Irving vs Roswell
Cost of Living Comparison · 2026
Irving
Roswell
The Verdict
Living in Irving costs 11.5% less than Roswell. To match the purchasing power of a $75,000 salary in Irving, you would need $84,750 in Roswell.
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 $84,750 in Roswell.
Conversely, $75,000 in Roswell equals $66,372 in Irving.
Living in Irving vs Roswell
Housing Costs
Irving's housing index of 94 is lower Roswell's 187, translating to median home prices of $318,000 vs $647,000. The $329,000 difference in home prices means roughly $21,384 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,700/mo in Roswell, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 101 in Roswell. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $480/month in Roswell. 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 98 in Roswell. Monthly utility bills average approximately $444 in Irving vs $392 in Roswell. 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 103 in Irving and 103 in Roswell. 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 $73,400 in Irving and $108,800 in Roswell. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $96,283 respectively. Roswell residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,713/month to housing in Irving vs $2,539/month in Roswell. In Irving, median rent of $1,350/mo fits within this budget. In Roswell, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 93 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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