Odessa vs Plano
Cost of Living Comparison · 2026
Odessa
Plano
The Verdict
Odessa is 22.0% less expensive than Plano overall. A household earning $75,000 in Odessa would need approximately $96,176 in Plano 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 Odessa has the same purchasing power as $96,176 in Plano.
Conversely, $75,000 in Plano equals $58,486 in Odessa.
Living in Odessa vs Plano
Housing Costs
Odessa's housing index of 72 is lower Plano's 123, translating to median home prices of $223,000 vs $400,000. The $177,000 difference in home prices means roughly $11,508 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,150/mo in Odessa compared to $1,700/mo in Plano, a monthly difference of $550.
Grocery & Food Costs
Grocery expenses index at 96 in Odessa and 98 in Plano. A household spending the national average of $475/month on groceries would pay approximately $456/month in Odessa vs $466/month in Plano. 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 100 in Odessa and 99 in Plano. Monthly utility bills average approximately $400 in Odessa vs $396 in Plano. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 96 in Odessa and 100 in Plano. 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 $73,500 in Odessa and $96,348 in Plano. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $86,471 and $88,393 respectively. Plano residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,715/month to housing in Odessa vs $2,248/month in Plano. In Odessa, median rent of $1,150/mo fits within this budget. In Plano, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 51 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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