Haltom City, TX vs Roswell, NM: Cost of Living

Which city costs less?

Roswell, NM has a modeled overall cost index 4.5% lower than Haltom City, TX.

Haltom City, TX · modeled 2BR rent
$1,450 / month
Roswell, NM · modeled 2BR rent
$1,180 / 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 Haltom City, TX and Roswell, NM 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: $341/month in Roswell, NM

$150,000 in your current city has a modeled equivalent of $145,904 in Roswell, NM

Regional cost estimates: Haltom City, TX uses Fort Worth, TX. Roswell, NM uses Lubbock, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 4.5%
Less expensive
Monthly Impact
$341
Savings
Annual Impact
$4.1K
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.

Haltom City, TX

Population:45K
Cost Index:
88.8
100 = national average
Typical Home:$225K

Roswell, NM

Population:47K
Cost Index:
84.8
100 = national average
Typical Home:$220K

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Haltom City, TX

The Lone Star State

45K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 45K residents.

💡 Advantage: Texas has no state income tax!

Roswell, NM

The Land of Enchantment

47K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 47K residents.

Cost Breakdown by Category

Estimated monthly spending: Haltom City, TX vs Roswell, NM

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
↓ 8.0%
Haltom City, TX
$2,106
Roswell, NM
$1,937
Difference
$169
less
Other
↓ 5.8%
Haltom City, TX
$1,805
Roswell, NM
$1,700
Difference
$105
less
Healthcare
↓ 10.9%
Haltom City, TX
$658
Roswell, NM
$586
Difference
$71.85
less
All Utilities
↓ 8.6%
Haltom City, TX
$592
Roswell, NM
$541
Difference
$50.89
less
Transportation
↑ 2.1%
Haltom City, TX
$1,344
Roswell, NM
$1,373
Difference
$28.22
more
Groceries
↑ 2.7%
Haltom City, TX
$996
Roswell, NM
$1,022
Difference
$26.84
more

🏠Rent Comparison

Studio
From$1,200
To$810
↓ $390
1 Bed
From$1,240
To$980
↓ $260
2 Bed
From$1,450
To$1,180
↓ $270
3 Bed
From$1,910
To$1,570
↓ $340
Haltom City, TXZIP-level data

1BR range: $1,240–$1,240/mo

Roswell, NMZIP-level data

1BR range: $980–$980/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 Haltom City, TX
$7,159
Monthly in Roswell, NM
$341
Difference

Home Values

Haltom City
Roswell
$225K
Median Value
$220K
↓ -6.8%
YoY Change
↑ +0.3%
↑ +26.5%
5-Year Change
↑ +18.2%

Homes in Roswell are 2% less expensive than Haltom City

Calculate payment - Haltom CityCalculate payment - Roswell

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.1K
More taxes
Monthly Difference
$589
Less take-home
Effective Rate Diff
4.7%
Rate difference

Haltom City, 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

Roswell, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

Additional Tax Information

Haltom City, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Roswell, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

💡 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

Haltom City
Roswell
54 Moderate
Air Quality
23 Good
35.5%
Good Air Days
92.2%
99 High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
☀🌪💨
▲+2.7°F
2050 Outlook
▲+3.2°F
94 days
Heat Days >95°F
78 days
▲+2.7°F
2050 Outlook
▲+3.2°F
94 days
Heat Days >95°F
78 days

Before moving from Haltom City, TX to Roswell, NM

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

  1. Compare actual homes. Get current quotes in Roswell, NM for the same bedroom count and included utilities as your home in Haltom City, 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 Haltom City to Roswell moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Haltom City, TX vs Roswell, NM

How do the cost estimates for Haltom City, TX and Roswell, NM compare?

Roswell, NM has a modeled overall cost index 4.5% lower than Haltom City, 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 Haltom City, TX, the model estimates $145,904 in Roswell, NM. 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 Haltom City, TX and Roswell, NM?

The modeled two-bedroom rents are $1,450/month in Haltom City, TX and $1,180/month in Roswell, NM. 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 New Mexico on TaxTakeHome.com

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