Overall 17%
Goods & Services 1%
Housing 41%
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 living8391100
Goods & Services9995100
Health care8997100

Key findings

  • The cost of living in Kirby is 9% lower than the Texas average
  • The cost of living in Kirby is 17% lower than the national average
  • Kirby housing is 41% 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 Kirby, 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 affordability of the housing market in Kirby, TX as well as the overall cost of living can be predicted 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 be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Kirby homeowners, the median income is $49,286. This indicates that a monthly maximum of $1,150 should be spent by homeowners on all housing related costs. Renters have a median income of $26,239. This indicates that renters would have a maximum of $612 for their rent related monthly costs.

      Texas Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Texas Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemKirbyNational avg.Difference
      Haircut $23.75$17.4935.8%
      Beauty Salon $40.93$38.177.2%
      Toothpaste $1.87$2.3219.4%
      Shampoo $0.78$1.0122.9%
      Movie $10.85$10.721.2%
      Bowling $18.20$13.8631.3%


      ItemKirbyNational avg.Difference
      Ground Beef $3.58$3.908.2%
      Fried Chicken $0.97$1.4030.5%
      Milk $1.51$1.9623.0%
      Potatoes $2.47$3.1822.4%
      Pizza $11.99$10.3915.4%
      Beer $8.88$9.233.8%

      Health Care

      ItemKirbyNational avg.Difference
      Optometrist $93.39$106.3412.2%
      Doctor $87.00$115.2524.5%
      Dentist $90.49$98.388.0%
      Ibuprofen $7.97$9.2613.9%
      Lipitor $490.05$466.475.1%


      ItemKirbyNational avg.Difference
      Home Price $82,500.00$184,700.0055.3%
      Avg. Mortgage Payment $923.03$1,273.3227.5%
      Apartment Rent $893.00$949.005.9%


      ItemKirbyNational avg.Difference
      Gasoline $2.28$2.5912.1%
      Tire Balancing $48.00$48.901.8%


      ItemKirbyNational avg.Difference
      All Electricity$131.55$167.6021.5%
      Phone $181.89$163.4211.3%
      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.
      Marion, TX92778-22%
      Elmendorf, TX1,59682-18%
      Balcones Heights, TX3,01783-17%
      San Antonio, TX1,439,35888-12%
      Live Oak, TX15,02189-11%
      Kirby, TX8,44183-17%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Franklin, NH8,4401011%
      Westlake Village, CA8,44319595%
      Absecon, NJ8,43811111%
      Brockport, NY8,44491-9%
      Price, UT8,43788-12%
      Kirby, TX8,44183-17%
      Source: The Kirby, TX cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.