Cost of Living in Central Gardens, TX

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A+
1%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
8%
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 Central Gardens Texas National
Cost of living10194100
Groceries9898100
Health care9698100
Housing10883100
Transportation9698100
Utilities105103100
Lifestyle & Entertainment9798100
Household Items9798100
Education & Childcare10198100
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Homes For Sale In Central Gardens, TX

property for sale

3018 Vernon St

Nederland, TX
property for sale

1319 Travis St

Nederland, TX
property for sale

2700 Spurlock Rd

Nederland, TX
property for sale

2245 Oak N

Nederland, TX

Cost Of Living Quick Facts

  • The cost of living in Central Gardens is 7% higher than the Texas average
  • The cost of living in Central Gardens is 1% higher than the national average
  • Central Gardens housing is 8% 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

Most Affordable Places to Live in and Around Central Gardens

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Compare Central Gardens, 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$125,714$10,476$2,933$3,772
      Renters$72,858$6,072$1,700$2,186
      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 $125,714. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,933 per month to avoid calamity and poverty. The renters in the city have an income of about $72,858, which would make their monthly maximum allowable rental costs $1,700.

      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.
      Rose City, TX4548118.9%
      Port Arthur, TX56,3628515.5%
      Vidor, TX10,8828515.2%
      Beaumont, TX120,037919.0%
      Pine Forest, TX436918.9%
      Central Gardens, TX3,7601011.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      East Sandwich, MA3,76016160.7%
      Thompsonville, PA3,75911919.5%
      Saint-André-Avellin, QC3,759n/a 
      Valley Grande, AL3,7618812.0%
      Kelseyville, CA3,76111212.3%
      Central Gardens, TX3,7601011.2%
      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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