Is Killeen, TX cheaper than Garland, TX?

Based on cost of living data, Killeen, TX is 4.7% cheaper than Garland, TX. This translates to saving $351 per month.

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

If you earn $150,000 in Garland, TX, you'd need approximately $145,793.952 in Killeen, TX to maintain the same standard of living.

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

Housing in Killeen, TX is 1.5% more expensive than in Garland, TX. For a two-bedroom apartment, rent is $898/month in Killeen, TX compared to $1,880/month in Garland, TX.

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

Moving from Garland, TX to Killeen, TX could save you approximately $351 per month, or $4206 per year, based on a $150,000 salary.

Garland, TX vs Killeen, 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 Garland, TX

Numbers update automatically as you type

You'd save $351/month moving to Killeen, TX

$150.0K in your current city equals $145.8K in Killeen, TX

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 4.7%

Less expensive

Monthly Impact

$351

Savings

Annual Impact

$4.2K

Per year

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

Garland, TX

Population:246K

Cost Index:

100

100 = national average

Median Home:$273K

Killeen, TX

Population:160K

Cost Index:

(5% below avg)

Median Home:$118K

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!

Killeen, TX

The Lone Star State

160K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 160K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Garland, TX vs Killeen, TX

Category	Garland, TX	Killeen, TX	Difference	Change
Other	$1,774/mo	$1,627/mo	↓ $147less	8.3%
Transportation	$1,298/mo	$1,200/mo	↓ $97.44less	7.5%
Healthcare	$632/mo	$569/mo	↓ $62.90less	10.0%
Groceries	$979/mo	$927/mo	↓ $51.81less	5.3%
All Utilities	$563/mo	$523/mo	↓ $39.80less	7.1%
Housing	$2,391/mo	$2,427/mo	↑ $35.92more	1.5%

Other

↓ 8.3%

Garland, TX

$1,774

Killeen, TX

$1,627

Difference

$147

less

Transportation

↓ 7.5%

Garland, TX

$1,298

Killeen, TX

$1,200

Difference

$97.44

less

Healthcare

↓ 10.0%

Garland, TX

$632

Killeen, TX

$569

Difference

$62.90

less

Groceries

↓ 5.3%

Garland, TX

$979

Killeen, TX

$927

Difference

$51.81

less

All Utilities

↓ 7.1%

Garland, TX

$563

Killeen, TX

$523

Difference

$39.80

less

Housing

↑ 1.5%

Garland, TX

$2,391

Killeen, TX

$2,427

Difference

$35.92

🏠Rent Comparison

Studio

From$1,540

To$715

↓ $825

1 Bed

From$1,600

To$723

↓ $877

2 Bed

From$1,880

To$898

↓ $982

3 Bed

From$2,370

To$1,247

↓ $1,123

Garland, TXZIP-level data

1BR range: $1,410–$1,820/mo

Killeen, TXZIP-level data

1BR range: $910–$910/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.

$7,637

Monthly in Garland, TX

$7,274

Monthly in Killeen, TX

$363

Difference

Home Values

Garland

Killeen

$273K

Median Value

$118K

↓ -5.7%

YoY Change

↓ -4.5%

↑ +25.8%

5-Year Change

↑ +31.2%

$240K - $330K

Price Range

$118K

Homes in Killeen are 57% less expensive than Garland

Calculate payment - Garland Calculate payment - Killeen

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

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

Killeen, 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

Garland, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Killeen, 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.