Is Garland, TX cheaper than Amarillo, TX?

Based on cost of living data, Garland, TX is 8.3% more expensive than Amarillo, TX. This translates to spending an extra $621 per month.

What salary do I need in Garland, TX to live like I do in Amarillo, TX?

If you earn $150,000 in Amarillo, TX, you'd need approximately $157,455.328 in Garland, TX to maintain the same standard of living.

How does housing cost compare between Amarillo, TX and Garland, TX?

Housing in Garland, TX is 13.1% more expensive than in Amarillo, TX. For a two-bedroom apartment, rent is $1,880/month in Garland, TX compared to $1,264/month in Amarillo, TX.

How much can I save per month by moving from Amarillo, TX to Garland, TX?

Living in Garland, TX costs approximately $621 more per month than Amarillo, TX, or $7455 more per year, based on a $150,000 salary.

Amarillo, TX vs Garland, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Amarillo, TX

Numbers update automatically as you type

You'd spend $621/month more in Garland, TX

$150.0K in your current city equals $157.5K in Garland, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 8.3%

More expensive

Monthly Impact

$621

Extra cost

Annual Impact

$7.5K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Amarillo, TX

Population:202K

Cost Index:

100

100 = national average

Median Home:$165K

Garland, TX

Population:246K

Cost Index:

108

(8% above avg)

Median Home:$273K

Amarillo, TX

The Lone Star State

202K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 202K residents.

💡 Advantage: Texas has no state income tax!

Garland, TX

The Lone Star State

246K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 246K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Amarillo, TX vs Garland, TX

Category	Amarillo, TX	Garland, TX	Difference	Change
Housing	$2,114/mo	$2,391/mo	↑ $277more	13.1%
Other	$1,670/mo	$1,774/mo	↑ $104more	6.2%
Healthcare	$548/mo	$632/mo	↑ $83.51more	15.2%
All Utilities	$506/mo	$563/mo	↑ $56.35more	11.1%
Transportation	$1,348/mo	$1,298/mo	↓ $50.49less	3.7%
Groceries	$957/mo	$979/mo	↑ $21.87more	2.3%

Housing

↑ 13.1%

Amarillo, TX

$2,114

Garland, TX

$2,391

Difference

$277

Other

↑ 6.2%

Amarillo, TX

$1,670

Garland, TX

$1,774

Difference

$104

Healthcare

↑ 15.2%

Amarillo, TX

$548

Garland, TX

$632

Difference

$83.51

All Utilities

↑ 11.1%

Amarillo, TX

$506

Garland, TX

$563

Difference

$56.35

Transportation

↓ 3.7%

Amarillo, TX

$1,348

Garland, TX

$1,298

Difference

$50.49

less

Groceries

↑ 2.3%

Amarillo, TX

$957

Garland, TX

$979

Difference

$21.87

🏠Rent Comparison

Studio

From$889

To$1,540

↑ $651

1 Bed

From$1,030

To$1,600

↑ $570

2 Bed

From$1,264

To$1,880

↑ $616

3 Bed

From$1,719

To$2,370

↑ $651

Amarillo, TXZIP-level data

1BR range: $860–$1,110/mo

Garland, TXZIP-level data

1BR range: $1,410–$1,820/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,145

Monthly in Amarillo, TX

$7,637

Monthly in Garland, TX

$492

Difference

Home Values

Amarillo

Garland

$165K

Median Value

$273K

↑ +1.3%

YoY Change

↓ -5.7%

↑ +32.4%

5-Year Change

↑ +25.8%

$106K - $375K

Price Range

$240K - $330K

Homes in Garland are 66% more expensive than Amarillo

Calculate payment - Amarillo Calculate payment - Garland

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

Same take-home

Effective Rate Diff

0.0%

Rate difference

Amarillo, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Garland, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

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

Amarillo, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Garland, 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.