Amarillo vs Gilbert
Cost of Living Comparison · 2026
Amarillo
Gilbert
The Verdict
The cost gap between these cities is 33.3%, with Amarillo being the more affordable option. A $75,000 income in Amarillo has equivalent purchasing power to $112,500 in Gilbert.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Amarillo has the same purchasing power as $112,500 in Gilbert.
Conversely, $75,000 in Gilbert equals $50,000 in Amarillo.
Living in Amarillo vs Gilbert
Housing Costs
Amarillo's housing index of 59 is lower Gilbert's 128, translating to median home prices of $195,000 vs $470,000. The $275,000 difference in home prices means roughly $17,880 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $1,700/mo in Gilbert, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 100 in Gilbert. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $475/month in Gilbert. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 96 in Gilbert. Monthly utility bills average approximately $376 in Amarillo vs $384 in Gilbert. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Amarillo and 95 in Gilbert. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $58,500 in Amarillo and $94,518 in Gilbert. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $85,151 respectively. Gilbert residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $2,205/month in Gilbert. In Amarillo, median rent of $975/mo fits within this budget. In Gilbert, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 69 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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