Irving vs Wilmington
Cost of Living Comparison · 2026
Irving
Wilmington
The Verdict
Irving is 2.9% less expensive than Wilmington overall. A household earning $75,000 in Irving would need approximately $77,250 in Wilmington 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 $77,250 in Wilmington.
Conversely, $75,000 in Wilmington equals $72,816 in Irving.
Living in Irving vs Wilmington
Housing Costs
Irving's housing index of 94 is lower Wilmington's 108, translating to median home prices of $318,000 vs $320,000. The $2,000 difference in home prices means roughly $132 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,400/mo in Wilmington, a monthly difference of $50.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 101 in Wilmington. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $480/month in Wilmington. 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 94 in Wilmington. Monthly utility bills average approximately $444 in Irving vs $376 in Wilmington. 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 106 in Wilmington. 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 $48,432 in Wilmington. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $47,021 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 $1,130/month in Wilmington. In Irving, median rent of $1,350/mo fits within this budget. In Wilmington, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Utilities, where the gap is 17 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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