Gilbert vs Irving
Cost of Living Comparison · 2026
Gilbert
Irving
The Verdict
The cost gap between these cities is 11.0%, with Irving being the more affordable option. A $75,000 income in Gilbert has equivalent purchasing power to $67,568 in Irving.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Gilbert has the same purchasing power as $67,568 in Irving.
Conversely, $75,000 in Irving equals $83,250 in Gilbert.
Living in Gilbert vs Irving
Housing Costs
Gilbert's housing index of 128 is higher Irving's 94, translating to median home prices of $470,000 vs $318,000. The $152,000 difference in home prices means roughly $9,876 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,700/mo in Gilbert compared to $1,350/mo in Irving, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 100 in Gilbert and 99 in Irving. A household spending the national average of $475/month on groceries would pay approximately $475/month in Gilbert vs $470/month in Irving. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 96 in Gilbert and 111 in Irving. Monthly utility bills average approximately $384 in Gilbert 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 95 in Gilbert and 103 in Irving. 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 $94,518 in Gilbert and $73,400 in Irving. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $85,151 and $73,400 respectively. Gilbert residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,205/month to housing in Gilbert vs $1,713/month in Irving. In Gilbert, median rent of $1,700/mo fits within this budget. 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 34 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases