River Oaks, TX vs Luling, TX: Cost of Living

Which city costs less?

Luling, TX has a modeled overall cost index 5.8% higher than River Oaks, TX.

River Oaks, TX · modeled 2BR rent
$1,450 / month
Luling, TX · modeled 2BR rent
$1,230 / 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 River Oaks, TX and Luling, 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

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Estimated extra cost: $476/month in Luling, TX

$150,000 in your current city has a modeled equivalent of $155,715 in Luling, TX

Regional cost estimates: River Oaks, TX uses Fort Worth, TX. Luling, TX uses Austin, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 5.8%
More expensive
Monthly Impact
$476
Extra cost
Annual Impact
$5.7K
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.

River Oaks, TX

Population:7K
Cost Index:
85.0
100 = national average
Typical Home:$228K

Luling, TX

Population:6K
Cost Index:
90.0
100 = national average
Typical Home:$224K

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River Oaks, TX

The Lone Star State

7K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 7K residents.

💡 Advantage: Texas has no state income tax!

Luling, TX

The Lone Star State

6K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 6K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: River Oaks, TX vs Luling, 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
↑ 26.0%
River Oaks, TX
$2,092
Luling, TX
$2,636
Difference
$544
more
Transportation
↓ 2.4%
River Oaks, TX
$1,336
Luling, TX
$1,304
Difference
$31.82
less
Groceries
↑ 3.1%
River Oaks, TX
$1,011
Luling, TX
$1,042
Difference
$31.30
more
Healthcare
↓ 4.2%
River Oaks, TX
$667
Luling, TX
$639
Difference
$28.19
less
Other
↓ 1.4%
River Oaks, TX
$1,793
Luling, TX
$1,768
Difference
$25.73
less
All Utilities
↓ 2.2%
River Oaks, TX
$601
Luling, TX
$588
Difference
$13.13
less

🏠Rent Comparison

Studio
From$1,200
To$980
↓ $220
1 Bed
From$1,240
To$1,040
↓ $200
2 Bed
From$1,450
To$1,230
↓ $220
3 Bed
From$1,910
To$1,570
↓ $340
River Oaks, TXZIP-level data

1BR range: $1,240–$1,240/mo

Luling, TXZIP-level data

1BR range: $1,040–$1,040/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 River Oaks, TX
$7,976
Monthly in Luling, TX
$476
Difference

Home Values

River Oaks
Luling
$228K
Median Value
$224K
↓ -2.6%
YoY Change
↓ -4.4%
↑ +27.7%
5-Year Change
↑ +15.5%

Homes in Luling are 2% less expensive than River Oaks

Calculate payment - River OaksCalculate payment - Luling

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

River Oaks, 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

Luling, 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

River Oaks, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Luling, 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

River Oaks
Luling
54 Moderate
Air Quality
52 Moderate
35.5%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+2.5°F
94 days
Heat Days >95°F
98 days
▲+2.7°F
2050 Outlook
▲+2.5°F
94 days
Heat Days >95°F
98 days

Before moving from River Oaks, TX to Luling, 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 Luling, TX for the same bedroom count and included utilities as your home in River Oaks, 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 River Oaks to Luling moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: River Oaks, TX vs Luling, TX

How do the cost estimates for River Oaks, TX and Luling, TX compare?

Luling, TX has a modeled overall cost index 5.8% higher than River Oaks, 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 River Oaks, TX, the model estimates $155,715 in Luling, 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 River Oaks, TX and Luling, TX?

The modeled two-bedroom rents are $1,450/month in River Oaks, TX and $1,230/month in Luling, 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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