Cost of Living in Smithville, TX

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A+
2%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
10%
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 Smithville Texas National
Cost of living9894100
Groceries10098100
Health care10298100
Housing9083100
Transportation9998100
Utilities109103100
Lifestyle & Entertainment10398100
Household Items9998100
Education & Childcare10398100
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Homes For Sale In Smithville, TX

property for sale

127 Marina Rd

Smithville, TX
property for sale

133 Roundup Rdg

Smithville, TX
property for sale

TBD Easley Rd

, TX
property for sale

213 Joe Cole Ln

Smithville, TX
See the Newest Homes For Sale In Smithville, TX

Cost Of Living Quick Facts

  • The cost of living in Smithville is 4% higher than the Texas average
  • The cost of living in Smithville is 2% lower than the national average
  • Smithville housing is 10% 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 Smithville

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      Salary Calculator

      This is how much you would need to earn in
      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$129,307$10,776$3,017$3,880
      Renters$50,280$4,190$1,173$1,509
      A good way to judge both the affordability of the housing and the cost of living in Smithville 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. Smithville has a median income of about $129,307 for people who own homes. Based on that number, a maximum of $3,017 should be spent on expenses related to housing. Renters have a slightly different median income, which is $50,280. Based on this average, renters should spend no more than $1,173 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.
      Camp Swift, TX6,6888911.2%
      Giddings, TX5,206918.5%
      Circle D-KC Estates, TX2,8191010.6%
      Bastrop, TX9,4331077.3%
      Smithville, TX4,596981.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Manlius, NY4,5961087.8%
      Perryville, MD4,59511212.1%
      Rockford, MN4,5951021.7%
      Spurgeon, TN4,595955.3%
      Belton, SC4,5978812.3%
      Smithville, TX4,596981.9%
      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.
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