Plano, TX vs Irving, TX: Cost of Living

Which city costs less?

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

Plano, TX · modeled 2BR rent: $2,340 / month
Irving, TX · modeled 2BR rent: $1,955 / 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 Plano, TX and Irving, 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 Plano, TX

Numbers update automatically as you type

Plano, TX and Irving, TX have similar living costs

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

Regional cost estimates: Plano, TX uses Dallas-Fort Worth-Arlington, TX Metropolitan Area. Irving, 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.

Plano, TX

Population:285K

Cost Index:

101.0

100 = national average

Typical Home:$496K

Irving, TX

Population:257K

Cost Index:

101.0

100 = national average

Typical Home:$373K

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Plano, TX

The Lone Star State

285K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 285K residents.

💡 Advantage: Texas has no state income tax!

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!

Cost Breakdown by Category

Estimated monthly spending: Plano, TX vs Irving, 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	Plano, TX	Irving, 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%

Plano, TX

$2,348

Irving, TX

$2,348

Difference

same

Groceries

→ 0.0%

Plano, TX

$962

Irving, TX

$962

Difference

same

Transportation

→ 0.0%

Plano, TX

$1,274

Irving, TX

$1,274

Difference

same

All Utilities

→ 0.0%

Plano, TX

$553

Irving, TX

$553

Difference

same

Healthcare

→ 0.0%

Plano, TX

$621

Irving, TX

$621

Difference

same

Other

→ 0.0%

Plano, TX

$1,743

Irving, TX

$1,743

Difference

same

🏠Rent Comparison

Studio

From$1,915

To$1,600

↓ $315

1 Bed

From$2,000

To$1,665

↓ $335

2 Bed

From$2,340

To$1,955

↓ $385

3 Bed

From$2,945

To$2,460

↓ $485

Plano, TXZIP-level data

1BR range: $1,770–$2,200/mo

Irving, TXZIP-level data

1BR range: $1,470–$2,320/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 Plano, TX

$7,500

Monthly in Irving, TX

Difference

Home Values

Plano

Irving

$496K

Median Value

$373K

↓ -5%

YoY Change

↓ -2.5%

↑ +35%

5-Year Change

↑ +33.3%

$361K - $725K

Price Range

$282K - $631K

Homes in Irving are 25% less expensive than Plano

Calculate payment - Plano Calculate payment - Irving

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

Plano, 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

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

Additional Tax Information

Plano, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Irving, 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Plano, TX

17/100

1.3% sidewalk tags · 1.2% cycling tags

Irving, TX: No data yet

Environment

Plano

Irving

40 Good

Air Quality

55 Moderate

77.5%

Good Air Days

35.2%

99 High

Climate Risk

100 Very High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.7°F

2050 Outlook

▲+2.8°F

81 days

Heat Days >95°F

92 days

▲+2.7°F

2050 Outlook

▲+2.8°F

81 days

Heat Days >95°F

92 days

Before moving from Plano, TX to Irving, TX

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

Compare actual homes. Get current quotes in Irving, TX for the same bedroom count and included utilities as your home in Plano, 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 Plano to Irving moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Plano, TX vs Irving, TX

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

Plano, TX and Irving, 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 Plano, TX, the model estimates $150,000 in Irving, 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 Plano, TX and Irving, TX?

The modeled two-bedroom rents are $2,340/month in Plano, TX and $1,955/month in Irving, 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.