B
14%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
47%
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 Sachse Texas National
Cost of living11494100
Groceries9998100
Health care10098100
Housing14783100
Transportation9898100
Utilities103103100
Lifestyle & Entertainment9898100
Household Items10098100
Education & Childcare10098100
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An Overview of Cost of Living in Sachse, TX

Are you thinking about relocating, but curious about the potential cost of living in Sachse? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Sachse stands at 114, making it 14% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

When it comes to the cost of living in Sachse, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 46.8% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Is Sachse Affordable?

Wondering if Sachse 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 Sachse, for example, the median home price is 44.8% higher than what folks pay nationally, and monthly rent is 51.6% higher than the usual rates. Plus, income levels matter too, with Sachse boasting a median household income of $163,921, which is 101.5% higher than the national average.

What Factors can Influence the Cost of Living in Sachse?

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Sachse, the transportation index stands at 1.8% lower than the national average.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Sachse, the groceries index is 1.2% lower than the national average.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety 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 farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Where is the Data From?

The cost of living data for Sachse shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Sachse is 21% higher than the Texas average
  • The cost of living in Sachse is 14% higher than the national average
  • Sachse housing is 47% higher 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

Most Affordable Places to Live in and Around Sachse

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Compare Sachse, TX Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$164,970$13,748$3,849$4,950
      Renters$87,667$7,306$2,045$2,630
      A good way to judge both the affordability of the housing and the cost of living in Sachse is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Sachse has a median income of about $164,970 for people who own homes. Based on that number, a maximum of $3,849 should be spent on expenses related to housing. Renters have a slightly different median income, which is $87,667. Based on this average, renters should spend no more than $2,045 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      St. Paul CDP, TX6088019.8%
      St. Paul, TX1,4078019.7%
      Mesquite CDP, TX6478118.9%
      Mobile City, TX213982.1%
      Mesquite, TX148,020981.8%
      Sachse, TX26,43511413.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Asheboro, NC26,4308910.7%
      Starkville, MS26,447954.6%
      Hanahan, SC26,4501109.6%
      Reedley, CA26,41711716.9%
      Kankakee, IL26,4618811.7%
      Sachse, TX26,43511413.7%
      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.