Texas City, TX vs Temple, TX: Cost of Living

Which city costs less?

Temple, TX has a modeled overall cost index 7.7% higher than Texas City, TX.

Texas City, TX · modeled 2BR rent
$1,390 / month
Temple, TX · modeled 2BR rent
$1,370 / 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 Texas City, TX and Temple, 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: $576/month in Temple, TX

$150,000 in your current city has a modeled equivalent of $156,913 in Temple, TX

Regional cost estimates: Texas City, TX uses Houston, TX. Temple, TX uses Austin, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 7.7%
More expensive
Monthly Impact
$576
Extra cost
Annual Impact
$6.9K
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.

Texas City, TX

Population:57K
Cost Index:
88.3
100 = national average
Typical Home:$206K

Temple, TX

Population:93K
Cost Index:
95.2
100 = national average
Typical Home:$187K

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Texas City, TX

The Lone Star State

57K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 57K residents.

💡 Advantage: Texas has no state income tax!

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!

Cost Breakdown by Category

Estimated monthly spending: Texas City, TX vs Temple, 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
↑ 32.9%
Texas City, TX
$2,024
Temple, TX
$2,690
Difference
$666
more
Transportation
↓ 10.6%
Texas City, TX
$1,488
Temple, TX
$1,330
Difference
$157
less
Groceries
↑ 5.8%
Texas City, TX
$978
Temple, TX
$1,034
Difference
$56.27
more
Healthcare
↑ 5.2%
Texas City, TX
$603
Temple, TX
$634
Difference
$31.53
more
Other
↓ 0.6%
Texas City, TX
$1,815
Temple, TX
$1,804
Difference
$10.78
less
All Utilities
↓ 1.6%
Texas City, TX
$593
Temple, TX
$583
Difference
$9.60
less

🏠Rent Comparison

Studio
From$1,130
To$1,090
↓ $40.00
1 Bed
From$1,170
To$1,100
↓ $70.00
2 Bed
From$1,390
To$1,370
↓ $20.00
3 Bed
From$1,870
To$1,900
↑ $30.00
Texas City, TXZIP-level data

1BR range: $1,150–$1,190/mo

Temple, TXZIP-level data

1BR range: $840–$1,200/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 Texas City, TX
$8,076
Monthly in Temple, TX
$576
Difference

Home Values

Texas City
Temple
$206K
Median Value
$187K
↓ -3.8%
YoY Change
↓ -5%
↑ +17.4%
5-Year Change
↑ +25.1%
$176K - $235K
Price Range
$185K - $275K

Homes in Temple are 9% less expensive than Texas City

Calculate payment - Texas CityCalculate payment - Temple

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

Texas City, 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

Temple, 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

Texas City, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Temple, 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

Texas City
Temple
61 Moderate
Air Quality
52 Moderate
13.7%
Good Air Days
42.6%
100 Very High
Climate Risk
98 High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.2°F
2050 Outlook
▲+2.5°F
64 days
Heat Days >95°F
98 days
▲+2.2°F
2050 Outlook
▲+2.5°F
64 days
Heat Days >95°F
98 days

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

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

Frequently Asked Questions: Texas City, TX vs Temple, TX

How do the cost estimates for Texas City, TX and Temple, TX compare?

Temple, TX has a modeled overall cost index 7.7% higher than Texas City, 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 Texas City, TX, the model estimates $156,913 in Temple, 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 Texas City, TX and Temple, TX?

The modeled two-bedroom rents are $1,390/month in Texas City, TX and $1,370/month in Temple, 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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