Carrizo Springs, TX vs Spencer, OK: Cost of Living

Which city costs less?

Spencer, OK has a modeled overall cost index 0.2% higher than Carrizo Springs, TX.

Carrizo Springs, TX · modeled 2BR rent
$1,010 / month
Spencer, OK · modeled 2BR rent
$1,300 / 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 Carrizo Springs, TX and Spencer, OK 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

$
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Estimated savings: $93.96/month in Spencer, OK

$150,000 in your current city has a modeled equivalent of $148,873 in Spencer, OK

Regional cost estimates: Carrizo Springs, TX uses Laredo, TX. Spencer, OK uses Oklahoma City, OK. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.2%
More expensive
Monthly Impact
$93.96
Savings
Annual Impact
$1.1K
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.

Carrizo Springs, TX

Population:5K
Cost Index:
77.1
100 = national average
Typical Home:$132K

Spencer, OK

Population:4K
Cost Index:
77.2
100 = national average
Typical Home:$134K

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Carrizo Springs, TX

The Lone Star State

5K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 5K residents.

💡 Advantage: Texas has no state income tax!

Spencer, OK

The Sooner State

4K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Carrizo Springs, TX vs Spencer, OK

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.

Transportation
↓ 7.7%
Carrizo Springs, TX
$1,526
Spencer, OK
$1,408
Difference
$118
less
Housing
↑ 6.2%
Carrizo Springs, TX
$1,806
Spencer, OK
$1,918
Difference
$112
more
Other
↓ 4.7%
Carrizo Springs, TX
$1,850
Spencer, OK
$1,762
Difference
$87.33
less
Groceries
↓ 4.5%
Carrizo Springs, TX
$1,108
Spencer, OK
$1,058
Difference
$49.66
less
Healthcare
↑ 6.1%
Carrizo Springs, TX
$611
Spencer, OK
$649
Difference
$37.39
more
All Utilities
↑ 1.9%
Carrizo Springs, TX
$599
Spencer, OK
$611
Difference
$11.64
more

🏠Rent Comparison

Studio
From$790
To$980
↑ $190
1 Bed
From$920
To$1,060
↑ $140
2 Bed
From$1,010
To$1,300
↑ $290
3 Bed
From$1,400
To$1,750
↑ $350
Carrizo Springs, TXZIP-level data

1BR range: $920–$920/mo

Spencer, OKZIP-level data

1BR range: $1,060–$1,060/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 Carrizo Springs, TX
$7,406
Monthly in Spencer, OK
$93.96
Difference

Home Values

Carrizo Springs
Spencer
$132K
Median Value
$134K
↓ -5.6%
YoY Change
↓ -3.7%
↓ -6.3%
5-Year Change
↑ +35.6%

Homes in Spencer are 1% more expensive than Carrizo Springs

Calculate payment - Carrizo SpringsCalculate payment - Spencer

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.3K
More taxes
Monthly Difference
$607
Less take-home
Effective Rate Diff
4.9%
Rate difference

Carrizo 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

Spencer, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Carrizo Springs, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Spencer, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

💡 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

Carrizo Springs
Spencer
45 Good
Air Quality
52 Moderate
57.7%
Good Air Days
47%
89 Moderate
Climate Risk
98 High
🌡
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+3.1°F
151 days
Heat Days >95°F
67 days
▲+2.7°F
2050 Outlook
▲+3.1°F
151 days
Heat Days >95°F
67 days

Before moving from Carrizo Springs, TX to Spencer, OK

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

  1. Compare actual homes. Get current quotes in Spencer, OK for the same bedroom count and included utilities as your home in Carrizo Springs, 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 Carrizo Springs to Spencer moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Spencer, OK by cost, housing, population and region.

Frequently Asked Questions: Carrizo Springs, TX vs Spencer, OK

How do the cost estimates for Carrizo Springs, TX and Spencer, OK compare?

Spencer, OK has a modeled overall cost index 0.2% higher than Carrizo Springs, 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 Carrizo Springs, TX, the model estimates $148,873 in Spencer, OK. 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 Carrizo Springs, TX and Spencer, OK?

The modeled two-bedroom rents are $1,010/month in Carrizo Springs, TX and $1,300/month in Spencer, OK. 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.

💰 See how taxes change too — compare take-home pay between Texas and Oklahoma on TaxTakeHome.com

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