Sherman, TX vs San Luis, AZ: Cost of Living

Which city costs less?

San Luis, AZ has a modeled overall cost index 2.2% higher than Sherman, TX.

Sherman, TX · modeled 2BR rent: $1,320 / month
San Luis, AZ · modeled 2BR rent: $1,240 / 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 Sherman, TX and San Luis, AZ 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 Sherman, TX

Numbers update automatically as you type

Estimated extra cost: $379/month in San Luis, AZ

$150,000 in your current city has a modeled equivalent of $154,545 in San Luis, AZ

Regional cost estimates: Sherman, TX uses Plano, TX. San Luis, AZ uses Chula Vista, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.2%

More expensive

Monthly Impact

$379

Extra cost

Annual Impact

$4.5K

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.

Sherman, TX

Population:47K

Cost Index:

100.5

100 = national average

Typical Home:$245K

San Luis, AZ

Population:38K

Cost Index:

102.7

100 = national average

Typical Home:$257K

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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!

San Luis, AZ

The Grand Canyon State

38K

Population

State Tax

Yes

Located in Arizona, this city has a population of 38K residents.

Cost Breakdown by Category

Estimated monthly spending: Sherman, TX vs San Luis, AZ

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	Sherman, TX	San Luis, AZ	Difference	Change
Housing	$2,282/mo	$3,383/mo	↑ $1,102more	48.3%
Other	$1,841/mo	$1,361/mo	↓ $480less	26.1%
Transportation	$1,241/mo	$1,131/mo	↓ $111less	8.9%
Healthcare	$621/mo	$544/mo	↓ $77.02less	12.4%
Groceries	$962/mo	$920/mo	↓ $42.38less	4.4%
All Utilities	$553/mo	$540/mo	↓ $12.77less	2.3%

Housing

↑ 48.3%

Sherman, TX

$2,282

San Luis, AZ

$3,383

Difference

$1,102

Other

↓ 26.1%

Sherman, TX

$1,841

San Luis, AZ

$1,361

Difference

$480

less

Transportation

↓ 8.9%

Sherman, TX

$1,241

San Luis, AZ

$1,131

Difference

$111

less

Healthcare

↓ 12.4%

Sherman, TX

$621

San Luis, AZ

$544

Difference

$77.02

less

Groceries

↓ 4.4%

Sherman, TX

$962

San Luis, AZ

$920

Difference

$42.38

less

All Utilities

↓ 2.3%

Sherman, TX

$553

San Luis, AZ

$540

Difference

$12.77

less

🏠Rent Comparison

Studio

From$1,065

To$940

↓ $125

1 Bed

From$1,070

To$950

↓ $120

2 Bed

From$1,320

To$1,240

↓ $80.00

3 Bed

From$1,835

To$1,690

↓ $145

Sherman, TXZIP-level data

1BR range: $1,010–$1,130/mo

San Luis, AZZIP-level data

1BR range: $950–$950/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 Sherman, TX

$7,879

Monthly in San Luis, AZ

$379

Difference

Home Values

Sherman

San Luis

$245K

Median Value

$257K

↓ -6.5%

YoY Change

↑ +3.1%

↑ +27.6%

5-Year Change

↑ +51.9%

$204K - $287K

Price Range

$257K

Homes in San Luis are 5% more expensive than Sherman

Calculate payment - Sherman Calculate payment - San Luis

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

Rate difference

Sherman, 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

San Luis, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Sherman, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

San Luis, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 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

Sherman

San Luis

40 Good

Air Quality

71 Moderate

77.5%

Good Air Days

12.8%

99 High

Climate Risk

100 Very High

🌊🌡🌪

Top Hazards

🔥🌊🌡

▲+2.7°F

2050 Outlook

▲+2.0°F

81 days

Heat Days >95°F

1 days

▲+2.7°F

2050 Outlook

▲+2.0°F

81 days

Heat Days >95°F

1 days

Before moving from Sherman, TX to San Luis, AZ

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

Compare actual homes. Get current quotes in San Luis, AZ for the same bedroom count and included utilities as your home in Sherman, 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 Sherman to San Luis moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to San Luis, AZ by cost, housing, population and region.

Frequently Asked Questions: Sherman, TX vs San Luis, AZ

How do the cost estimates for Sherman, TX and San Luis, AZ compare?

San Luis, AZ has a modeled overall cost index 2.2% higher than Sherman, 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 Sherman, TX, the model estimates $154,545 in San Luis, AZ. 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 Sherman, TX and San Luis, AZ?

The modeled two-bedroom rents are $1,320/month in Sherman, TX and $1,240/month in San Luis, AZ. 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.

💰 See how taxes change too — compare take-home pay between Texas and Arizona on TaxTakeHome.com