| Index | Borger | Texas | National |
| Cost of living | 87 | 94 | 100 |
| Groceries | 99 | 98 | 100 |
| Health care | 101 | 98 | 100 |
| Housing | 57 | 83 | 100 |
| Transportation | 98 | 98 | 100 |
| Utilities | 105 | 103 | 100 |
| Lifestyle & Entertainment | 101 | 98 | 100 |
| Household Items | 98 | 98 | 100 |
| Education & Childcare | 96 | 98 | 100 |
Understanding the cost of living in Borger can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Borger cost of living index is 87, which is 13% lower than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
Housing expenses often consume a significant portion of your net income, occasionally surpassing 30%. Fortunately, housing costs in Borger are 43.1% below the national average. This highlights the region's exceptional affordability for both homeownership and rentals in comparison to the rest of the country. This favorable housing situation allows residents to allocate a more reasonable fraction of their income to housing, resulting in enhanced financial flexibility and improved overall financial well-being.
Is Borger an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Borger, the median home price is 55.5% lower than what most folks pay across the country, and monthly rent prices are 14.3% lower than the usual rates. Income levels in Borger come in at $79,274, which is 2.5% lower than the national average.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Borger, the utilities index registers at 5.3% higher than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Borger starts at 6.25% and the income tax rates start at 0%.
Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Borger, the groceries index is 1.5% lower than the national average.
The Borger cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $94,975 | $7,915 | $2,216 | $2,850 |
| Renters | $44,149 | $3,679 | $1,030 | $1,325 |
| 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. |
| Lake Meredith Estates, TX | 422 | 99 | 0.6% |
| Sanford, TX | 136 | 75 | 24.9% |
| Skellytown, TX | 420 | 75 | 24.8% |
| Stinnett, TX | 1,452 | 85 | 14.8% |
| Fritch, TX | 2,729 | 92 | 8.3% |
| Borger, TX | 12,894 | 87 | 13.4% |
| City | Population | Cost of Living Index | National Avg. |
| Mandeville, LA | 12,894 | 113 | 13.4% |
| Artesia, NM | 12,890 | 97 | 2.5% |
| West Monroe, LA | 12,888 | 89 | 10.5% |
| Choctaw, OK | 12,902 | 97 | 3.3% |
| Grand Terrace, CA | 12,885 | 136 | 36.4% |
| Borger, TX | 12,894 | 87 | 13.4% |
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