Amarillo vs Roswell
Cost of Living Comparison · 2026
Amarillo
Roswell
The Verdict
Amarillo is 34.5% less expensive than Roswell overall. A household earning $75,000 in Amarillo would need approximately $114,527 in Roswell 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 Amarillo has the same purchasing power as $114,527 in Roswell.
Conversely, $75,000 in Roswell equals $49,115 in Amarillo.
Living in Amarillo vs Roswell
Housing Costs
Amarillo's housing index of 59 is lower Roswell's 187, translating to median home prices of $195,000 vs $647,000. The $452,000 difference in home prices means roughly $29,376 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $1,700/mo in Roswell, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 101 in Roswell. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $480/month in Roswell. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $516/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 98 in Roswell. Monthly utility bills average approximately $376 in Amarillo vs $392 in Roswell. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Amarillo and 103 in Roswell. 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 $58,500 in Amarillo and $108,800 in Roswell. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $96,283 respectively. Roswell 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 $2,539/month in Roswell. In Amarillo, median rent of $975/mo fits within this budget. In Roswell, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 128 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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