Nacogdoches 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.
IndexNacogdochesTexasNational
Cost of living index9191100
IndexNacogdochesTexasNational
Goods & Services index10097100
Groceries index9890100
Health care index9596100
Housing index7481100
Transportation index9695100
Utilities index10494100
Displayed above is a general overview of the Nacogdoches, TX cost of living index. The overall cost of living index in Nacogdoches, TX is 91, which is 1% higher than the Texas average and 9% 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 Nacogdoches, TX are 2% higher than the Texas average and equal to the national average.

Did you know?

  • The cost of living in Nacogdoches is 1% higher than the Texas average.
  • The cost of living in Nacogdoches is 9% lower than the national average.
  • The cost of housing in Nacogdoches is 26% 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 Nacogdoches, TX Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Nacogdoches, TX to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Nacogdoches, TX, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Nacogdoches, TX salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$51,932$4,328$1,212$1,558
Renters$22,756$1,896$531$683
The affordability of the housing market in Nacogdoches, TX as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Nacogdoches, TX homeowners, the median income is $51,932. This indicates that a monthly maximum of $1,212 should be spent by homeowners on all housing related costs. Renters have a median income of $22,756. This indicates that renters should have a maximum of $531 used for their rent related monthly 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 Nacogdoches, 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

ItemNacogdochesNational avg.Difference
Haircut $15.65$14.597.2%
Beauty Salon $34.00$34.682.0%
Toothpaste $3.21$2.4729.8%
Shampoo $0.98$1.024.1%
Movie $9.75$9.871.2%
Bowling $5.00$4.3913.9%

Groceries

ItemNacogdochesNational avg.Difference
Ground Beef $6.05$4.4835.1%
Fried Chicken $1.19$1.4618.7%
Milk $2.29$2.362.8%
Potatoes $4.15$3.0635.6%
Pizza $8.00$9.2413.4%
Beer $8.72$8.631.0%

Health Care

ItemNacogdochesNational avg.Difference
Optometrist $106.00$99.786.2%
Doctor $98.00$105.036.7%
Dentist $76.00$88.7014.3%
Ibuprofen $9.92$9.415.4%
Lipitor $307.65$298.503.1%

Housing

ItemNacogdochesNational avg.Difference
Home Price $125,200.00$175,700.0028.7%
Avg. Mortgage Payment $892.91$1,081.0317.4%
Apartment Rent $731.00$920.0020.5%

Transportation

ItemNacogdochesNational avg.Difference
Gasoline $2.00$2.094.4%
Tire Balancing $44.00$45.292.8%

Utilities

ItemNacogdochesNational avg.Difference
All Electricity$182.92$170.807.1%
Phone $27.95$28.261.1%
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.
Redfield, TX35278-22%
Redland, TX96782-18%
Garrison, TX83784-16%
Cushing, TX61386-14%
Appleby, TX57791-9%
Nacogdoches, TX33,58991-9%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Monroe, NC33,58895-5%
Dakota Ridge, CO33,58311212%
Wildomar, CA33,60111818%
Redan, GA33,60393-7%
Security-Widefield, CO33,56697-3%
Nacogdoches, TX33,58991-9%
Source: The Nacogdoches, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.