| Index | Roma | Texas | National |
| Cost of living | 81 | 94 | 100 |
| Groceries | 99 | 98 | 100 |
| Health care | 99 | 98 | 100 |
| Housing | 42 | 83 | 100 |
| Transportation | 96 | 98 | 100 |
| Utilities | 102 | 103 | 100 |
| Lifestyle & Entertainment | 99 | 98 | 100 |
| Household Items | 96 | 98 | 100 |
| Education & Childcare | 96 | 98 | 100 |
Knowing the cost of living in Roma 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 Roma stands at 81, marking it 19% lower than the national average.
It's not uncommon for housing expenses to eat up a substantial portion of your income, oten exceeding 30%. The good news is that Roma stands out by reporting housing costs that are 57.7% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more affordable compared to the rest of the country. This favorable housing situation allows residents to allocate a more manageable portion of their income to housing, resulting in greater financial flexibility.
Is Roma an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Roma, the median home price is 59.5% lower than what most folks pay across the country, and monthly rent prices are 53.3% lower than the usual rates. Income levels in Roma come in at $34,340, which is 57.8% lower than the national average.
Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Roma comes in at 2.1% higher than the national average.
Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Roma, the groceries index is 1.3% lower than the national average.
Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Roma, the prevailing sales tax rate starts at 6.25%, and income tax rates kick off at 0%.
The Roma 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.
| 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 | $44,914 | $3,743 | $1,048 | $1,348 |
| Renters | $25,063 | $2,089 | $585 | $752 |
| 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. |
| Santel, TX | 12 | 98 | 1.9% |
| La Minita, TX | 106 | 98 | 1.9% |
| Los Lobos, TX | 0 | 98 | 1.9% |
| Pena, TX | 102 | 98 | 1.9% |
| Salineño, TX | 164 | 98 | 1.9% |
| Roma, TX | 11,681 | 81 | 18.6% |
| City | Population | Cost of Living Index | National Avg. |
| Beachwood, NJ | 11,679 | 122 | 22.2% |
| Martensville, SK | 11,678 | n/a | |
| North Dumfries, ON | 11,684 | n/a | |
| Ravenna, OH | 11,685 | 86 | 13.8% |
| Campbellsville, KY | 11,676 | 89 | 11.2% |
| Roma, TX | 11,681 | 81 | 18.6% |
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