A+
8%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
26%
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 Cloverleaf Texas National
Cost of living9294100
Groceries10098100
Health care9898100
Housing7483100
Transportation9998100
Utilities105103100
Lifestyle & Entertainment9598100
Household Items10198100
Education & Childcare9698100
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An Overview of Cost of Living in Cloverleaf, TX

Getting a feel for the cost of living in Cloverleaf is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Cloverleaf is 92, which is 8% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

The cost of living in Cloverleaf closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, houshold expenses, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Cloverleaf can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.

Is Cloverleaf Affordable?

Is Cloverleaf an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Cloverleaf, the median home price is 35.2% lower than what most folks pay across the country, and monthly rent prices are 3.1% lower than the usual rates. Income levels in Cloverleaf come in at $73,465, which is 9.7% lower than the national average.

What Factors can Influence the Cost of Living in Cloverleaf?

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Cloverleaf, healthcare costs are 2.4% lower than the national average.

Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, 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 farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.

Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Cloverleaf, the transportation index is 1.4% lower than the national average.

Where is the Data From?

The cost of living data for Cloverleaf shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Cloverleaf is 3% lower than the Texas average
  • The cost of living in Cloverleaf is 8% lower than the national average
  • Cloverleaf housing is 26% 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 Cloverleaf

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Compare Cloverleaf, TX Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$88,940$7,412$2,075$2,668
      Renters$50,957$4,246$1,189$1,529
      A good indicator of the general affordability of housing in Cloverleaf, TX, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Cloverleaf, the median monthly income is $88,940 for those who own their own homes. Under the standard rule, that income level would allow for $2,075 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $50,957, per the median income in the area. That would allow for renters to spend up to $1,189 on monthly rental expenses.

      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.
      Barrett, TX3,5218713.0%
      Jacinto City, TX10,8268713.0%
      Galena Park, TX11,0978811.8%
      Aldine, TX16,737919.4%
      South Houston, TX17,971909.5%
      Cloverleaf, TX26,890928.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Plainview, NY26,86516564.6%
      Stevens Point, WI26,862936.7%
      Superior, WI26,920927.8%
      Saint-Bruno-de-Montarville, QC26,923n/a 
      Belmont, MA26,925204104.1%
      Cloverleaf, TX26,890928.3%
      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.