in Cloverleaf is 7% lower than the Texas average.
  • The cost of living in Cloverleaf is 15% lower than the national average.
  • The cost of housing in Cloverleaf is 39% lower than the national average.
  • Texas general sales tax is 23% higher than the national average.
  • Texas state income tax is 100% lower than the national average.

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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Use the salary calculator to compare your current salary in Cloverleaf, TX to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Cloverleaf, TX, then you would need to earn more income in order to maintain the same standard of living. To use the Cloverleaf, TX salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Cloverleaf, TX, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Cloverleaf, TX, the median monthly income is $51,753 for those who own their own homes. Under the standard rule, that income level would allow for $1,207 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $31,278, per the median income in the area. That would allow for renters to spend up to $730 on monthly rental expenses.

Texas Sales Tax

StateGeneral Sales TaxWith Max Surtax

Texas Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Cloverleaf, TX and want to know what the true cost of living is, they ought to look at both the Texas income tax rate and the Texas sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Texas, the sales tax is 6.25%, while the most you'll pay in surtax is 8.25%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Texas, the income tax rate ranges between 0% to 0%.

Goods & Services

ItemCloverleafNational avg.Difference
Haircut $15.70$14.597.6%
Beauty Salon $50.70$34.6846.2%
Toothpaste $2.05$2.4717.1%
Shampoo $0.83$1.0218.8%
Movie $10.14$9.872.8%
Bowling $5.35$4.3921.8%


ItemCloverleafNational avg.Difference
Ground Beef $4.78$4.486.8%
Fried Chicken $1.22$1.4616.7%
Milk $1.69$2.3628.3%
Potatoes $2.51$3.0618.0%
Pizza $8.69$9.246.0%
Beer $8.88$8.632.9%

Health Care

ItemCloverleafNational avg.Difference
Optometrist $91.56$99.788.2%
Doctor $78.68$105.0325.1%
Dentist $85.89$88.703.2%
Ibuprofen $7.98$9.4115.2%
Lipitor $306.58$298.502.7%


ItemCloverleafNational avg.Difference
Home Price $91,400.00$175,700.0048.0%
Avg. Mortgage Payment $1,037.88$1,081.034.0%
Apartment Rent $744.00$920.0019.1%


ItemCloverleafNational avg.Difference
Gasoline $1.94$2.097.1%
Tire Balancing $35.44$45.2921.7%


ItemCloverleafNational avg.Difference
All Electricity$144.44$170.8015.4%
Phone $30.15$28.266.7%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Sheldon, TX1,58583-17%
Jacinto City, TX10,71783-17%
South Houston, TX17,32383-17%
Galena Park, TX11,09383-17%
Aldine, TX15,37583-17%
Cloverleaf, TX23,73285-15%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Romulus, MI23,72183-17%
Kingston, NY23,7071088%
University Park, TX23,761210110%
Carteret, NJ23,77011919%
South Plainfield, NJ23,68613030%
Cloverleaf, TX23,73285-15%
Source: The Cloverleaf, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.