Cost Of Living in Kemp, TX

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15%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

44%

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	Kemp	Texas	National
Cost of living	85	94	100
Groceries	96	98	100
Health care	96	98	100
Housing	56	83	100
Transportation	99	98	100
Utilities	104	103	100
Lifestyle & Entertainment	102	98	100
Household Items	99	98	100
Education & Childcare	93	98	100

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Homes For Sale In Kemp, TX

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Kemp, TX

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Kemp, TX

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Cost Of Living Quick Facts

The cost of living in Kemp is 9% lower than the Texas average
The cost of living in Kemp is 15% lower than the national average
Kemp housing is 44% 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	$83,284	$6,940	$1,943	$2,499
Renters	$51,699	$4,308	$1,206	$1,551

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.
Rosser, TX	521	82	17.5%
Seven Points, TX	1,325	85	15.4%
Eustace, TX	1,375	88	12.1%
Kaufman, TX	7,802	90	10.1%
Mabank, TX	3,821	90	9.7%
Kemp, TX	1,149	85	14.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Grandview, OH	1,149	111	10.7%
Goodwell, OK	1,149	87	13.3%
McKinney Acres, TX	1,149	88	12.0%
New Market, AL	1,150	86	14.3%
Black Diamond, FL	1,148	121	21.5%
Kemp, TX	1,149	85	14.5%