Seguin, TX vs Sherman, TX: Cost of Living

Which city costs less?

Sherman, TX has a modeled overall cost index 20.0% higher than Seguin, TX.

Seguin, TX · modeled 2BR rent
$1,260 / month
Sherman, TX · modeled 2BR rent
$1,320 / 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 Seguin, TX and Sherman, 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 extra cost: $1,357/month in Sherman, TX

$150,000 in your current city has a modeled equivalent of $166,288 in Sherman, TX

Regional cost estimates: Seguin, TX uses San Antonio, TX. Sherman, TX uses Plano, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 20.0%
More expensive
Monthly Impact
$1,357
Extra cost
Annual Impact
$16.3K
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.

Seguin, TX

Population:36K
Cost Index:
83.7
100 = national average
Typical Home:$268K

Sherman, TX

Population:47K
Cost Index:
100.5
100 = national average
Typical Home:$245K

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Seguin, TX

The Lone Star State

36K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 36K residents.

💡 Advantage: Texas has no state income tax!

Sherman, TX

The Lone Star State

47K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 47K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Seguin, TX vs Sherman, 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
↑ 30.1%
Seguin, TX
$2,072
Sherman, TX
$2,695
Difference
$623
more
Other
↑ 20.4%
Seguin, TX
$1,806
Sherman, TX
$2,175
Difference
$369
more
Healthcare
↑ 21.8%
Seguin, TX
$602
Sherman, TX
$733
Difference
$131
more
Groceries
↑ 8.8%
Seguin, TX
$1,044
Sherman, TX
$1,136
Difference
$92.27
more
All Utilities
↑ 15.3%
Seguin, TX
$566
Sherman, TX
$653
Difference
$86.52
more
Transportation
↑ 3.9%
Seguin, TX
$1,411
Sherman, TX
$1,466
Difference
$55.28
more

🏠Rent Comparison

Studio
From$950
To$1,065
↑ $115
1 Bed
From$1,040
To$1,070
↑ $30.00
2 Bed
From$1,260
To$1,320
↑ $60.00
3 Bed
From$1,620
To$1,835
↑ $215
Seguin, TXZIP-level data

1BR range: $1,040–$1,040/mo

Sherman, TXZIP-level data

1BR range: $1,010–$1,130/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 Seguin, TX
$8,857
Monthly in Sherman, TX
$1,357
Difference

Home Values

Seguin
Sherman
$268K
Median Value
$245K
↓ -2.7%
YoY Change
↓ -6.5%
↑ +14.2%
5-Year Change
↑ +27.6%
$268K
Price Range
$204K - $287K

Homes in Sherman are 8% less expensive than Seguin

Calculate payment - SeguinCalculate payment - Sherman

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

Seguin, 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

Sherman, 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

Seguin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Sherman, 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

Seguin
Sherman
52 Moderate
Air Quality
40 Good
47.5%
Good Air Days
77.5%
99 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.6°F
2050 Outlook
▲+2.7°F
105 days
Heat Days >95°F
81 days
▲+2.6°F
2050 Outlook
▲+2.7°F
105 days
Heat Days >95°F
81 days

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

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

Frequently Asked Questions: Seguin, TX vs Sherman, TX

How do the cost estimates for Seguin, TX and Sherman, TX compare?

Sherman, TX has a modeled overall cost index 20.0% higher than Seguin, 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 Seguin, TX, the model estimates $166,288 in Sherman, 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 Seguin, TX and Sherman, TX?

The modeled two-bedroom rents are $1,260/month in Seguin, TX and $1,320/month in Sherman, 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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