Franklin vs Houston
Cost of Living Comparison · 2026 Data
Franklin
Houston
💡 The Verdict
Franklin is 5% cheaper than Houston overall. A $75,000 salary in Franklin is equivalent to $79,121 in Houston.
Category-by-Category Breakdown
Index values for Franklin (left) vs Houston (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Franklin versus Houston. Differences shown from Franklin perspective.
| Item | Franklin | Houston | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,040/mo | $1,020/mo | +$20.00 |
| 2-Bed Rent | $1,480/mo | $1,400/mo | +$80.00 |
| 3-Bed Rent | $1,930/mo | $1,920/mo | +$10.00 |
| Bread (loaf) | $2.69 | $2.51 | +$0.18 |
| Milk (gallon) | $3.40 | $3.58 | $-0.18 |
| Eggs (dozen) | $3.00 | $3.08 | $-0.08 |
| Coffee (latte) | $5.19 | $5.55 | $-0.36 |
| Gas (gallon) | $2.92 | $3.49 | $-0.57 |
| Restaurant Meal | $13.52 | $13.18 | +$0.34 |
💰 Salary Equivalence
A $75,000 salary in Franklin has the same purchasing power as $79,121 in Houston.
Conversely, $75,000 in Houston equals $71,094 in Franklin.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
Both states have similar effective tax rates on this salary level. Tennessee details → · Texas details →
Reading These Numbers: Franklin (91) vs Houston (96)
Franklin at 91 is 9% below the US average, while Houston at 96 is 4% below average. The cost difference between these cities is relatively modest.
In Franklin, the composite index of 91 reflects a weighted calculation where housing carries the most influence at 99, followed by groceries (89), utilities (93), transportation (85), and healthcare (103). Costs are fairly balanced across categories.
For renters: With median rents of $1,480/mo in Franklin and $1,400/mo in Houston, the annual rent difference is approximately $960.0. Over a 5-year period, that compounds to $4,800.0 in savings by choosing the more affordable city.
For homebuyers: The $71,000.0 difference in median home prices between Franklin and Houston translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
🔗 Related Tools
📚 Moving & Relocation Resources
Amazon affiliate links
CITY PROFILES
Making Your Decision: Franklin vs Houston
Choosing between Franklin and Houston involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Beyond the numbers shown above, quality of life differences between Franklin and Houston can meaningfully affect your financial picture in ways the index does not capture. Commute time translates to fuel costs and vehicle depreciation. Climate affects utility bills seasonally. Access to public parks and free cultural venues reduces entertainment spending. Consider these secondary financial effects alongside the direct cost comparisons when making your final decision.