| Index | Tyler | Texas | National |
| Cost of living | 97 | 94 | 100 |
| Groceries | 100 | 98 | 100 |
| Health care | 97 | 98 | 100 |
| Housing | 92 | 83 | 100 |
| Transportation | 100 | 98 | 100 |
| Utilities | 102 | 103 | 100 |
| Lifestyle & Entertainment | 99 | 98 | 100 |
| Household Items | 98 | 98 | 100 |
| Education & Childcare | 99 | 98 | 100 |
Understanding the cost of living in Tyler can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Tyler cost of living index is 97, which is 3% lower than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
The cost of living in Tyler aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Tyler residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.
When it comes to knowing a city, its residents are the experts. We conducted a survey with 9 locals to understand their opinions on the cost of living in Tyler. The results indicated that 44% found it reasonably priced with decreasing prices of goods and services, while 56% viewed it as quite expensive, with increasing prices.
Is Tyler an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Tyler, the median home price is 10.3% lower than what most folks pay across the country, and monthly rent prices are 1.1% lower than the usual rates. Income levels in Tyler come in at $80,671, which is 0.8% lower than the national average.
Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday household expenses, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Tyler, the standard sales tax rate starts at 6.25%, and the income tax rates commence at 0%.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Tyler, the utilities index registers at 2.2% higher than the national average.
Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Tyler, the transportation index is 0.1% lower than the national average.
The Tyler cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $105,300 | $8,775 | $2,457 | $3,159 |
| Renters | $58,562 | $4,880 | $1,366 | $1,757 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Arp, TX | 1,445 | 87 | 12.8% |
| Winona, TX | 649 | 88 | 12.5% |
| Troup, TX | 2,079 | 89 | 10.8% |
| New Chapel Hill, TX | 732 | 91 | 9.0% |
| Chandler, TX | 3,175 | 97 | 2.7% |
| Tyler, TX | 109,766 | 97 | 2.7% |
| City | Population | Cost of Living Index | National Avg. |
| St. John's, NL | 109,566 | n/a | |
| West Covina, CA | 109,502 | 165 | 64.6% |
| Davie, FL | 109,448 | 126 | 26.1% |
| Santa Maria, CA | 109,248 | 138 | 37.8% |
| Highlands Ranch, CO | 110,471 | 152 | 51.9% |
| Tyler, TX | 109,766 | 97 | 2.7% |
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