Houston vs Irving
Cost of Living Comparison · 2026 Data
Houston
Irving
💡 The Verdict
Irving is 11% cheaper than Houston overall. A $75,000 salary in Houston is equivalent to $66,406 in Irving.
Category-by-Category Breakdown
Index values for Houston (left) vs Irving (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Houston versus Irving. Differences shown from Houston perspective.
| Item | Houston | Irving | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,020/mo | $590/mo | +$430.00 |
| 2-Bed Rent | $1,400/mo | $850/mo | +$550.00 |
| 3-Bed Rent | $1,920/mo | $1,090/mo | +$830.00 |
| Bread (loaf) | $2.51 | $2.54 | $-0.03 |
| Milk (gallon) | $3.58 | $3.28 | +$0.30 |
| Eggs (dozen) | $3.08 | $3.07 | +$0.01 |
| Coffee (latte) | $5.55 | $4.90 | +$0.65 |
| Gas (gallon) | $3.49 | $2.95 | +$0.54 |
| Restaurant Meal | $13.18 | $15.87 | $-2.69 |
💰 Salary Equivalence
A $75,000 salary in Houston has the same purchasing power as $66,406 in Irving.
Conversely, $75,000 in Irving equals $84,706 in Houston.
💼 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. Texas details → · Texas details →
Reading These Numbers: Houston (96) vs Irving (85)
Houston at 96 is 4% below the US average, while Irving at 85 is 15% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Houston, the composite index of 96 reflects a weighted calculation where housing carries the most influence at 89, followed by groceries (94), utilities (97), transportation (108), and healthcare (96). Costs are fairly balanced across categories.
For renters: With median rents of $1,400/mo in Houston and $850/mo in Irving, the annual rent difference is approximately $6,600.0. Over a 5-year period, that compounds to $33,000.0 in savings by choosing the more affordable city.
For homebuyers: The $1,000.0 difference in median home prices between Houston and Irving 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.
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Making Your Decision: Houston vs Irving
Choosing between Houston and Irving 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.
Long-term affordability in Houston versus Irving depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.