Albany, TX vs Hughes Springs, TX: Cost of Living

Which city costs less?

Hughes Springs, TX has a modeled overall cost index 5.2% higher than Albany, TX.

Albany, TX · modeled 2BR rent
$970 / month
Hughes Springs, TX · modeled 2BR rent
$970 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Albany, TX and Hughes Springs, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $304/month in Hughes Springs, TX

$150,000 in your current city has a modeled equivalent of $153,646 in Hughes Springs, TX

Regional cost estimates: Albany, TX uses Fort Worth, TX. Hughes Springs, TX uses Garland, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 5.2%
More expensive
Monthly Impact
$304
Extra cost
Annual Impact
$3.6K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Albany, TX

Population:2K
Cost Index:
73.1
100 = national average
Typical Home:$154K

Hughes Springs, TX

Population:2K
Cost Index:
76.9
100 = national average
Typical Home:$164K

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Albany, TX

The Lone Star State

2K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 2K residents.

💡 Advantage: Texas has no state income tax!

Hughes Springs, TX

The Lone Star State

2K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 2K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Albany, TX vs Hughes Springs, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 5.4%
Albany, TX
$2,043
Hughes Springs, TX
$2,155
Difference
$111
more
Groceries
↑ 8.1%
Albany, TX
$1,065
Hughes Springs, TX
$1,151
Difference
$86.59
more
Transportation
↑ 4.1%
Albany, TX
$1,304
Hughes Springs, TX
$1,359
Difference
$54.08
more
Healthcare
↑ 5.7%
Albany, TX
$703
Hughes Springs, TX
$743
Difference
$39.77
more
All Utilities
↑ 4.6%
Albany, TX
$633
Hughes Springs, TX
$662
Difference
$28.84
more
Other
↓ 1.0%
Albany, TX
$1,752
Hughes Springs, TX
$1,735
Difference
$16.69
less

🏠Rent Comparison

Studio
From$760
To$740
↓ $20.00
1 Bed
From$780
To$750
↓ $30.00
2 Bed
From$970
To$970
→ $0
3 Bed
From$1,270
To$1,320
↑ $50.00
Albany, TXZIP-level data

1BR range: $780–$780/mo

Hughes Springs, TXZIP-level data

1BR range: $750–$750/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Albany, TX
$7,804
Monthly in Hughes Springs, TX
$304
Difference

Home Values

Albany
Hughes Springs
$154K
Median Value
$164K
↓ -9.7%
YoY Change
↓ -5.7%
↓ -6.9%
5-Year Change
↑ +11.8%

Homes in Hughes Springs are 6% more expensive than Albany

Calculate payment - AlbanyCalculate payment - Hughes Springs

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Albany, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Hughes Springs, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Albany, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Hughes Springs, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Albany
Hughes Springs
54 Moderate
Air Quality
55 Moderate
35.5%
Good Air Days
35.2%
99 High
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.7°F
94 days
Heat Days >95°F
84 days
▲+2.7°F
2050 Outlook
▲+2.7°F
94 days
Heat Days >95°F
84 days

Before moving from Albany, TX to Hughes Springs, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Hughes Springs, TX for the same bedroom count and included utilities as your home in Albany, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Albany to Hughes Springs moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Hughes Springs, TX by cost, housing, population and region.

Frequently Asked Questions: Albany, TX vs Hughes Springs, TX

How do the cost estimates for Albany, TX and Hughes Springs, TX compare?

Hughes Springs, TX has a modeled overall cost index 5.2% higher than Albany, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Albany, TX, the model estimates $153,646 in Hughes Springs, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Albany, TX and Hughes Springs, TX?

The modeled two-bedroom rents are $970/month in Albany, TX and $970/month in Hughes Springs, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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