Albany vs Tyler
Cost of Living Comparison · 2026
Albany
Tyler
The Verdict
Tyler is 16.5% less expensive than Albany overall. A household earning $75,000 in Albany would need approximately $64,394 in Tyler to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Albany has the same purchasing power as $64,394 in Tyler.
Conversely, $75,000 in Tyler equals $87,353 in Albany.
Living in Albany vs Tyler
Housing Costs
Albany's housing index of 93 is higher Tyler's 69, translating to median home prices of $220,000 vs $250,000. The $30,000 difference in home prices means roughly $1,956 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Albany compared to $1,075/mo in Tyler, a monthly difference of $125.
Grocery & Food Costs
Grocery expenses index at 102 in Albany and 96 in Tyler. A household spending the national average of $475/month on groceries would pay approximately $485/month in Albany vs $456/month in Tyler. Tyler offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 107 in Albany and 97 in Tyler. Monthly utility bills average approximately $428 in Albany vs $388 in Tyler. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in Albany and 93 in Tyler. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $43,098 in Albany and $54,800 in Tyler. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $43,533 and $64,471 respectively. Tyler residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,006/month to housing in Albany vs $1,279/month in Tyler. In Albany, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Tyler, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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