Mount Vernon, TX vs Shallowater, TX: Cost of Living

Which city costs less?

Shallowater, TX has a modeled overall cost index 5.6% lower than Mount Vernon, TX.

Mount Vernon, TX · modeled 2BR rent
$1,090 / month
Shallowater, TX · modeled 2BR rent
$1,160 / 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 Mount Vernon, TX and Shallowater, 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 savings: $386/month in Shallowater, TX

$150,000 in your current city has a modeled equivalent of $145,366 in Shallowater, TX

Regional cost estimates: Mount Vernon, TX uses Garland, TX. Shallowater, TX uses Lubbock, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 5.6%
Less expensive
Monthly Impact
$386
Savings
Annual Impact
$4.6K
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.

Mount Vernon, TX

Population:3K
Cost Index:
82.3
100 = national average
Typical Home:$270K

Shallowater, TX

Population:3K
Cost Index:
77.6
100 = national average
Typical Home:$290K

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Mount Vernon, 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!

Shallowater, 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: Mount Vernon, TX vs Shallowater, 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
↓ 9.3%
Mount Vernon, TX
$2,093
Shallowater, TX
$1,899
Difference
$194
less
Healthcare
↓ 14.0%
Mount Vernon, TX
$698
Shallowater, TX
$600
Difference
$97.89
less
All Utilities
↓ 10.9%
Mount Vernon, TX
$622
Shallowater, TX
$554
Difference
$67.46
less
Groceries
↓ 3.1%
Mount Vernon, TX
$1,082
Shallowater, TX
$1,048
Difference
$34.03
less
Transportation
↑ 2.0%
Mount Vernon, TX
$1,320
Shallowater, TX
$1,346
Difference
$25.85
more
Other
↓ 1.1%
Mount Vernon, TX
$1,686
Shallowater, TX
$1,667
Difference
$18.30
less

🏠Rent Comparison

Studio
From$850
To$810
↓ $40.00
1 Bed
From$870
To$980
↑ $110
2 Bed
From$1,090
To$1,160
↑ $70.00
3 Bed
From$1,310
To$1,610
↑ $300
Mount Vernon, TXZIP-level data

1BR range: $870–$870/mo

Shallowater, TXZIP-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 Mount Vernon, TX
$7,114
Monthly in Shallowater, TX
$386
Difference

Home Values

Mount Vernon
Shallowater
$270K
Median Value
$290K
↓ -1.7%
YoY Change
↑ +2%
↑ +29.8%
5-Year Change
↑ +20.2%

Homes in Shallowater are 7% more expensive than Mount Vernon

Calculate payment - Mount VernonCalculate payment - Shallowater

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

Mount Vernon, 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

Shallowater, 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

Mount Vernon, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Shallowater, 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

Mount Vernon
Shallowater
55 Moderate
Air Quality
23 Good
35.2%
Good Air Days
92.2%
100 Very High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
☀🌪💨
▲+2.7°F
2050 Outlook
▲+3.2°F
84 days
Heat Days >95°F
78 days
▲+2.7°F
2050 Outlook
▲+3.2°F
84 days
Heat Days >95°F
78 days

Before moving from Mount Vernon, TX to Shallowater, 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 Shallowater, TX for the same bedroom count and included utilities as your home in Mount Vernon, 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 Mount Vernon to Shallowater moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mount Vernon, TX vs Shallowater, TX

How do the cost estimates for Mount Vernon, TX and Shallowater, TX compare?

Shallowater, TX has a modeled overall cost index 5.6% lower than Mount Vernon, 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 Mount Vernon, TX, the model estimates $145,366 in Shallowater, 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 Mount Vernon, TX and Shallowater, TX?

The modeled two-bedroom rents are $1,090/month in Mount Vernon, TX and $1,160/month in Shallowater, 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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