Cost of Living in Tool, TX

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A+
7%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
18%
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 Tool Texas National
Cost of living9394100
Groceries9798100
Health care10098100
Housing8283100
Transportation9898100
Utilities103103100
Lifestyle & Entertainment9698100
Household Items9798100
Education & Childcare9898100
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Homes For Sale In Tool, TX

property for sale

201 Waikiki Trl

Tool, TX
property for sale

1341 Waikiki Trl

Kemp, TX
property for sale

1705 S Tool Dr

Tool, TX
property for sale

713 Midway Rd

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

Cost Of Living Quick Facts

  • The cost of living in Tool is 1% lower than the Texas average
  • The cost of living in Tool is 7% lower than the national average
  • Tool housing is 18% 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 Tool

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Compare Tool, TX Cost of Living

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      Salary Calculator

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

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$83,866$6,989$1,957$2,516
      Renters$64,735$5,395$1,510$1,942

      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.
      Goodlow, TX2238119.1%
      Trinidad, TX8688317.0%
      Seven Points, TX1,3258515.4%
      Kemp, TX1,1498514.5%
      Malakoff, TX2,6528713.5%
      Tool, TX2,689936.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Okolona, MS2,6898020.4%
      Dillsburg, PA2,688964.0%
      Corinth, NY2,6901043.5%
      Massanutten, VA2,69011514.8%
      West Fork, AR2,6878910.8%
      Tool, TX2,689936.7%
      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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