Cost of Living in Whitesboro, TX

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A+
6%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
15%
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 Whitesboro Texas National
Cost of living9494100
Groceries9798100
Health care10198100
Housing8583100
Transportation9798100
Utilities100103100
Lifestyle & Entertainment10098100
Household Items9998100
Education & Childcare9698100
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Homes For Sale In Whitesboro, TX

property for sale

Tract 2 2nd St

Whitesboro, TX
property for sale

6 Sadler Rd

Whitesboro, TX
property for sale

TBD LOT 4 Sadler Rd

Whitesboro, TX
property for sale

1371 County Road 130

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

Cost Of Living Quick Facts

  • The cost of living in Whitesboro is equal to the Texas average
  • The cost of living in Whitesboro is 6% lower than the national average
  • Whitesboro housing is 15% 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 Whitesboro

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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$100,102$8,342$2,336$3,003
      Renters$116,984$9,749$2,729$3,510
      The affordability of the housing market in Whitesboro, TX as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Whitesboro homeowners, the median income is $100,102. This indicates that a monthly maximum of $2,336 should be spent by homeowners on all housing related costs. Renters have a median income of $116,984. This indicates that renters would have a maximum of $2,729 for their rent related monthly costs.

      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.
      Thackerville, OK4088317.1%
      Sherwood Shores, TX6728514.8%
      Southmayd, TX1,5598712.8%
      Sadler, TX5018911.3%
      Gainesville, TX16,9228811.6%
      Whitesboro, TX4,165945.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Herricks, NY4,16518584.8%
      Garden Ridge, TX4,16414848.3%
      Mosinee, WI4,166919.2%
      Stilwell, OK4,1637920.8%
      Granite Hills, CA4,16718585.5%
      Whitesboro, TX4,165945.7%
      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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