A+
6%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
16%
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 Clute Texas National
Cost of living9494100
Groceries9898100
Health care9798100
Housing8483100
Transportation9598100
Utilities104103100
Lifestyle & Entertainment10198100
Household Items9898100
Education & Childcare9698100
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An Overview of Cost of Living in Clute, TX

Getting a feel for the cost of living in Clute 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 Clute is 94, which is 6% 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 Clute 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 Clute 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 Clute Affordable?

Wondering if Clute is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Clute, for example, the median home price is 29.1% lower than what folks pay nationally, and monthly rent is 14.7% higher than the usual rates. Plus, income levels matter too, with Clute boasting a median household income of $83,713, which is 2.9% higher than the national average.

What Factors can Influence the Cost of Living in Clute?

Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Clute, the utilities index registers at 3.6% higher than the national average.

Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as 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 with fewer subsidy offerings might experience an elevation in their cost of living.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Clute, the groceries index is 2% lower than the national average.

Where is the Data From?

The Clute 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.

Cost Of Living Quick Facts

  • The cost of living in Clute is equal to the Texas average
  • The cost of living in Clute is 6% lower than the national average
  • Clute housing is 16% 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 Clute

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Compare Clute, 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$143,041$11,920$3,337$4,292
      Renters$67,543$5,629$1,576$2,026
      A good way to judge both the affordability of the housing and the cost of living in Clute is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Clute has a median income of about $143,041 for people who own homes. Based on that number, a maximum of $3,337 should be spent on expenses related to housing. Renters have a slightly different median income, which is $67,543. Based on this average, renters should spend no more than $1,576 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Holiday Lakes, TX1,0108515.2%
      Freeport, TX12,5418712.7%
      Brazoria, TX3,149909.5%
      Jones Creek, TX2,041928.0%
      Angleton, TX20,095936.6%
      Clute, TX11,959946.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      La Riviera, CA11,96113231.7%
      Webster, MA11,96111615.6%
      Elwood, NY11,95516059.8%
      Oak Hills, OR11,95513939.1%
      Maryville, MO11,9638911.3%
      Clute, TX11,959946.1%
      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.