Irving vs Springfield
Cost of Living Comparison · 2026
Irving
Springfield
The Verdict
Springfield is 28.2% less expensive than Irving overall. A household earning $75,000 in Irving would need approximately $58,500 in Springfield to maintain the same standard of living.
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 $58,500 in Springfield.
Conversely, $75,000 in Springfield equals $96,154 in Irving.
Living in Irving vs Springfield
Housing Costs
Irving's housing index of 94 is higher Springfield's 52, translating to median home prices of $318,000 vs $162,000. The $156,000 difference in home prices means roughly $10,140 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $925/mo in Springfield, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 98 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $466/month in Springfield. 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 Springfield. Monthly utility bills average approximately $444 in Irving vs $392 in Springfield. 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 91 in Springfield. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-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 $65,500 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $83,974 respectively. Springfield 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 $1,528/month in Springfield. In Irving, median rent of $1,350/mo fits within this budget. In Springfield, median rent of $925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 42 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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