Cost of Living in College Station
Texas · Population: 120,511
Cost Breakdown by Category
Index values. National average = 100. Lower is more affordable.
Detailed Cost Breakdown
Estimated specific prices in College Station (2026 values, USD).
💰 Purchasing Power
With a median income of $58,900 and a cost of living index of 101, the purchasing power-adjusted income in College Station is $58,317.
This means you need a lower income in College Station to match the purchasing power of an average US city.
Financial Reality in College Station
With a cost of living index of 101, College Station costs 1% more than the national average. Here is what that means in practical terms for your household budget.
Housing affordability: The median home price of $300,000 represents a 5.1x home-price-to-income ratio against the median household income of $58,900. This is a challenging affordability ratio. Dual incomes or above-median earnings are typically needed for homeownership. Using the 28% rule, the median household can allocate $1,374/month to housing costs.
Rent burden: At $1,390/mo, rent consumes approximately 28% of the median gross household income. This is within the 30% guideline that financial advisors recommend.
Purchasing power: The median income of $58,900 has a purchasing power equivalent to $58,317 in an average-cost US city. That is close to the raw salary value, meaning costs are near average.
Common Questions About Living in College Station
How much do I need to earn to live comfortably in College Station? Based on local costs, a household income of at least $55,600.0 is needed to rent comfortably (using the 40x rent rule), or roughly $85,714+ to afford the median home. These are minimums — factor in your specific debt obligations, savings goals, and lifestyle expenses.
Is it cheaper to rent or buy in College Station? With median rent at $1,390/mo and median home prices at $300,000, the rent-to-buy ratio favors renting in the short term, as buying requires significant upfront capital. Run the numbers with a mortgage calculator using current rates for your specific situation.
How does College Station compare to similar cities? Use the comparison links below to see College Station side-by-side with other cities. The most meaningful comparisons are with cities in the same region, similar population size, or cities you are considering for a move. Pay attention to category-level differences, not just the overall index.
COMPARE WITH OTHER CITIES
OTHER CITIES IN TEXAS
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