A+
6%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
16%
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 Seguin Texas National
Cost of living9494100
Groceries9798100
Health care9998100
Housing8483100
Transportation9698100
Utilities103103100
Lifestyle & Entertainment9598100
Household Items9898100
Education & Childcare9998100
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An Overview of Cost of Living in Seguin, TX

The cost of living in Seguin affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Seguin is 94, which is 6% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Seguin are priced in a manner consistent with other areas. This means that residents of Seguin can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

Is Seguin Affordable?

Is Seguin 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 Seguin, the median home price is 20.8% lower than the national average and monthly rent prices are 3.4% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Seguin boasting a median household income of $73,022, 10.2% lower than the national average.

What Factors can Influence the Cost of Living in Seguin?

Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Seguin, healthcare costs are 1.2% lower than the national average.

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Seguin, the groceries index is 2.7% lower than the national average.

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Seguin, is 15.6% lower than the national average.

Where is the Data From?

The cost of living estimates displayed for Seguin 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 Quick Facts

  • The cost of living in Seguin is equal to the Texas average
  • The cost of living in Seguin is 6% lower than the national average
  • Seguin housing is 16% 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

Most Affordable Places to Live in and Around Seguin

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Compare Seguin, 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$90,460$7,538$2,111$2,714
      Renters$52,905$4,409$1,234$1,587
      To approximate the cost of living and the housing affordability in Seguin, TX, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Seguin have a median income of $90,460. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,111 per month to avoid calamity and poverty. The renters in the city have an income of about $52,905, which would make their monthly maximum allowable rental costs $1,234.

      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%

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      Staples, TX185982.4%
      Seguin, TX30,071946.2%

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      Austintown, OH30,1228614.4%
      Seguin, TX30,071946.2%
      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.