| Index | Nacogdoches | Texas | National |
| Cost of living | 94 | 94 | 100 |
| Groceries | 100 | 98 | 100 |
| Health care | 98 | 98 | 100 |
| Housing | 81 | 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 |
Knowing the cost of living in Nacogdoches allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Nacogdoches stands at 94, marking it 6% lower than the national average.
The cost of living in Nacogdoches aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Nacogdoches residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.
Wondering if Nacogdoches is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Nacogdoches, for example, the median home price is 18.1% lower than what folks pay nationally, and monthly rent is 20.8% lower than the usual rates. Plus, income levels matter too, with Nacogdoches boasting a median household income of $53,167, which is 34.6% lower than the national average.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Nacogdoches, the housing index comes in at 18.9% lower than the national average.
Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday household expenses, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Nacogdoches, the standard sales tax rate starts at 6.25%, and the income tax rates commence at 0%.
Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Nacogdoches, healthcare costs are 1.7% lower than the national average.
The Nacogdoches cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $103,298 | $8,608 | $2,410 | $3,099 |
| Renters | $33,707 | $2,809 | $786 | $1,011 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Redfield, TX | 57 | 99 | 0.8% |
| Garrison, TX | 1,371 | 85 | 14.5% |
| Cushing, TX | 672 | 87 | 13.4% |
| Redland, TX | 1,067 | 87 | 12.8% |
| Appleby, TX | 556 | 96 | 3.8% |
| Nacogdoches, TX | 33,996 | 94 | 6.2% |
| City | Population | Cost of Living Index | National Avg. |
| Salisbury, MD | 33,988 | 105 | 4.8% |
| Northbrook, IL | 33,971 | 152 | 51.6% |
| Springfield, VA | 33,971 | 145 | 44.9% |
| Florence, KY | 33,960 | 94 | 5.9% |
| Pikesville, MD | 33,960 | 128 | 28.0% |
| Nacogdoches, TX | 33,996 | 94 | 6.2% |
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