Top 20 Cost of Living in Texas for a Single Person (2025)

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Living in Texas offers a blend of affordability, culture, and opportunity that makes it one of the most attractive states for single individuals. From major metropolitan areas like Dallas, Houston, and Austin, to smaller towns and suburban communities, Texas has a wide variety of living experiences. For a single person, the cost of living depends largely on factors such as housing, utilities, groceries, healthcare, and transportation. While some cities are bustling with high-end options and fast-paced lifestyles, others offer a slower, more affordable way of life with lower expenses.

Understanding the breakdown of living costs is crucial before making a move or settling into a specific city. Each area has unique pricing for rent, food, and essential services, and these costs significantly affect the monthly budget. In this guide, we will walk you through the top 20 considerations of the cost of living in Texas for a single person. From housing and groceries to entertainment and healthcare, this comprehensive listing highlights real expenses and practical insights to help you make informed financial decisions.

Top 20 Cost of Living in Texas for a Single Person

Below is a detailed breakdown of the main cost categories and average prices across the Lone Star State. Each section includes a description, typical pricing, and important details that directly affect a single person’s budget.

1. Housing Costs

Description: Housing is the largest expense for most single people in Texas. Prices vary dramatically depending on location, whether it’s a city center apartment or a suburban rental.
Pricing:

  • One-bedroom apartment in a major city: $1,100 – $1,600 per month

  • One-bedroom apartment in smaller towns: $700 – $1,000 per month

  • Utilities for a small apartment: $120 – $180 monthly
    Address & Contact: Available statewide through property rental agencies and local housing offices.
    Services Offered: Apartments, condos, and small single-family homes with varying amenities such as parking, gym access, or security.

2. Groceries and Food

Description: Grocery shopping for a single person in Texas is relatively affordable, with larger chains offering bulk discounts and smaller stores providing fresh local produce.
Pricing:

  • Monthly grocery bill: $250 – $350

  • Milk (1 gallon): $3 – $4

  • Bread (loaf): $2 – $3

  • Eggs (dozen): $2 – $4
    Address & Contact: Available across local supermarkets and farmers’ markets.
    Services Offered: Fresh produce, packaged foods, household items, and prepared meals.

3. Dining Out

Description: Eating out in Texas ranges from inexpensive fast-food spots to mid-range restaurants and fine dining. A single person can enjoy diverse cuisines without overspending.
Pricing:

  • Fast-food meal: $7 – $10

  • Casual restaurant meal: $12 – $20

  • Mid-range restaurant (3-course): $25 – $40 per person
    Address & Contact: Restaurants and dining establishments statewide.
    Services Offered: Takeout, dine-in, delivery, and catering services.

4. Transportation Costs

Description: Transportation costs depend on whether a person owns a car, uses public transit, or relies on ridesharing. Texas cities are largely car-dependent, though some areas have public transportation systems.
Pricing:

  • Gasoline (per gallon): $3 – $4

  • Monthly public transit pass (Houston, Dallas): $50 – $80

  • Rideshare short trip: $10 – $20

  • Car insurance for a single driver: $120 – $160 per month
    Address & Contact: Local transit authorities and car insurance providers.
    Services Offered: Bus, light rail, metro systems, car rentals, ridesharing apps.

5. Healthcare and Insurance

Description: Healthcare in Texas is a vital expense for a single person. Monthly premiums vary depending on income, age, and health plan.
Pricing:

  • Individual health insurance: $250 – $400 monthly

  • Doctor’s visit: $100 – $150 (without insurance)

  • Prescription medications: $20 – $60
    Address & Contact: Clinics, hospitals, and health insurance agencies across Texas.
    Services Offered: Primary care, urgent care, emergency services, prescriptions, wellness programs.

6. Utilities and Internet

Description: Essential services include electricity, water, gas, and internet. Internet services are competitively priced with reliable speeds for work or entertainment.
Pricing:

  • Electricity, heating, cooling, water, garbage: $120 – $180 per month

  • Internet (unlimited, 60 Mbps+): $60 – $80 monthly
    Address & Contact: Local utility providers and internet service companies.
    Services Offered: Utility supply, maintenance, technical support, customer care.

7. Entertainment and Leisure

Description: From movie nights to concerts and fitness centers, Texas offers a wide range of activities for singles. Costs vary depending on lifestyle choices.
Pricing:

  • Movie ticket: $12 – $15

  • Fitness club membership: $40 – $60 per month

  • Concert tickets: $50 – $150 (depending on artist and venue)
    Address & Contact: Available at theaters, gyms, and entertainment venues.
    Services Offered: Recreational programs, live shows, streaming services, wellness activities.

8. Clothing and Personal Care

Description: Personal care expenses include clothing, grooming, and hygiene products. Texas has both affordable and premium shopping options.
Pricing:

  • Jeans: $40 – $70

  • Shoes: $60 – $100

  • Haircut: $20 – $40

  • Personal care products monthly: $30 – $50
    Address & Contact: Available at shopping malls, department stores, and local salons.
    Services Offered: Apparel sales, grooming services, beauty products.

9. Education and Skill Development

Description: Even for singles not enrolled in formal schooling, skill development or professional training courses are common expenses.
Pricing:

  • Community college class: $500 – $700 per course

  • Online course subscription: $15 – $40 monthly

  • Certification programs: $1,000 – $3,000
    Address & Contact: Universities, community colleges, and training centers statewide.
    Services Offered: In-person classes, online learning, certificate programs, career coaching.

10. Miscellaneous Expenses

Description: Extra costs for a single person often include subscriptions, home goods, and unexpected purchases.
Pricing:

  • Streaming subscription: $10 – $20 per month

  • Home supplies: $40 – $80 monthly

  • Occasional emergency costs: $100 – $200 on average
    Address & Contact: Available through local and online retailers.
    Services Offered: Entertainment platforms, home essentials, specialty products.

11. Renters’ Insurance

Description: Renters’ insurance is a common safeguard for single tenants living in apartments or rental properties. It covers belongings and liability.
Pricing:

  • Monthly renters’ insurance: $15 – $30
    Address & Contact: Offered by insurance companies statewide.
    Services Offered: Coverage for theft, damage, and liability claims.

12. Household Furnishings

Description: Furnishing a living space is a one-time or occasional expense for single residents. Texas offers everything from budget-friendly to luxury furniture.
Pricing:

  • Bed frame and mattress: $400 – $800

  • Sofa: $300 – $700

  • Dining set: $250 – $600
    Address & Contact: Local furniture outlets and department stores.
    Services Offered: Home furnishings, delivery, installation.

13. Public Services and Fees

Description: Costs include local taxes, DMV fees, and other government service charges.
Pricing:

  • Vehicle registration fee: $50 – $75 annually

  • Driver’s license renewal: $25 – $35

  • State income tax: None (Texas does not levy personal income tax)
    Address & Contact: State and local government offices.
    Services Offered: Licensing, registration, official documentation.

14. Household Cleaning and Maintenance

Description: Maintaining a clean and functional living space involves cleaning supplies, laundry, or hiring occasional services.
Pricing:

  • Cleaning supplies monthly: $30 – $50

  • Laundry service (per load): $10 – $15

  • Professional cleaning service: $80 – $120 per visit
    Address & Contact: Available at laundromats, retail stores, and local cleaning agencies.
    Services Offered: Laundry, dry-cleaning, and home cleaning services.

15. Recreation and Outdoor Activities

Description: Texas is rich in parks, trails, and recreational centers that offer affordable leisure for singles.
Pricing:

  • State park entry fee: $5 – $10

  • Annual state park pass: $70 – $80

  • Outdoor gear (per activity): $50 – $150
    Address & Contact: Managed by state park systems and recreational agencies.
    Services Offered: Hiking, camping, guided tours, outdoor equipment rentals.

16. Alcohol and Nightlife

Description: A vibrant nightlife scene in major Texas cities caters to singles, with bars, clubs, and live music.
Pricing:

  • Domestic beer: $4 – $6

  • Cocktail: $8 – $12

  • Nightclub entry: $10 – $20
    Address & Contact: Bars, clubs, and entertainment venues statewide.
    Services Offered: Live music, dance floors, social events, beverages.

17. Technology and Electronics

Description: Devices and tech services are a consistent part of expenses for work, education, and personal use.
Pricing:

  • Smartphone plan: $60 – $90 per month

  • Laptop: $600 – $1,200

  • Streaming device: $30 – $60
    Address & Contact: Available at electronic retailers across Texas.
    Services Offered: Device sales, warranties, customer service, repairs.

18. Pet Ownership Costs

Description: Many singles in Texas choose to own pets, which adds ongoing expenses for food, vet visits, and grooming.
Pricing:

  • Pet food monthly: $30 – $60

  • Routine vet visit: $50 – $100

  • Grooming session: $40 – $70
    Address & Contact: Pet stores, veterinary clinics, grooming centers.
    Services Offered: Pet supplies, veterinary care, grooming, and adoption services.

19. Health and Fitness Programs

Description: Beyond gym memberships, health-focused individuals may invest in specialized fitness classes or wellness programs.
Pricing:

  • Yoga or pilates class: $15 – $25 per session

  • Personal trainer: $40 – $70 per hour

  • Nutrition program: $100 – $300 monthly
    Address & Contact: Gyms, fitness studios, and wellness centers across Texas.
    Services Offered: Group classes, one-on-one training, wellness guidance.

20. Travel and Short Trips

Description: Weekend getaways or short business trips within Texas are common and add to annual expenses.
Pricing:

  • Gas for a road trip: $40 – $80

  • Budget hotel per night: $70 – $120

  • Flight within Texas: $100 – $200 one-way
    Address & Contact: Travel agencies, hotels, and airlines.
    Services Offered: Lodging, travel packages, tours, transportation.

    Overall Cost Breakdown for a Single Person in Texas

    After examining the top 20 categories that influence the cost of living in Texas, it’s important to put everything together. For a single person, monthly living expenses can vary greatly depending on the city, lifestyle, and spending habits. Below is an average monthly budget estimate based on typical costs across the state.

    • Housing (rent + utilities): $900 – $1,800

    • Groceries: $250 – $350

    • Transportation (car + gas OR transit): $200 – $450

    • Healthcare and insurance: $250 – $400

    • Dining out: $150 – $300

    • Entertainment and leisure: $100 – $250

    • Internet and phone: $100 – $170

    • Personal care and clothing: $70 – $120

    • Miscellaneous expenses: $50 – $150

    Estimated Monthly Total: $2,070 – $3,940

    This range illustrates that Texas can be both affordable and moderately expensive, depending on location and personal lifestyle. Cities like Austin and Dallas are on the higher end, while smaller towns and suburban areas fall closer to the lower range.

    Regional Differences Across Texas

    Texas is vast, and the cost of living can differ significantly from one region to another. Here’s a look at how single individuals might experience expenses in major regions.

    North Texas (Dallas–Fort Worth Area)

    • Housing: $1,200 – $1,600 for a one-bedroom apartment in central Dallas.

    • Transportation: Car dependency is high, with insurance slightly above average.

    • Lifestyle: The region offers a vibrant nightlife and professional opportunities, but higher rents make it more expensive.

    Central Texas (Austin and Surroundings)

    • Housing: $1,300 – $1,800 for city-center apartments. Suburban areas can be lower.

    • Lifestyle: Austin is known for its live music, cultural diversity, and booming tech sector. Dining, entertainment, and housing costs are among the highest in the state.

    South Texas (San Antonio, Corpus Christi)

    • Housing: $850 – $1,200 in San Antonio, less in smaller cities.

    • Lifestyle: Affordable living with rich cultural experiences, outdoor activities, and historical attractions.

    Gulf Coast (Houston and Coastal Cities)

    • Housing: $1,000 – $1,500 for central Houston apartments. Suburbs are more affordable.

    • Lifestyle: Houston has excellent dining and job opportunities, though transportation costs can be higher due to heavy commuting.

    West Texas (El Paso, Lubbock, Midland)

    • Housing: $700 – $1,000 for smaller city apartments.

    • Lifestyle: Generally more affordable, with wide-open landscapes and a slower pace of life.

    East Texas (Tyler, Beaumont)

    • Housing: $750 – $1,100 for rentals in smaller cities.

    • Lifestyle: Cost of groceries and healthcare is reasonable, with fewer luxury expenses compared to urban centers.

    Budgeting Tips for Singles in Texas

    1. Choose Housing Wisely – Rent is often the largest expense, so living outside the city center or opting for shared housing can reduce costs significantly.

    2. Use Public Transportation Where Available – In Houston and Dallas, monthly transit passes can be cheaper than driving, parking, and insuring a car.

    3. Cook at Home – Dining out is tempting, but preparing meals at home can cut food expenses by 40–50%.

    4. Take Advantage of Free Activities – Parks, outdoor festivals, and community events across Texas provide entertainment without high costs.

    5. Consider Health Insurance Subsidies – Depending on income, subsidies can make insurance more affordable.

    6. Budget for Emergencies – Unexpected healthcare bills, car repairs, or moving costs can strain finances, so setting aside savings each month is essential.

    7. Shop Smart for Utilities – Many cities have competitive electricity providers; comparing plans can lower monthly bills.

    8. Leverage Discounts and Memberships – State park passes, student discounts, or community memberships can reduce leisure and recreation costs.

    Comparing Texas to the National Average

    One of the biggest reasons singles move to Texas is affordability compared to the national average. Let’s look at how costs compare:

    • Housing: About 10–15% lower than the U.S. average in most regions, though Austin is above average.

    • Groceries: Slightly below the national average.

    • Healthcare: Near or slightly above the national average, depending on insurance.

    • Transportation: Lower gasoline prices than the national average, though high car dependency balances the savings.

    • Taxes: With no state income tax, Texas is attractive compared to many states with high tax burdens.

    Overall, Texas provides a cost advantage for singles, particularly in smaller cities and towns.

    Quality of Life Considerations

    While cost is important, quality of life is equally vital for single individuals living in Texas. Here are some factors to consider:

    • Employment Opportunities: Texas has strong job markets in technology, energy, healthcare, and education. Cities like Austin and Dallas attract young professionals, while Houston is a hub for energy and healthcare.

    • Social Scene: With a mix of nightlife, festivals, music events, and cultural gatherings, singles find no shortage of activities.

    • Transportation Challenges: Car dependency is common, and traffic congestion in larger cities can affect daily life.

    • Climate: Texas has hot summers and mild winters, which may affect utility costs for air conditioning.

    • Community and Safety: Different neighborhoods have varying levels of affordability and safety; choosing wisely impacts both cost and comfort.

    Long-Term Cost Planning

    For singles planning to live in Texas long-term, expenses should be viewed not only monthly but also yearly. A typical annual budget may look like this:

    • Housing (rent + utilities): $14,000 – $21,600

    • Groceries and dining: $4,800 – $7,800

    • Transportation: $2,400 – $5,400

    • Healthcare and insurance: $3,000 – $4,800

    • Leisure and personal expenses: $2,000 – $4,000

    • Miscellaneous and emergencies: $1,000 – $2,400

    Estimated Annual Total: $27,200 – $46,000

    This estimate provides a realistic range for singles budgeting for a year of living in Texas, though personal choices will influence the outcome.

    Conclusion

    The cost of living in Texas for a single person is shaped by many factors, from housing and groceries to transportation and healthcare. On average, a single individual can expect to spend between $2,070 and $3,940 per month, depending on location and lifestyle choices. Large metropolitan areas like Austin, Dallas, and Houston tend to be more expensive, while smaller cities and towns offer more budget-friendly options without compromising quality of life.

    With its no state income tax, relatively affordable housing (outside of high-demand areas), and diverse opportunities, Texas remains one of the most attractive states for singles. Balancing costs with personal lifestyle decisions is key, and those who budget wisely can enjoy a high standard of living without financial strain.

    Whether you’re seeking a fast-paced urban life, a quiet suburban retreat, or a more affordable small-town experience, Texas provides a wide range of choices. For singles, it combines economic opportunity with cultural richness, making it not only a place to live but a place to thrive