Plano vs Arlington

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Texas salaries · Texas salaries

Living in Plano vs Arlington

Housing is typically the biggest factor in any cost-of-living comparison. Plano has a housing index of 123 while Arlington sits at 86 (national average = 100). The median home in Plano costs $400,000 compared to $260,000 in Arlington, a difference of $140,000. Monthly rent follows a similar pattern: $1,700 in Plano versus $1,300 in Arlington.

Groceries and everyday expenses show a narrower gap: Plano scores 98 while Arlington scores 96. Both cities are close to the national average for grocery costs.

Healthcare costs in Plano (100) match Arlington (100). Both are close to the national average.

Median household income in Plano is $96,348 compared to $60,138 in Arlington. When adjusted for cost of living, income goes further in Arlington.

Relocating: Plano vs Arlington

If you are considering a move between Plano (index: 109) and Arlington (index: 96), the 12% cost difference has real implications for your budget. Arlington is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Plano can afford $2,248/month, while the median household in Arlington can afford $1,403/month. With median homes at $400,000 in Plano versus $260,000 in Arlington, homeownership requires above-median income in the pricier market.

Renting vs buying: At $1,700/month in Plano and $1,300/month in Arlington, renters save significantly in Arlington. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes further in Arlington where costs are 4% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Plano (109) vs Arlington (96)

The cost of living index uses 100 as the national average. Plano at 109 is 9% above the US average, while Arlington at 96 is 4% below average. Both cities are close to the national average in overall costs.

A 13-point index spread separates Plano from Arlington, a moderate gap that adds up across monthly bills but is manageable with a typical dual-income household budget. The biggest category divergence is housing, where Plano scores 123 and Arlington scores 86. That 37-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Arlington with indices of 86 versus 123. Median home prices of $400,000 in Plano and $260,000 in Arlington underscore this gap.

For renters: With median rents of $1,700/month in Plano and $1,300/month in Arlington, the annual rent difference is approximately $4,800. Over a 5-year period, that compounds to $24,000 in savings by choosing the more affordable city.

For homebuyers: The $140,000 difference in median home prices between Plano and Arlington translates to roughly $8,400 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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