Cost Of Living in Gary City, TX

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A+

1%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

100%

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	Gary City	Texas	National
Cost of living	99	94	100
Groceries	100	98	100
Health care	98	98	100
Housing	n/a	83	100
Transportation	99	98	100
Utilities	103	103	100
Lifestyle & Entertainment	99	98	100
Household Items	98	98	100
Education & Childcare	98	98	100

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Homes For Sale In Gary City, TX

2888 FM 999

Gary, TX

Cost Of Living Quick Facts

The cost of living in Gary City is 5% higher than the Texas average
The cost of living in Gary City is 1% lower than the national average
Gary City housing is 8% 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

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$48,485	$4,040	$1,131	$1,455
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%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Tenaha, TX	1,628	80	20.2%
Timpson, TX	1,236	81	18.8%
Garrison, TX	1,371	85	14.5%
Beckville, TX	968	89	11.2%
Carthage, TX	6,700	90	9.7%
Gary City, TX	396	99	0.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Topawa, AZ	396	102	1.8%
Neponset, IL	396	83	16.9%
Mineral Point, MO	396	89	11.0%
Hayesville, NC	396	95	5.2%
Pedricktown, NJ	396	101	0.9%
Gary City, TX	396	99	0.8%