Irving vs Lancaster
Cost of Living Comparison · 2026
Irving
Lancaster
The Verdict
The cost gap between these cities is 0.0%, with Irving being the more affordable option. A $75,000 income in Irving has equivalent purchasing power to $75,000 in Lancaster.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Irving has the same purchasing power as $75,000 in Lancaster.
Conversely, $75,000 in Lancaster equals $75,000 in Irving.
Living in Irving vs Lancaster
Housing Costs
Irving's housing index of 94 is higher Lancaster's 67, translating to median home prices of $318,000 vs $225,000. The $93,000 difference in home prices means roughly $6,048 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,175/mo in Lancaster, a monthly difference of $175.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 97 in Lancaster. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $461/month in Lancaster. 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 111 in Irving and 110 in Lancaster. Monthly utility bills average approximately $444 in Irving vs $440 in Lancaster. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 103 in Irving and 94 in Lancaster. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $73,400 in Irving and $63,700 in Lancaster. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $63,700 respectively. Irving residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,713/month to housing in Irving vs $1,486/month in Lancaster. In Irving, median rent of $1,350/mo fits within this budget. In Lancaster, median rent of $1,175/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 27 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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