Emory, TX vs Valley Mills, TX: Cost of Living

Which city costs less?

Valley Mills, TX has a modeled overall cost index 5.2% lower than Emory, TX.

Emory, TX · modeled 2BR rent
$1,030 / month
Valley Mills, TX · modeled 2BR rent
$1,240 / 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 Emory, TX and Valley Mills, 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 savings: $324/month in Valley Mills, TX

$150,000 in your current city has a modeled equivalent of $146,110 in Valley Mills, TX

Regional cost estimates: Emory, TX uses Garland, TX. Valley Mills, TX uses Arlington, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 5.2%
Less expensive
Monthly Impact
$324
Savings
Annual Impact
$3.9K
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.

Emory, TX

Population:1K
Cost Index:
85.2
100 = national average
Typical Home:$304K

Valley Mills, TX

Population:1K
Cost Index:
80.7
100 = national average
Typical Home:$314K

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Emory, TX

The Lone Star State

1K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 1K residents.

💡 Advantage: Texas has no state income tax!

Valley Mills, TX

The Lone Star State

1K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 1K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Emory, TX vs Valley Mills, 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
↓ 6.5%
Emory, TX
$2,105
Valley Mills, TX
$1,967
Difference
$138
less
Other
↓ 6.2%
Emory, TX
$1,695
Valley Mills, TX
$1,590
Difference
$105
less
Transportation
↓ 3.2%
Emory, TX
$1,327
Valley Mills, TX
$1,284
Difference
$43.04
less
Groceries
↓ 1.6%
Emory, TX
$1,069
Valley Mills, TX
$1,051
Difference
$17.47
less
Healthcare
↓ 1.6%
Emory, TX
$690
Valley Mills, TX
$678
Difference
$11.27
less
All Utilities
↓ 1.6%
Emory, TX
$614
Valley Mills, TX
$604
Difference
$10.04
less

🏠Rent Comparison

Studio
From$800
To$850
↑ $50.00
1 Bed
From$940
To$1,000
↑ $60.00
2 Bed
From$1,030
To$1,240
↑ $210
3 Bed
From$1,430
To$1,600
↑ $170
Emory, TXZIP-level data

1BR range: $940–$940/mo

Valley Mills, TXZIP-level data

1BR range: $1,000–$1,000/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 Emory, TX
$7,176
Monthly in Valley Mills, TX
$324
Difference

Home Values

Emory
Valley Mills
$304K
Median Value
$314K
↓ -0.9%
YoY Change
↓ -0.4%
↑ +28.2%
5-Year Change
↑ +39.9%

Homes in Valley Mills are 3% more expensive than Emory

Calculate payment - EmoryCalculate payment - Valley Mills

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

Emory, 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

Valley Mills, 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

Emory, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Valley Mills, 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

Emory
Valley Mills
55 Moderate
Air Quality
54 Moderate
35.2%
Good Air Days
35.5%
100 Very High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.8°F
84 days
Heat Days >95°F
90 days
▲+2.7°F
2050 Outlook
▲+2.8°F
84 days
Heat Days >95°F
90 days

Before moving from Emory, TX to Valley Mills, 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 Valley Mills, TX for the same bedroom count and included utilities as your home in Emory, 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 Emory to Valley Mills moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Emory, TX vs Valley Mills, TX

How do the cost estimates for Emory, TX and Valley Mills, TX compare?

Valley Mills, TX has a modeled overall cost index 5.2% lower than Emory, 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 Emory, TX, the model estimates $146,110 in Valley Mills, 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 Emory, TX and Valley Mills, TX?

The modeled two-bedroom rents are $1,030/month in Emory, TX and $1,240/month in Valley Mills, 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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