Cost of Living in Spearman, TX

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13%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
41%
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 Spearman Texas National
Cost of living8794100
Groceries9998100
Health care10198100
Housing5983100
Transportation9898100
Utilities105103100
Lifestyle & Entertainment10198100
Household Items9898100
Education & Childcare9698100
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Homes For Sale In Spearman, TX

property for sale

1115 S Bernice St

Spearman, TX
property for sale

304 S Endicott St

Spearman, TX
property for sale

221 S Brandt St

Spearman, TX
property for sale

711 Gibner Dr

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

Cost Of Living Quick Facts

  • The cost of living in Spearman is 7% lower than the Texas average
  • The cost of living in Spearman is 13% lower than the national average
  • Spearman housing is 41% 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 Spearman

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Compare Spearman, TX Cost of Living

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      Utilities index
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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$87,638$7,303$2,045$2,629
      Renters$36,282$3,024$847$1,089

      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.
      Gruver, TX1,516936.6%
      Spearman, TX3,2398712.7%

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      Mountain Home AFB, ID3,2381088.2%
      Crystal River, FL3,240990.6%
      Lake Orion, MI3,2401066.2%
      Spearman, TX3,2398712.7%
      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.
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