B
14%
Overall NAT. AVG.
1%
Goods & Services NAT. AVG.
58%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Boerne Texas National
Cost of living11492100
Goods & Services9996100
Groceries9596100
Health care10594100
Housing15883100
Transportation9392100
Utilities85104100

An Overview of Cost of Living in Boerne, TX

Are you thinking about relocating, but curious about the potential cost of living in Boerne? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Boerne stands at 114, making it 14% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Housing costs are a major factor in the Boerne cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 57.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

What Do Locals Say About the Cost of Living in Boerne?

The most insightful perspective on a city comes from its residents. We recently surveyed 7 locals to gauge their perception of the cost of living in Boerne. The feedback revealed that 14% of respondents found the cost of living to be reasonable, with prices on the decline, while 86% regarded it as notably expensive with prices that continue to rise.

Is Boerne Affordable?

Is Boerne affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Boerne, the median home price is 65.5% higher than the national average and monthly rent prices are 39.3% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Boerne boasting a median household income of $77,917, 40.8% higher than the national average.

What Factors can Influence the Cost of Living in Boerne?

Transportation: In areas where public transportation is scarce or unavailable, residents often find themselves compelled to own and upkeep vehicles, thereby increasing the overall cost of living. Monthly expenses encompass fuel, insurance, routine maintenance and potentially lease or financing payments. In Boerne, the transportation index is 7.3% lower than the national average.

Urbanization: Urban areas with a wealth of amenities and employment opportunities tend to come with a higher price tag for living. Why? Well, more people want to be there, which drives up home prices and rents. On the flip side, less densely populated rural areas or places where there's not as much demand usually mean fewer attractions, things to do and slower job growth. That often results in a lower cost of living.

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Boerne, is 57.6% higher than the national average.

Where is the Data From?

The Boerne cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Boerne is 24% higher than the Texas average
  • The cost of living in Boerne is 14% higher than the national average
  • Boerne housing is 58% higher than the national average
  • Texas general sales tax is 22% higher than the national average
  • Texas state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Boerne

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Compare Boerne, TX Cost of Living

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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

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$108,315$9,026$2,527$3,250
      Renters$53,432$4,453$1,247$1,603
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Boerne, TX, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Boerne, homeowners have a median income of $108,315. Using that number, a maximum of $2,527 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $53,432, which means there is a maximum of $1,247 to be spent on the costs of renting a home or apartment.

      Texas Sales Tax

      State General Sales Tax With Max Surtax
      Texas 6.25% 8.25%

      Texas Income Tax

      State Income Tax (Low) Income Tax (High)
      Texas 0% 0%

      Goods & Services

      Item Boerne National avg. Difference
      Haircut $20.78$24.2614.4%
      Beauty Salon $43.67$45.564.2%
      Toothpaste $3.60$3.702.7%
      Shampoo $1.06$1.2817.2%
      Movie $9.50$12.1321.7%
      Bowling $13.70$18.0023.9%

      Groceries

      Item Boerne National avg. Difference
      Ground Beef $4.93$5.8415.6%
      Fried Chicken $1.57$1.570.1%
      Milk $4.57$4.672.2%
      Potatoes $4.55$4.937.7%
      Pizza $11.32$12.096.3%
      Beer $10.50$10.410.8%

      Health Care

      Item Boerne National avg. Difference
      Optometrist $132.00$125.685.0%
      Doctor $171.14$135.7826.0%
      Dentist $108.33$113.294.4%
      Ibuprofen $10.16$10.654.7%
      Lipitor $481.60$468.602.8%

      Housing

      Item Boerne National avg. Difference
      Home Price $305,600.00$184,700.0065.5%
      Avg. Mortgage Payment $1,951.07$2,346.6916.9%
      Apartment Rent $1,322.00$949.0039.3%

      Transportation

      Item Boerne National avg. Difference
      Gasoline $3.03$3.4612.4%
      Tire Balancing $57.20$59.924.5%

      Utilities

      Item Boerne National avg. Difference
      All Electricity $217.71$193.9912.2%
      Phone $201.97$192.255.1%
      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 Population Cost of Living Index National Avg.
      Comfort, TX3,018919.0%
      Lakehills, TX5,1161011.1%
      Helotes, TX9,52512322.5%
      Grey Forest, TX50312323.4%
      Scenic Oaks, TX6,61112524.6%
      Boerne, TX16,90911414.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Stafford, TX16,9041022.3%
      Nocatee, FL16,91413332.7%
      Clemson, SC16,9171088.0%
      Moraga, CA16,896239139.1%
      Wayne, MI16,8948910.7%
      Boerne, TX16,90911414.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.