Irving, TX vs Fort Worth, TX: Cost of Living

Which city costs less?

Irving, TX and Fort Worth, TX have about the same overall cost index in our saved model.

Irving, TX · modeled 2BR rent: $1,955 / month
Fort Worth, TX · modeled 2BR rent: $1,620 / 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 Irving, TX and Fort Worth, 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

Current salary in Irving, TX

Numbers update automatically as you type

Irving, TX and Fort Worth, TX have similar living costs

$150,000 in your current city has a modeled equivalent of $150,000 in Fort Worth, TX

Regional cost estimates: Irving, TX uses Dallas-Fort Worth-Arlington, TX Metropolitan Area. Fort Worth, TX uses Dallas-Fort Worth-Arlington, TX Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

→ 0.0%

Same cost

Monthly Impact

No change

Annual Impact

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.

Irving, TX

Population:257K

Cost Index:

101.0

100 = national average

Typical Home:$373K

Fort Worth, TX

Population:919K

Cost Index:

101.0

100 = national average

Typical Home:$263K

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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!

Fort Worth, TX

The Lone Star State

919K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 919K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Irving, TX vs Fort Worth, 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.

Category	Irving, TX	Fort Worth, TX	Difference	Change
Housing	$2,348/mo	$2,348/mo	→ $0	0.0%
Groceries	$962/mo	$962/mo	→ $0	0.0%
Transportation	$1,274/mo	$1,274/mo	→ $0	0.0%
All Utilities	$553/mo	$553/mo	→ $0	0.0%
Healthcare	$621/mo	$621/mo	→ $0	0.0%
Other	$1,743/mo	$1,743/mo	→ $0	0.0%

Housing

→ 0.0%

Irving, TX

$2,348

Fort Worth, TX

$2,348

Difference

same

Groceries

→ 0.0%

Irving, TX

$962

Fort Worth, TX

$962

Difference

same

Transportation

→ 0.0%

Irving, TX

$1,274

Fort Worth, TX

$1,274

Difference

same

All Utilities

→ 0.0%

Irving, TX

$553

Fort Worth, TX

$553

Difference

same

Healthcare

→ 0.0%

Irving, TX

$621

Fort Worth, TX

$621

Difference

same

Other

→ 0.0%

Irving, TX

$1,743

Fort Worth, TX

$1,743

Difference

same

🏠Rent Comparison

Studio

From$1,600

To$1,340

↓ $260

1 Bed

From$1,665

To$1,390

↓ $275

2 Bed

From$1,955

To$1,620

↓ $335

3 Bed

From$2,460

To$2,140

↓ $320

Irving, TXZIP-level data

1BR range: $1,470–$2,320/mo

Fort Worth, TXZIP-level data

1BR range: $1,170–$2,210/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 Irving, TX

$7,500

Monthly in Fort Worth, TX

Difference

Home Values

Irving

Fort Worth

$373K

Median Value

$263K

↓ -2.5%

YoY Change

↓ -3.7%

↑ +33.3%

5-Year Change

↑ +27.5%

$282K - $631K

Price Range

$161K - $673K

Homes in Fort Worth are 30% less expensive than Irving

Calculate payment - Irving Calculate payment - Fort Worth

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

Fort Worth, 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%

Fort Worth, 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

Irving

Fort Worth

55 Moderate

Air Quality

54 Moderate

35.2%

Good Air Days

35.5%

100 Very High

Climate Risk

99 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.8°F

2050 Outlook

▲+2.7°F

92 days

Heat Days >95°F

94 days

▲+2.8°F

2050 Outlook

▲+2.7°F

92 days

Heat Days >95°F

94 days

Before moving from Irving, TX to Fort Worth, TX

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

Compare actual homes. Get current quotes in Fort Worth, TX for the same bedroom count and included utilities as your home in Irving, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Irving to Fort Worth moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Irving, TX vs Fort Worth, TX

How do the cost estimates for Irving, TX and Fort Worth, TX compare?

Irving, TX and Fort Worth, TX have about the same overall cost index in our saved model. 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 Irving, TX, the model estimates $150,000 in Fort Worth, 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 Irving, TX and Fort Worth, TX?

The modeled two-bedroom rents are $1,955/month in Irving, TX and $1,620/month in Fort Worth, 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.