Cost Of Living in White Oak, 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	White Oak	Texas	National
Cost of living	99	92	100
Goods & Services	98	96	100
Groceries	98	96	100
Health care	90	94	100
Housing	98	83	100
Transportation	92	92	100
Utilities	116	104	100

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Cost Of Living Quick Facts

The cost of living in White Oak is 7% higher than the Texas average
The cost of living in White Oak is 1% lower than the national average
White Oak housing is 2% 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	$75,930	$6,328	$1,772	$2,278
Renters	$39,643	$3,304	$925	$1,189

A good way to judge both the affordability of the housing and the cost of living in White Oak is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. White Oak has a median income of about $75,930 for people who own homes. Based on that number, a maximum of $1,772 should be spent on expenses related to housing. Renters have a slightly different median income, which is $39,643. Based on this average, renters should spend no more than $925 on all rental costs if they want to maintain a non-impoverished standard of living.

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	White Oak	National avg.	Difference
Haircut	$18.67	$24.26	23.1%
Beauty Salon	$37.78	$45.56	17.1%
Toothpaste	$3.61	$3.70	2.6%
Shampoo	$1.13	$1.28	12.0%
Movie	$10.54	$12.13	13.1%
Bowling	$18.50	$18.00	2.8%

Groceries

Item	White Oak	National avg.	Difference
Ground Beef	$4.69	$5.84	19.7%
Fried Chicken	$1.59	$1.57	1.2%
Milk	$4.57	$4.67	2.3%
Potatoes	$4.55	$4.93	7.8%
Pizza	$11.66	$12.09	3.6%
Beer	$10.28	$10.41	1.3%

Health Care

Item	White Oak	National avg.	Difference
Optometrist	$98.31	$125.68	21.8%
Doctor	$86.72	$135.78	36.1%
Dentist	$77.67	$113.29	31.4%
Ibuprofen	$10.25	$10.65	3.8%
Lipitor	$462.37	$468.60	1.3%

Housing

Item	White Oak	National avg.	Difference
Home Price	$170,000.00	$184,700.00	8.0%
Avg. Mortgage Payment	$1,364.93	$2,346.69	41.8%
Apartment Rent	$1,061.00	$949.00	11.8%

Transportation

Item	White Oak	National avg.	Difference
Gasoline	$2.94	$3.46	14.9%
Tire Balancing	$63.94	$59.92	6.7%

Utilities

Item	White Oak	National avg.	Difference
All Electricity	$200.43	$193.99	3.3%
Phone	$208.71	$192.25	8.6%

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.
Big Sandy, TX	1,406	85	14.9%
Gladewater, TX	5,960	89	11.3%
Lakeport, TX	1,247	91	9.2%
Kilgore, TX	14,824	91	9.0%
Gilmer, TX	5,139	91	8.7%
White Oak, TX	6,301	99	1.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Wailua Homesteads, HI	6,301	186	85.8%
Huntingburg, IN	6,301	87	12.7%
St. Paul County No. 19, AB	6,300	n/a
East Greenbush, NY	6,299	112	12.3%
Solvay, NY	6,299	93	7.5%
White Oak, TX	6,301	99	1.1%

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 White Oak, TX