Cost of Living in Irving, TX
Irving's cost of living index is 104 — making it 3.8% more expensive than the US national average. To maintain your current standard of living here, you would need to earn $104,000 for every $100,000 of national-average income.
The Irving Tax & Cost Impact
Texas has no state income tax on wages, so more of a paycheck in Irving stays with you than in a state that taxes income. Federal income tax and FICA still apply.
Decision Matrix
- ✓Housing: Housing is a value-play compared to national tiers.
- ✓Savings Rate: To save $2,000/mo here, you need a gross household income of ~$87,360.
COL Index
104
100 = national avg
Monthly Budget
$5,200
vs $5,000 national
Population
0.3M
Metro area
State Tax
None
Texas
Monthly Cost Breakdown
Estimated monthly costs in Irving vs national average for a typical household.
| Category | National Avg | Irving | Difference |
|---|---|---|---|
| Housing | $1,650 | $1,749 | +$99 |
| Groceries | $650 | $671 | +$21 |
| Transportation | $800 | $829 | +$29 |
| Healthcare | $400 | $411 | +$11 |
| Utilities | $300 | $312 | +$12 |
| Other | $1,200 | $1,238 | +$38 |
| Total | $5,000 | $5,200 | +$200 |
Estimated Budget: Single vs. Family of Four
Estimates from LifeCalc's model, not surveyed prices. We treat the $5,000 national baseline as a family-of-four budget, scale each category by Irving's index (housing moves 1.5x as much as the index, groceries 0.8x, and so on), then apply assumed single-adult shares per category (housing 65%, groceries 30%, transportation 55%, healthcare 30%, utilities 60%, other 45%).
| Category | Single adult / mo | Family of four / mo |
|---|---|---|
| Housing | $1,137 | $1,749 |
| Groceries | $201 | $671 |
| Transportation | $456 | $829 |
| Healthcare | $123 | $411 |
| Utilities | $187 | $312 |
| Other | $557 | $1,238 |
| Total (estimate) | $2,661 | $5,210 |
For comparison, the same model gives about $2,548 (single) and $5,000 (family of four) at the national average. Irving is $210 above the family baseline each month.
Salary Needed and State Tax Context
Our dataset's median of state median household incomes is $77,871. Scaling that by Irving's index of 104 suggests you would need roughly $80,986 a year here to match that standard of living. This is a cost-of-living adjustment only; it does not adjust for your household or housing choices.
Texas does not tax wage income, so no state income tax would come out of that salary. Texas's statewide cost index is 93 and its median household income is $79,721. See all Texas tax brackets.
Closest cities by index
Salary Equivalent
To maintain the same standard of living in Irving, a national-average salary translates to:
$50,000 nationally
$52,000
$75,000 nationally
$78,000
$100,000 nationally
$104,000
$150,000 nationally
$156,000
What Your Salary Gets You in Irving
Here's how different salary levels translate to monthly purchasing power in Irving, TX, where the cost of living is 4% above the national average.
Cities With Similar Cost of Living
FAQ: Cost of Living in Irving
Is Irving expensive to live in?
Irving's cost of living index is 104, which is slightly above the national average of 100. Housing is typically the biggest factor, with estimated monthly rent around $1,716.
What salary do I need to live comfortably in Irving?
To maintain a middle-class lifestyle in Irving, you'd need approximately $78,000 per year, which is equivalent to a $75,000 salary at the national average cost of living.
How does Irving compare to other cities?
Irving is comparable in cost to Dallas, Las Vegas, Bakersfield. More affordable alternatives include Columbus, Omaha, Cleveland.