Is Amarillo, TX cheaper than Irving, TX?

Based on cost of living data, Amarillo, TX is 7.6% cheaper than Irving, TX. This translates to saving $574 per month.

What salary do I need in Amarillo, TX to live like I do in Irving, TX?

If you earn $150,000 in Irving, TX, you'd need approximately $143,115.005 in Amarillo, TX to maintain the same standard of living.

How does housing cost compare between Irving, TX and Amarillo, TX?

Housing in Amarillo, TX is 11.6% cheaper than in Irving, TX. For a two-bedroom apartment, rent is $1,264/month in Amarillo, TX compared to $1,955/month in Irving, TX.

How much can I save per month by moving from Irving, TX to Amarillo, TX?

Moving from Irving, TX to Amarillo, TX could save you approximately $574 per month, or $6885 per year, based on a $150,000 salary.

Irving, TX vs Amarillo, 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 Irving, TX

Numbers update automatically as you type

You'd save $574/month moving to Amarillo, TX

$150.0K in your current city equals $143.1K in Amarillo, TX

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

Overall Cost

↓ 7.6%

Less expensive

Monthly Impact

$574

Savings

Annual Impact

$6.9K

Per year

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

Irving, TX

Population:257K

Cost Index:

100

100 = national average

Median Home:$373K

Amarillo, TX

Population:202K

Cost Index:

(8% below avg)

Median Home:$165K

Irving, TX

The Lone Star State

257K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 257K residents.

💡 Advantage: Texas has no state income tax!

Amarillo, TX

The Lone Star State

202K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 202K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Irving, TX vs Amarillo, TX

Category	Irving, TX	Amarillo, TX	Difference	Change
Housing	$2,391/mo	$2,114/mo	↓ $277less	11.6%
Other	$1,774/mo	$1,670/mo	↓ $104less	5.9%
Healthcare	$632/mo	$548/mo	↓ $83.51less	13.2%
All Utilities	$563/mo	$506/mo	↓ $56.35less	10.0%
Transportation	$1,298/mo	$1,348/mo	↑ $50.49more	3.9%
Groceries	$979/mo	$957/mo	↓ $21.87less	2.2%

Housing

↓ 11.6%

Irving, TX

$2,391

Amarillo, TX

$2,114

Difference

$277

less

Other

↓ 5.9%

Irving, TX

$1,774

Amarillo, TX

$1,670

Difference

$104

less

Healthcare

↓ 13.2%

Irving, TX

$632

Amarillo, TX

$548

Difference

$83.51

less

All Utilities

↓ 10.0%

Irving, TX

$563

Amarillo, TX

$506

Difference

$56.35

less

Transportation

↑ 3.9%

Irving, TX

$1,298

Amarillo, TX

$1,348

Difference

$50.49

Groceries

↓ 2.2%

Irving, TX

$979

Amarillo, TX

$957

Difference

$21.87

less

🏠Rent Comparison

Studio

From$1,600

To$889

↓ $711

1 Bed

From$1,665

To$1,030

↓ $635

2 Bed

From$1,955

To$1,264

↓ $691

3 Bed

From$2,460

To$1,719

↓ $741

Irving, TXZIP-level data

1BR range: $1,470–$2,320/mo

Amarillo, TXZIP-level data

1BR range: $860–$1,110/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 Irving, TX

$7,145

Monthly in Amarillo, TX

$492

Difference

Home Values

Irving

Amarillo

$373K

Median Value

$165K

↓ -2.5%

YoY Change

↑ +1.3%

↑ +33.3%

5-Year Change

↑ +32.4%

$282K - $631K

Price Range

$106K - $375K

Homes in Amarillo are 56% less expensive than Irving

Calculate payment - Irving Calculate payment - Amarillo

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

Irving, 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

Amarillo, 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

Irving, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Amarillo, 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.