Borger 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.
Cost of living index7891100
Goods & Services index9293100
Groceries index9291100
Health care index10196100
Housing index4883100
Transportation index8794100
Utilities index90100100
The above illustration supplies generalized information for the Borger, TX cost of living index. Compared to other cities in Texas and cities across the country, the cost of living index in Borger, TX is 78, which is 14% lower than the Texas average and 22% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Borger, TX are 1% lower than the average for Texas and 8% lower than the rest of the country.

Did you know?

  • The cost of living in Borger is 14% lower than the Texas average.
  • The cost of living in Borger is 22% lower than the national average.
  • The cost of housing in Borger is 52% 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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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
Use the salary calculator to compare your current salary in Borger, TX to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Borger, TX, then you would need to earn more income in order to maintain the same standard of living. To use the Borger, TX salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in Borger, TX by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Borger, TX have a median income of $55,337. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,291 per month to avoid calamity and poverty. The renters in the city have an income of about $21,714, which would make their monthly maximum allowable rental costs $507.

Texas Sales Tax

StateGeneral Sales TaxWith Max Surtax

Texas Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Borger, TX, it's important to take into account the sales tax for Texas, as well as the rate for income tax in Texas. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Texas is 8.25%, and the sales tax in the state of Texas is 6.25%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Texas starts from 0% and goes up to 0%.

Goods & Services

ItemBorgerNational avg.Difference
Haircut $17.61$16.099.5%
Beauty Salon $29.76$37.3320.3%
Toothpaste $1.95$2.4520.5%
Shampoo $0.86$1.0014.4%
Movie $9.58$10.286.8%
Bowling $4.23$4.9314.2%


ItemBorgerNational avg.Difference
Ground Beef $3.79$3.800.4%
Fried Chicken $1.17$1.4016.2%
Milk $1.97$2.012.0%
Potatoes $2.57$3.0114.5%
Pizza $10.00$9.891.2%
Beer $9.08$8.902.1%

Health Care

ItemBorgerNational avg.Difference
Optometrist $70.74$102.1630.8%
Doctor $123.40$108.3613.9%
Dentist $88.96$92.533.9%
Ibuprofen $8.71$9.286.1%
Lipitor $437.84$425.822.8%


ItemBorgerNational avg.Difference
Home Price $68,200.00$184,700.0063.1%
Avg. Mortgage Payment $798.91$1,202.4433.6%
Apartment Rent $685.00$949.0027.8%


ItemBorgerNational avg.Difference
Gasoline $1.99$2.2411.2%
Tire Balancing $38.05$46.2917.8%


ItemBorgerNational avg.Difference
All Electricity$145.06$165.9612.6%
Phone $27.01$28.685.8%
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.
Lake Meredith Estates, TX25591-9%
Sanford, TX17368-32%
Skellytown, TX49276-24%
Stinnett, TX1,40178-22%
Fritch, TX3,43680-20%
Borger, TX13,00178-22%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Newton, NC12,99989-11%
La Homa, TX12,99971-29%
Commerce, CA12,99712727%
Kingston, PA12,99692-8%
West Carrollton, OH13,01287-13%
Borger, TX13,00178-22%
Source: The Borger, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.