La Joya 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.
IndexLa JoyaTexasNational
Cost of living index7291100
IndexLa JoyaTexasNational
Goods & Services index7697100
Groceries index7990100
Health care index8196100
Housing index5781100
Transportation index8695100
Utilities index7994100
Displayed above is a general overview of the La Joya, TX cost of living index. The overall cost of living index in La Joya, TX is 72, which is 21% lower than the Texas average and 28% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in La Joya, TX are 22% lower than the Texas average and 24% lower than the national average.

Did you know?

  • The cost of living in La Joya is 21% lower than the Texas average.
  • The cost of living in La Joya is 28% lower than the national average.
  • The cost of housing in La Joya is 43% 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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Compare La Joya, TX Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Cost of living index
Goods & Services index
Groceries index
Health care index
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The salary calculator is used in order to provide a comparison of your current salary in La Joya, TX to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to La Joya, TX, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the La Joya, TX salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$45,548$3,796$1,063$1,367
Renters$14,459$1,205$337$434
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in La Joya, TX as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for La Joya, TX homeowners, is $45,548. This would allow for a maximum of $1,063 per month to be spent on housing costs. For renters, the median monthly income is $14,459 which would result in a maximum of $337 to be spent on rental costs.

Texas Sales Tax

StateGeneral Sales TaxWith Max Surtax
Texas6.25%8.25%

Texas Income Tax

StateIncome Tax (Low)Income Tax (High)
Texas0%0%
One thing to keep in mind when considering the cost of living in La Joya, TX is the Texas sales tax and Texas income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Texas sales tax rate is 6.25% and the maximum surtax that can be charged is 8.25%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Texas income tax rates range from 0% to 0%.

Goods & Services

ItemLa JoyaNational avg.Difference
Haircut $10.00$14.5931.5%
Beauty Salon $23.33$34.6832.7%
Toothpaste $1.54$2.4737.7%
Shampoo $0.75$1.0226.6%
Movie $10.00$9.871.3%
Bowling $4.25$4.393.2%

Groceries

ItemLa JoyaNational avg.Difference
Ground Beef $3.77$4.4815.8%
Fried Chicken $1.18$1.4619.4%
Milk $2.21$2.366.2%
Potatoes $2.58$3.0615.7%
Pizza $8.00$9.2413.4%
Beer $6.73$8.6322.0%

Health Care

ItemLa JoyaNational avg.Difference
Optometrist $60.00$99.7839.9%
Doctor $68.75$105.0334.5%
Dentist $66.00$88.7025.6%
Ibuprofen $7.97$9.4115.3%
Lipitor $329.99$298.5010.6%

Housing

ItemLa JoyaNational avg.Difference
Home Price $90,900.00$175,700.0048.3%
Avg. Mortgage Payment $776.23$1,081.0328.2%
Apartment Rent $651.00$920.0029.2%

Transportation

ItemLa JoyaNational avg.Difference
Gasoline $1.70$2.0918.8%
Tire Balancing $44.33$45.292.1%

Utilities

ItemLa JoyaNational avg.Difference
All Electricity$153.09$170.8010.4%
Phone $17.99$28.2636.3%
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.
El Quiote, TX20478-22%
Rafael Pena, TX078-22%
Manuel Garcia II, TX23878-22%
Tierra Dorada, TX878-22%
Nina, TX29993-7%
La Joya, TX4,11572-28%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Barnesville, OH4,11587-13%
Savannah, TX4,11511414%
Cortez, FL4,1141044%
Verdigris, OK4,11794-6%
Waverly, TN4,11387-13%
La Joya, TX4,11572-28%
Source: The La Joya, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.