Cost of Living in Cleveland, TX

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13%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
39%
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 Cleveland Texas National
Cost of living8794100
Groceries9798100
Health care10098100
Housing6183100
Transportation9498100
Utilities106103100
Lifestyle & Entertainment9998100
Household Items9798100
Education & Childcare10198100
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Homes For Sale In Cleveland, TX

property for sale

1101 N Blair Ave

Cleveland, TX
property for sale

1108 Road 5823

Cleveland, TX
property for sale

909 Linia Alfred ST

Cleveland, TX
property for sale

512 County Road 337

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

Cost Of Living Quick Facts

  • The cost of living in Cleveland is 7% lower than the Texas average
  • The cost of living in Cleveland is 13% lower than the national average
  • Cleveland housing is 39% 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 Cleveland

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Compare Cleveland, TX Cost of Living

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      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$88,202$7,350$2,058$2,646
      Renters$50,042$4,170$1,168$1,501
      To approximate the cost of living and the housing affordability in Cleveland, 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 Cleveland have a median income of $88,202. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,058 per month to avoid calamity and poverty. The renters in the city have an income of about $50,042, which would make their monthly maximum allowable rental costs $1,168.

      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.
      Shepherd, TX2,5748614.1%
      Patton Village, TX1,5128614.2%
      North Cleveland, TX2949010.4%
      Plum Grove, TX1,1028910.6%
      Cut and Shoot, TX1,007927.7%
      Cleveland, TX8,4068712.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Topanga, CA8,406250149.6%
      Oroville East, CA8,40512625.9%
      Bryans Road, MD8,40712221.7%
      Island Lake, IL8,4031066.2%
      Kapuskasing, ON8,403n/a 
      Cleveland, TX8,4068712.8%
      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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