| Index | Pampa | Texas | National |
| Cost of living | 85 | 94 | 100 |
| Groceries | 99 | 98 | 100 |
| Health care | 101 | 98 | 100 |
| Housing | 53 | 83 | 100 |
| Transportation | 98 | 98 | 100 |
| Utilities | 105 | 103 | 100 |
| Lifestyle & Entertainment | 101 | 98 | 100 |
| Household Items | 98 | 98 | 100 |
| Education & Childcare | 96 | 98 | 100 |
Understanding the cost of living in Pampa can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Pampa cost of living index is 85, which is 15% lower than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
Housing expenses can absorb a substantial portion of your net income, sometimes exceeding 30%. Thankfully, Pampa stands out by reporting housing costs that are 47.2% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more budget-friendly compared to the rest of the country. With such favorable housing affordability, residents of Pampa can allocate a more reasonable portion of their income to housing, allowing for greater financial flexibility.
Is Pampa affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Pampa, the median home price is 57.4% lower than the national average and monthly rent prices are 23.5% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Pampa boasting a median household income of $79,673, 2% lower than the national average.
Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.
Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Pampa, the transportation index is 1.9% lower than the national average.
Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.
The cost of living estimates displayed for Pampa are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $95,108 | $7,926 | $2,219 | $2,854 |
| Renters | $48,411 | $4,034 | $1,130 | $1,452 |
| 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. |
| Skellytown, TX | 420 | 75 | 24.8% |
| Lefors, TX | 536 | 80 | 20.1% |
| White Deer, TX | 889 | 89 | 11.5% |
| Pampa, TX | 17,743 | 85 | 14.6% |
| City | Population | Cost of Living Index | National Avg. |
| Nederland, TX | 17,748 | 95 | 4.7% |
| Sevierville, TN | 17,729 | 100 | 0.4% |
| Miramichi, NB | 17,761 | n/a | |
| Brenham, TX | 17,717 | 98 | 2.4% |
| Port Hope, ON | 17,769 | n/a | |
| Pampa, TX | 17,743 | 85 | 14.6% |
Here are the best places to live in Texas
Most Dangerous States In The US
These are the 10 cheapest cities in Texas
Check out the 10 most dangerous cities in Texas