Gainesville cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index8191100
Goods & Services index8693100
Groceries index9891100
Health care index9196100
Housing index6083100
Transportation index8794100
Utilities index99100100
A general summary of the cost of living index in Gainesville, TX is shown above. Compared to the state average of Texas the cost of living index in Gainesville, TX is 81, which is 10% lower than the average in Texas and compared to the national average it is 19% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Gainesville, TX goods and services come in at 8% lower than the average in Texas and are 14% lower than compared to the nationwide average.
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Did you know?

  • The cost of living in Gainesville is 10% lower than the Texas average.
  • The cost of living in Gainesville is 19% lower than the national average.
  • The cost of housing in Gainesville is 40% lower than the national average.
  • Texas general sales tax is 23% higher than the national average.
  • Texas state income tax is 100% lower than the national average.

Compare Gainesville, TX Cost of living To Other Cities

Salary Calculator

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Health care index
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Use the salary calculator to compare your current income in Gainesville, TX to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Gainesville, TX, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Gainesville, TX salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Gainesville, TX as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gainesville, TX homeowners, the median income is $56,977. This indicates that a monthly maximum of $1,329 should be spent by homeowners on all housing related costs. Renters have a median income of $27,532. This indicates that renters should have a maximum of $642 used for their rent related monthly costs.

Texas Sales Tax

StateGeneral Sales TaxWith Max Surtax

Texas Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Gainesville, TX is the Texas sales tax and Texas income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Texas sales tax rate is 6.25% and the maximum surtax that can be charged is 8.25%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Texas income tax rates range from 0% to 0%.

Goods & Services

ItemGainesvilleNational avg.Difference
Haircut $12.26$16.0923.8%
Beauty Salon $27.36$37.3326.7%
Toothpaste $2.52$2.453.1%
Shampoo $0.93$1.007.1%
Movie $7.60$10.2826.1%
Bowling $5.21$4.935.6%


ItemGainesvilleNational avg.Difference
Ground Beef $4.59$3.8020.7%
Fried Chicken $1.24$1.4011.0%
Milk $1.79$2.0110.7%
Potatoes $3.08$3.012.3%
Pizza $8.92$9.899.8%
Beer $9.55$8.907.3%

Health Care

ItemGainesvilleNational avg.Difference
Optometrist $94.93$102.167.1%
Doctor $96.45$108.3611.0%
Dentist $81.23$92.5312.2%
Ibuprofen $9.01$9.282.9%
Lipitor $404.50$425.825.0%


ItemGainesvilleNational avg.Difference
Home Price $95,500.00$184,700.0048.3%
Avg. Mortgage Payment $882.48$1,202.4426.6%
Apartment Rent $764.00$949.0019.5%


ItemGainesvilleNational avg.Difference
Gasoline $2.04$2.249.2%
Tire Balancing $36.53$46.2921.1%


ItemGainesvilleNational avg.Difference
All Electricity$179.83$165.968.4%
Phone $25.54$28.6810.9%
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, StatePopulationCost of Living IndexNational Avg.
Lindsay CDP, TX30290-10%
Thackerville, OK45980-20%
Whitesboro, TX3,87481-19%
Callisburg, TX36182-18%
Valley View, TX94782-18%
Gainesville, TX16,16981-19%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Laconia, NH16,17111010%
Lebanon, OR16,1621011%
Hillcrest Heights, MD16,17811010%
Wailuku, HI16,17916464%
Zachary, LA16,1541022%
Gainesville, TX16,16981-19%
Source: The Gainesville, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.
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