Cost of Living in Cottonwood, TX

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D+
21%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
65%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; 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 Cottonwood Texas National
Cost of living12192100
Goods & Services10596100
Groceries9895100
Health care10197100
Housing16583100
Transportation8992100
Utilities113102100
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Cost Of Living Quick Facts

  • The cost of living in Cottonwood is 31% higher than the Texas average
  • The cost of living in Cottonwood is 21% higher than the national average
  • Cottonwood housing is 65% 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 Cottonwood

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Compare Cottonwood, 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
      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$203,715$16,976$4,753$6,112
      Renters$0$0$0$0

      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 Cottonwood National avg. Difference
      Haircut $39.28$27.6242.2%
      Beauty Salon $72.50$51.1141.9%
      Toothpaste $4.07$4.090.6%
      Shampoo $1.61$1.544.4%
      Movie $15.06$12.8816.9%
      Yoga $27.76$19.6641.2%

      Groceries

      Item Cottonwood National avg. Difference
      Ground Beef $7.24$7.706.0%
      Fried Chicken $1.57$1.665.6%
      Milk $4.58$4.733.2%
      Potatoes $5.49$5.264.4%
      Pizza $11.59$12.769.2%
      Beer $11.10$10.555.2%

      Health Care

      Item Cottonwood National avg. Difference
      Optometrist $120.03$140.0614.3%
      Doctor $129.67$153.8215.7%
      Dentist $143.84$123.1516.8%
      Ibuprofen $11.64$11.730.8%
      Lipitor $22.43$23.615.0%

      Housing

      Item Cottonwood National avg. Difference
      Home Price $539,138.00$326,622.0065.1%
      Avg. Mortgage Payment $2,186.83$2,480.2511.8%
      Apartment Rent $0.00$1,444.00100.0%

      Transportation

      Item Cottonwood National avg. Difference
      Gasoline $2.80$3.068.4%
      Tire Balancing $53.07$65.2118.6%

      Utilities

      Item Cottonwood National avg. Difference
      All Electricity $259.77$220.1218.0%
      Phone $205.01$195.714.8%
      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.
      Rosser, TX5218514.9%
      Oak Ridge town (Cooke County), TX1248713.1%
      Seven Points, TX1,3258712.6%
      Kemp, TX1,1498811.7%
      Garrett, TX9548910.9%
      Cottonwood, TX32712121.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Cash, AR3277921.4%
      Woodville, GA3278118.7%
      Frederika, IA3278119.2%
      Kiron, IA3277821.8%
      Ute, IA3277822.1%
      Cottonwood, TX32712121.1%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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