Grand Saline, TX vs Troy, TX: Cost of Living

Which city costs less?

Troy, TX has a modeled overall cost index 0.8% lower than Grand Saline, TX.

Grand Saline, TX · modeled 2BR rent
$1,200 / month
Troy, TX · modeled 2BR rent
$1,170 / 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 Grand Saline, TX and Troy, 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: $74.63/month in Troy, TX

$150,000 in your current city has a modeled equivalent of $150,896 in Troy, TX

Regional cost estimates: Grand Saline, TX uses Garland, TX. Troy, TX uses Austin, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.8%
Less expensive
Monthly Impact
$74.63
Extra cost
Annual Impact
$896
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.

Grand Saline, TX

Population:3K
Cost Index:
86.3
100 = national average
Typical Home:$229K

Troy, TX

Population:3K
Cost Index:
85.6
100 = national average
Typical Home:$256K

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Grand Saline, TX

The Lone Star State

3K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 3K residents.

💡 Advantage: Texas has no state income tax!

Troy, TX

The Lone Star State

3K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 3K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Grand Saline, TX vs Troy, 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
↑ 17.8%
Grand Saline, TX
$2,110
Troy, TX
$2,485
Difference
$376
more
Transportation
↓ 7.6%
Grand Saline, TX
$1,330
Troy, TX
$1,229
Difference
$101
less
Healthcare
↓ 10.0%
Grand Saline, TX
$687
Troy, TX
$618
Difference
$68.55
less
Groceries
↓ 5.3%
Grand Saline, TX
$1,064
Troy, TX
$1,007
Difference
$56.65
less
All Utilities
↓ 7.1%
Grand Saline, TX
$611
Troy, TX
$568
Difference
$43.45
less
Other
↓ 1.9%
Grand Saline, TX
$1,699
Troy, TX
$1,667
Difference
$31.86
less

🏠Rent Comparison

Studio
From$900
To$930
↑ $30.00
1 Bed
From$980
To$940
↓ $40.00
2 Bed
From$1,200
To$1,170
↓ $30.00
3 Bed
From$1,600
To$1,630
↑ $30.00
Grand Saline, TXZIP-level data

1BR range: $980–$980/mo

Troy, TXZIP-level data

1BR range: $940–$940/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 Grand Saline, TX
$7,575
Monthly in Troy, TX
$74.63
Difference

Home Values

Grand Saline
Troy
$229K
Median Value
$256K
↓ -1.1%
YoY Change
↓ -3.1%
↑ +16.4%
5-Year Change
↑ +26.8%

Homes in Troy are 12% more expensive than Grand Saline

Calculate payment - Grand SalineCalculate payment - Troy

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

Grand Saline, 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

Troy, 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

Grand Saline, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Troy, 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

Grand Saline
Troy
55 Moderate
Air Quality
52 Moderate
35.2%
Good Air Days
42.6%
100 Very High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.5°F
84 days
Heat Days >95°F
98 days
▲+2.7°F
2050 Outlook
▲+2.5°F
84 days
Heat Days >95°F
98 days

Before moving from Grand Saline, TX to Troy, 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 Troy, TX for the same bedroom count and included utilities as your home in Grand Saline, 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 Grand Saline to Troy moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Grand Saline, TX vs Troy, TX

How do the cost estimates for Grand Saline, TX and Troy, TX compare?

Troy, TX has a modeled overall cost index 0.8% lower than Grand Saline, 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 Grand Saline, TX, the model estimates $150,896 in Troy, 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 Grand Saline, TX and Troy, TX?

The modeled two-bedroom rents are $1,200/month in Grand Saline, TX and $1,170/month in Troy, 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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