Cost Of Living in Kirby, TX

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Kirby	Texas	National
Cost of living	89	92	100
Goods & Services	99	96	100
Groceries	95	96	100
Health care	105	94	100
Housing	72	83	100
Transportation	93	92	100
Utilities	85	104	100

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Cost Of Living Quick Facts

The cost of living in Kirby is 4% lower than the Texas average
The cost of living in Kirby is 11% lower than the national average
Kirby housing is 28% lower than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$50,727	$4,227	$1,184	$1,522
Renters	$35,438	$2,953	$827	$1,063

The affordability of the housing market in Kirby, TX as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Kirby homeowners, the median income is $50,727. This indicates that a monthly maximum of $1,184 should be spent by homeowners on all housing related costs. Renters have a median income of $35,438. This indicates that renters would have a maximum of $827 for their rent related monthly costs.

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Goods & Services

Item	Kirby	National avg.	Difference
Haircut	$20.78	$24.26	14.4%
Beauty Salon	$43.67	$45.56	4.2%
Toothpaste	$3.60	$3.70	2.7%
Shampoo	$1.06	$1.28	17.2%
Movie	$9.50	$12.13	21.7%
Bowling	$13.70	$18.00	23.9%

Groceries

Item	Kirby	National avg.	Difference
Ground Beef	$4.93	$5.84	15.6%
Fried Chicken	$1.57	$1.57	0.1%
Milk	$4.57	$4.67	2.2%
Potatoes	$4.55	$4.93	7.7%
Pizza	$11.32	$12.09	6.3%
Beer	$10.50	$10.41	0.8%

Health Care

Item	Kirby	National avg.	Difference
Optometrist	$132.00	$125.68	5.0%
Doctor	$171.14	$135.78	26.0%
Dentist	$108.33	$113.29	4.4%
Ibuprofen	$10.16	$10.65	4.7%
Lipitor	$481.60	$468.60	2.8%

Housing

Item	Kirby	National avg.	Difference
Home Price	$109,800.00	$184,700.00	40.6%
Avg. Mortgage Payment	$1,951.07	$2,346.69	16.9%
Apartment Rent	$967.00	$949.00	1.9%

Transportation

Item	Kirby	National avg.	Difference
Gasoline	$3.03	$3.46	12.4%
Tire Balancing	$57.20	$59.92	4.5%

Utilities

Item	Kirby	National avg.	Difference
All Electricity	$217.71	$193.99	12.2%
Phone	$201.97	$192.25	5.1%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Marion, TX	886	86	13.7%
Elmendorf, TX	1,583	88	11.7%
Balcones Heights, TX	3,128	92	8.0%
San Antonio, TX	1,529,133	95	5.5%
Leon Valley, TX	12,279	96	4.4%
Kirby, TX	8,709	89	11.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Sanatoga, PA	8,710	106	5.7%
Angola, IN	8,706	92	7.6%
Folsom, PA	8,706	109	9.3%
Princeton, IN	8,716	87	12.8%
Rawlins, WY	8,716	94	5.6%
Kirby, TX	8,709	89	11.3%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Kirby, TX