Cost of Living in Breckenridge, TX

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A+
17%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
52%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Breckenridge Texas National
Cost of living8394100
Groceries10098100
Health care9698100
Housing4883100
Transportation10098100
Utilities103103100
Lifestyle & Entertainment9498100
Household Items9898100
Education & Childcare9598100
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Homes For Sale In Breckenridge, TX

property for sale

407 Ridge Rd

Breckenridge, TX
property for sale

TBD C R 195

Breckenridge, TX
property for sale

774 County Road 220

Breckenridge, TX
property for sale

125 Water District Road 214

Breckenridge, TX
See the Newest Homes For Sale In Breckenridge, TX

Cost Of Living Quick Facts

  • The cost of living in Breckenridge is 12% lower than the Texas average
  • The cost of living in Breckenridge is 17% lower than the national average
  • Breckenridge housing is 52% lower 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 Breckenridge

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Compare Breckenridge, 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
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$71,070$5,923$1,658$2,132
      Renters$27,740$2,312$647$832
      A good way to judge both the affordability of the housing and the cost of living in Breckenridge is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Breckenridge has a median income of about $71,070 for people who own homes. Based on that number, a maximum of $1,658 should be spent on expenses related to housing. Renters have a slightly different median income, which is $27,740. Based on this average, renters should spend no more than $647 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Moran, TX2267821.6%
      Breckenridge, TX5,5828316.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Clarinda, IA5,5848415.9%
      Centerville, IA5,5798118.9%
      Stokesdale, NC5,5861077.3%
      New Hempstead, NY5,58616565.4%
      Winston, OR5,5861044.1%
      Breckenridge, TX5,5828316.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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