Overall 4%
Goods & Services 10%
Housing 23%
Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; 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.
Cost of living9691100
Goods & Services11095100
Health care7897100

Key findings

  • The cost of living in Garland is 5% higher than the Texas average
  • The cost of living in Garland is 4% lower than the national average
  • Garland housing is 23% 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

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Compare Garland, TX Cost of Living

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      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 IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Garland, TX, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Garland homeowners, is $64,224. This would allow for a maximum of $1,498 per month to be spent on housing costs. For renters, the median monthly income is $35,833 which would result in a maximum of $836 to be spent on rental costs.

      Texas Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Texas Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemGarlandNational avg.Difference
      Haircut $19.00$17.498.6%
      Beauty Salon $55.30$38.1744.9%
      Toothpaste $2.00$2.3213.8%
      Shampoo $1.12$1.0110.7%
      Movie $11.50$10.727.2%
      Bowling $21.67$13.8656.3%


      ItemGarlandNational avg.Difference
      Ground Beef $4.36$3.9011.8%
      Fried Chicken $1.59$1.4013.9%
      Milk $1.79$1.968.8%
      Potatoes $3.14$3.181.4%
      Pizza $10.84$10.394.3%
      Beer $9.86$9.236.8%

      Health Care

      ItemGarlandNational avg.Difference
      Optometrist $125.00$106.3417.6%
      Doctor $64.00$115.2544.5%
      Dentist $87.00$98.3811.6%
      Ibuprofen $8.65$9.266.6%
      Lipitor $310.02$466.4733.5%


      ItemGarlandNational avg.Difference
      Home Price $121,400.00$184,700.0034.3%
      Avg. Mortgage Payment $1,658.91$1,273.3230.3%
      Apartment Rent $973.00$949.002.5%


      ItemGarlandNational avg.Difference
      Gasoline $2.47$2.594.6%
      Tire Balancing $49.70$48.901.6%


      ItemGarlandNational avg.Difference
      All Electricity$192.55$167.6014.9%
      Phone $182.64$163.4211.8%
      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, StatePopulationCost of Living IndexNational Avg.
      Mobile City, TX22481-19%
      St. Paul CDP, TX59476-24%
      Mesquite CDP, TX62986-14%
      Cockrell Hill, TX4,30191-9%
      Balch Springs, TX25,04392-8%
      Garland, TX234,81096-4%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Scottsdale, AZ234,49512525%
      Hialeah, FL235,6261011%
      Chesapeake, VA233,1941088%
      Reno, NV237,12111010%
      Irving, TX232,0131000%
      Garland, TX234,81096-4%
      Source: The Garland, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.