Cambridge vs Irving
Cost of Living Comparison · 2026
Cambridge
Irving
The Verdict
The cost gap between these cities is 78.0%, with Irving being the more affordable option. A $75,000 income in Cambridge has equivalent purchasing power to $42,135 in Irving.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Cambridge has the same purchasing power as $42,135 in Irving.
Conversely, $75,000 in Irving equals $133,500 in Cambridge.
Living in Cambridge vs Irving
Housing Costs
Cambridge's housing index of 280 is higher Irving's 94, translating to median home prices of $890,000 vs $318,000. The $572,000 difference in home prices means roughly $37,176 per year in additional mortgage costs at current rates. Renters face a similar gap: $3,100/mo in Cambridge compared to $1,350/mo in Irving, a monthly difference of $1,750.
Grocery & Food Costs
Grocery expenses index at 110 in Cambridge and 99 in Irving. A household spending the national average of $475/month on groceries would pay approximately $523/month in Cambridge vs $470/month in Irving. Irving offers a meaningful advantage on everyday food costs, saving roughly $636/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 126 in Cambridge and 111 in Irving. Monthly utility bills average approximately $504 in Cambridge vs $444 in Irving. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 118 in Cambridge and 103 in Irving. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $103,154 in Cambridge and $73,400 in Irving. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,952 and $73,400 respectively. Irving residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,407/month to housing in Cambridge vs $1,713/month in Irving. In Cambridge, median rent of $3,100/mo exceeds this threshold, suggesting renters may feel stretched. In Irving, median rent of $1,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 186 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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