Cost Of Living in Central Gardens, TX

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A+

2%

Overall NAT. AVG.

2%

Goods & Services NAT. AVG.

6%

Housing NAT. AVG.

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	Central Gardens	Texas	National
Cost of living	102	92	100
Goods & Services	102	96	100
Groceries	97	96	100
Health care	96	94	100
Housing	106	83	100
Transportation	93	92	100
Utilities	108	104	100

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Cost Of Living Quick Facts

The cost of living in Central Gardens is 10% higher than the Texas average
The cost of living in Central Gardens is 2% higher than the national average
Central Gardens housing is 6% 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

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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	$83,750	$6,979	$1,954	$2,513
Renters	$48,047	$4,004	$1,121	$1,442

To approximate the cost of living and the housing affordability in Central Gardens, TX, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Central Gardens have a median income of $83,750. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,954 per month to avoid calamity and poverty. The renters in the city have an income of about $48,047, which would make their monthly maximum allowable rental costs $1,121.

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	Central Gardens	National avg.	Difference
Haircut	$26.22	$24.26	8.1%
Beauty Salon	$46.89	$45.56	2.9%
Toothpaste	$3.66	$3.70	1.0%
Shampoo	$1.16	$1.28	9.1%
Movie	$11.93	$12.13	1.7%
Bowling	$19.17	$18.00	6.5%

Groceries

Item	Central Gardens	National avg.	Difference
Ground Beef	$5.37	$5.84	8.1%
Fried Chicken	$1.49	$1.57	5.5%
Milk	$4.66	$4.67	0.3%
Potatoes	$4.17	$4.93	15.6%
Pizza	$10.99	$12.09	9.1%
Beer	$10.23	$10.41	1.8%

Health Care

Item	Central Gardens	National avg.	Difference
Optometrist	$119.32	$125.68	5.1%
Doctor	$87.50	$135.78	35.6%
Dentist	$104.52	$113.29	7.7%
Ibuprofen	$10.41	$10.65	2.3%
Lipitor	$480.00	$468.60	2.4%

Housing

Item	Central Gardens	National avg.	Difference
Home Price	$204,100.00	$184,700.00	10.5%
Avg. Mortgage Payment	$2,167.70	$2,346.69	7.6%
Apartment Rent	$921.00	$949.00	3.0%

Transportation

Item	Central Gardens	National avg.	Difference
Gasoline	$3.06	$3.46	11.6%
Tire Balancing	$48.89	$59.92	18.4%

Utilities

Item	Central Gardens	National avg.	Difference
All Electricity	$214.33	$193.99	10.5%
Phone	$209.24	$192.25	8.8%

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	Population	Cost of Living Index	National Avg.
Rose City, TX	441	82	17.9%
Port Arthur, TX	54,705	86	14.3%
Vidor, TX	10,658	86	14.3%
Pine Forest, TX	425	92	7.8%
Beaumont, TX	117,321	92	7.7%
Central Gardens, TX	3,621	102	2.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Pine Level, AL	3,621	91	9.3%
Lake Isabella, CA	3,621	99	0.8%
Berwyn, PA	3,621	146	45.5%
Watertown, CT	3,620	110	9.8%
Dover Base Housing, DE	3,620	124	23.8%
Central Gardens, TX	3,621	102	2.0%