| Index | Celina | Texas | National |
| Cost of living | 121 | 94 | 100 |
| Groceries | 100 | 98 | 100 |
| Health care | 99 | 98 | 100 |
| Housing | 171 | 83 | 100 |
| Transportation | 95 | 98 | 100 |
| Utilities | 108 | 103 | 100 |
| Lifestyle & Entertainment | 100 | 98 | 100 |
| Household Items | 100 | 98 | 100 |
| Education & Childcare | 93 | 98 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Celina? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Celina stands at 121, making it 21% 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.
The cost of living in Celina is among the highest in the country, making it a very expensive place to live. Only a small fraction of regions boast a cost of living that is at least 20% higher than the national average, and regrettably, Celina falls into this category, which may not be suitable for those seeking an economically favorable living environment.
Housing costs make up a big chunk of the cost of living in Celina, and they usually eat into a large part of your take-home pay. Unfortunately, in this area, both buying a home and renting one costs 71.5% more than the average city. This includes stuff like home prices, rent, mortgage rates, and insurance.
Locals have the inside scoop on their city. So, we polled 7 residents in Celina to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 14% find it reasonable with decreasing prices, but 86% think it's quite pricey, with prices that continue to rise.
Is Celina 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 Celina, the median home price is 73.2% higher than the national average and monthly rent prices are 67.6% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Celina boasting a median household income of $173,783, 113.7% higher than the national average.
Subsidies: Some cities and states may extend government subsidies or aid programs aimed at reducing the cost of living for their residents. These initiatives encompass diverse forms of support, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Regions with limited subsidy provisions may witness an increase in their overall cost of living.
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 Celina, the transportation index is 5.3% 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.
The Celina cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as 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 | $176,468 | $14,706 | $4,117 | $5,295 |
| Renters | $0 | $0 | $0 | $0 |
| 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. |
| Bristol, TX | 462 | 99 | 1.1% |
| Lincoln Park, TX | 199 | 80 | 20.2% |
| Howe, TX | 3,319 | 90 | 10.5% |
| Dorchester, TX | 40 | 96 | 3.7% |
| Tioga, TX | 993 | 97 | 3.0% |
| Celina, TX | 13,935 | 121 | 20.8% |
| City | Population | Cost of Living Index | National Avg. |
| Gladeview, FL | 13,938 | 99 | 1.4% |
| Huntington, VA | 13,931 | 138 | 38.2% |
| Bay St. Louis, MS | 13,930 | 98 | 2.4% |
| Ridge, NY | 13,941 | 126 | 26.1% |
| Mount Vernon, VA | 13,952 | 157 | 56.9% |
| Celina, TX | 13,935 | 121 | 20.8% |
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