Is Dallas, TX cheaper than Temple, TX?

Based on cost of living data, Dallas, TX is 7.1% more expensive than Temple, TX. This translates to spending an extra $535 per month.

What salary do I need in Dallas, TX to live like I do in Temple, TX?

If you earn $150,000 in Temple, TX, you'd need approximately $156,423.205 in Dallas, TX to maintain the same standard of living.

How does housing cost compare between Temple, TX and Dallas, TX?

Housing in Dallas, TX is 0.6% more expensive than in Temple, TX. For a two-bedroom apartment, rent is $1,765/month in Dallas, TX compared to $1,066/month in Temple, TX.

How much can I save per month by moving from Temple, TX to Dallas, TX?

Living in Dallas, TX costs approximately $535 more per month than Temple, TX, or $6423 more per year, based on a $150,000 salary.

Temple, TX vs Dallas, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Temple, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Temple, TX

Numbers update automatically as you type

You'd spend $535/month more in Dallas, TX

$150.0K in your current city equals $156.4K in Dallas, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 7.1%

More expensive

Monthly Impact

$535

Extra cost

Annual Impact

$6.4K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Temple, TX

Population:93K

Cost Index:100

Median Home:$187K

Dallas, TX

Population:1304K

Cost Index:107

Median Home:$292K

Temple, TX

The Lone Star State

93K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 93K residents.

💡 Advantage: Texas has no state income tax!

Dallas, TX

The Lone Star State

1.3M

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Major business center
•No state income tax
•Big Tex home

Major Industries

TechnologyFinanceEnergyTransportation

Cost Breakdown by Category

Annual spending: Temple, TX vs Dallas, TX

Category	Temple, TX	Dallas, TX	Difference	Change
📦Other	$1,593/mo	$1,774/mo	↑ $181more	11.4%
🚗Transportation	$1,175/mo	$1,298/mo	↑ $122more	10.4%
🏥Healthcare	$563/mo	$632/mo	↑ $68.86more	12.2%
🛒Groceries	$918/mo	$979/mo	↑ $61.53more	6.7%
⚡All Utilities	$518/mo	$563/mo	↑ $45.28more	8.8%
🏠Housing	$2,376/mo	$2,391/mo	↑ $14.69more	0.6%

📦Other

↑ 11.4%

Temple, TX

$1,593

Dallas, TX

$1,774

Difference

$181

🚗Transportation

↑ 10.4%

Temple, TX

$1,175

Dallas, TX

$1,298

Difference

$122

🏥Healthcare

↑ 12.2%

Temple, TX

$563

Dallas, TX

$632

Difference

$68.86

🛒Groceries

↑ 6.7%

Temple, TX

$918

Dallas, TX

$979

Difference

$61.53

⚡All Utilities

↑ 8.8%

Temple, TX

$518

Dallas, TX

$563

Difference

$45.28

🏠Housing

↑ 0.6%

Temple, TX

$2,376

Dallas, TX

$2,391

Difference

$14.69

🏠Rent Comparison

Studio

From$848

To$1,450

↑ $602

1 Bed

From$856

To$1,505

↑ $649

2 Bed

From$1,066

To$1,765

↑ $699

3 Bed

From$1,478

To$2,220

↑ $742

Temple, TXZIP-level data

1BR range: $840–$1,200/mo

Dallas, TXZIP-level data

1BR range: $1,040–$2,470/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,143

Monthly in Temple, TX

$7,637

Monthly in Dallas, TX

$494

Difference

Home Values

Temple

Dallas

$187K

Median Value

$292K

↓ -5%

YoY Change

↓ -3.1%

↑ +25.1%

5-Year Change

↑ +27.1%

$185K - $275K

Price Range

$138K - $2.01M

Homes in Dallas are 56% more expensive than Temple

Calculate payment - Temple Calculate payment - Dallas

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

Temple, 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

Dallas, 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

Temple, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Dallas, 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.