| Index | Boerne | Texas | National |
| Cost of living | 121 | 94 | 100 |
| Groceries | 102 | 98 | 100 |
| Health care | 103 | 98 | 100 |
| Housing | 161 | 83 | 100 |
| Transportation | 107 | 98 | 100 |
| Utilities | 101 | 103 | 100 |
| Lifestyle & Entertainment | 100 | 98 | 100 |
| Household Items | 102 | 98 | 100 |
| Education & Childcare | 108 | 98 | 100 |
The cost of living in Boerne affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Boerne is 121, which is 21% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
If you value affordability in your search for a new place to live, Boerne may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Boerne falls into this category, which may not align with your desire for an affordable place to call home.
When it comes to the cost of living in Boerne, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 60.8% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.
The real experts on a city are its residents. That's why we reached out to 9 locals to get their views on the cost of living in Boerne. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 33% found it budget-friendly with decreasing prices, while 67% said it's simply not affordable as prices have continued to rise.
Is Boerne an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Boerne is 70% higher than the national average, while the average monthly rent prices are 39.1% higher than average. The affordability of any location can also be influenced by median income levels. Boerne has a median household income of $117,064, which is 43.9% higher than the national average.
Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Boerne, healthcare costs are 3% higher than the national average.
Taxes: Cities that impose higher taxes, including sales and income taxes, can contribute to an escalated cost of living. The added expense of taxes on everyday goods like clothing and food naturally results in higher overall costs. Similarly, a higher income tax rate can further elevate the cost of living. In Boerne, the general sales tax rate starts at 6.25%, and income tax rates begin at 0%.
Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Boerne, the transportation index is 6.8% higher than the national average.
The cost of living estimates displayed for Boerne are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $159,849 | $13,321 | $3,730 | $4,796 |
| Renters | $78,932 | $6,578 | $1,842 | $2,368 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Comfort, TX | 3,079 | 96 | 3.6% |
| Lakehills, TX | 5,318 | 107 | 6.6% |
| Helotes, TX | 9,720 | 128 | 27.7% |
| Grey Forest, TX | 520 | 129 | 28.6% |
| Scenic Oaks, TX | 6,848 | 131 | 31.2% |
| Boerne, TX | 17,451 | 121 | 20.6% |
| City | Population | Cost of Living Index | National Avg. |
| Woodmere, NY | 17,452 | 186 | 85.6% |
| Ojus, FL | 17,457 | 107 | 7.4% |
| Bristol, VA | 17,459 | 90 | 10.2% |
| Norwalk, OH | 17,464 | 89 | 11.3% |
| Goodlettsville, TN | 17,430 | 108 | 7.7% |
| Boerne, TX | 17,451 | 121 | 20.6% |
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