Cost Of Living in Santa Cruz, TX

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A+

2%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

100%

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	Santa Cruz	Texas	National
Cost of living	98	94	100
Groceries	99	98	100
Health care	99	98	100
Housing	n/a	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

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Cost Of Living Quick Facts

The cost of living in Santa Cruz is 4% higher than the Texas average
The cost of living in Santa Cruz is 2% lower than the national average
Santa Cruz housing is 11% lower 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

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$0	$0	$0	$0
Renters	$0	$0	$0	$0

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.
Garceno, TX	310	98	1.9%
Rivereno, TX	30	98	1.9%
Olivia Lopez de Gutierrez, TX	30	98	1.9%
Pena, TX	102	98	1.9%
Cuevitas, TX	0	98	1.9%
Santa Cruz, TX	211	98	1.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Bear Valley, CA	211	125	24.5%
Glen Ridge, FL	211	135	34.6%
Coulter, IA	211	80	20.5%
Sherrill, IA	211	97	3.4%
Bloomington, ID	211	118	17.7%
Santa Cruz, TX	211	98	1.9%