Cost of LivingUpdated 2026-11-11

Houston, Texas

Living in Houston, Texas is close to the national average, with a cost of living index of 98 (US = 100). Typical rent is $1,638 a month, 15% below the national figure of $1,932, and regular gas costs $3.45 a gallon versus $3.98 nationally as of November 11, 2026. Rent, gas, groceries, electricity and car insurance take about 44% of the area's $73,104 median household income.

Key Numbers

Gas (Regular)

$3.45

National: $3.98

โ†‘ 185.0%since 2000
โœ“ AAA Gas Prices

Avg Rent (All)

$1,638

National: $1,932

โ†‘ 10.0%since 2021
โœ“ Zillow ZORI Houston, TX metro (2026-09)

Grocery Inflation

1.77%

Year-over-year

โœ“ BLS/FRED CPI

Fast Food Avg

$13.00

Combo meal

โ†‘ 5.2%YoY

Electricity

15.91ยข

per kWh ยท ~$143/mo

โ†“ 13.7%vs US avg
โœ“ EIA Residential

Car Insurance

$240/mo

$2,880/yr

โ†‘ 34.0%vs national avg
โœ“ Bankrate/NAIC

Median Household Income

$73,104

43.5% goes to essentials

โ†“ 43.5%cost burden
โœ“ Census ACS 2023
๐Ÿš—

Car Insurance

Avg $2,880 in Houston. Compare rates:

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Find Apartments

Avg rent $1,638/mo in Houston. Browse listings:

Browse listings โ†’Verified listings

Grocery Prices

Grocery Prices โ€” 2000 to Present

National BLS averages ยท submit local prices below โ†“

Eggs (dozen)

Bird flu volatility

$0.97 in 2000 โ†’ $2.32 BLS avg

$1.89 @ Kroger - Studemont (Nov 2026)

+137.9%

Milk (gallon)

$2.79 in 2000 โ†’ $4.10 BLS avg

$2.79 @ Kroger - Studemont (Nov 2026)

+47.3%

Ground Beef (lb)

$1.48 in 2000 โ†’ $6.75 BLS avg

$6.60 @ Kroger - Studemont (Nov 2026)

+355.5%

Bread (loaf)

$0.91 in 2000 โ†’ $1.86 BLS avg

$4.79 @ Kroger - Studemont (Nov 2026)

+105.2%

Chicken Breast (lb)

$1.06 in 2000 โ†’ $2.03 BLS avg

$4.44 @ Kroger - Studemont (Nov 2026)

+91.3%

Butter (lb)

$3.98 BLS avg

$5.29 @ Kroger - Studemont (Nov 2026)

-4.2% since 2018

Bacon (lb)

$2.75 in 2000 โ†’ $6.69 BLS avg

$5.32 @ Kroger - Studemont (Nov 2026)

+143.1%

Cheddar Cheese (lb)

$3.84 in 2000 โ†’ $6.13 BLS avg

$4.00 @ Kroger - Studemont (Nov 2026)

+59.6%

Pasta (lb)

$0.88 in 2000 โ†’ $1.38 BLS avg

$1.67 @ Kroger - Studemont (Nov 2026)

+57.1%

Rice (5 lb)

$2.50 in 2000 โ†’ $5.50 BLS avg

$4.72 @ Kroger - Studemont (Nov 2026)

+120.6%

Coffee (12 oz)

$2.65 in 2000 โ†’ $6.94 BLS avg

$8.79 @ Kroger - Studemont (Nov 2026)

+161.3%

Orange Juice (64 oz)

Citrus shortage

$5.60 estimate

+47.4% since 2022

Potatoes (5 lb)

$1.96 in 2000 โ†’ $4.95 BLS avg

$2.99 @ Kroger - Studemont (Nov 2026)

+152.6%

Apples (3 lb)

$5.47 estimate

$3.49 @ Kroger - Studemont (Nov 2026)

+20.5% since 2022

Tomatoes (lb)

$1.44 in 2000 โ†’ $2.08 BLS avg

$0.99 @ Kroger - Studemont (Nov 2026)

+44.4%

Lettuce (head)

$0.75 in 2000 โ†’ $1.96 BLS avg

+162.3%

Cooking Oil (48 oz)

$7.26 estimate

$3.59 @ Kroger - Studemont (Nov 2026)

+40.4% since 2022

Yogurt (32 oz)

$4.70 estimate

$6.79 @ Kroger - Studemont (Nov 2026)

+16.6% since 2022

Cereal (family size)

$6.20 estimate

$5.00 @ Kroger - Studemont (Nov 2026)

+27.8% since 2022

Frozen Pizza

$9.13 estimate

$4.99 @ Kroger - Studemont (Nov 2026)

+48.7% since 2022

Dining & Restaurants

Fast Food Meal

$13.00

Casual Dining

$21.41

Monthly Spend

$324.73

+5.21% YoY

Chain Restaurant Meal Prices โ€” 2022 vs. Today

Combo meal / typical order for one

McDonald's

2022: $6.78

$10.94

+61.4%

Wendy's

2022: $7.66

$11.82

+54.3%

Chipotle

2022: $8.21

$12.25

+49.2%

Starbucks

2022: $3.84

$5.34

+39.1%

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Looking for an Apartment in Houston?

Average 1BR: $1,343/mo ยท 2BR: $1,933/mo

Browse Houston Apartments โ†’

Local Workforce

2024 ยท BLS QCEW

Total Jobs

2446k

Median Weekly Pay

$1,703

$89k/yr

Top Sector

Trade, Transportation & Utilities

Household vs Worker Pay

$73k

household median

Employment by Sector โ€” Houston

% of local workforce ยท avg weekly wage ยท 5-year growth trend

Trade, Transportation & Utilities
+5.5% 5yr$1,560/wk
20.4%

~$81k/yr

Professional & Business Services
+5.9% 5yr$2,119/wk
17.9%

~$110k/yr

Education & Health Services
+11.1% 5yr$1,358/wk
13.7%

~$71k/yr

Leisure & Hospitality
+5.3% 5yr$633/wk
10.4%

~$33k/yr

Construction
-1.6% 5yr$2,006/wk
7.3%

~$104k/yr

Source: BLS QCEW 2024 Annual ยท County FIPS 48201

Highest Paying Sector

Financial Activities

$2,512/wk ยท $131k/yr

Most Workers (lowest wage)

Leisure & Hospitality

$633/wk ยท $33k/yr

Houston Cost of Living FAQ

Is Houston, TX expensive to live in?

Houston has a cost of living index of 98, where 100 is the US average, so it is close to average. It is the 6th most affordable of the 29 Texas cities we track.

What is the average rent in Houston, TX?

Typical rent in Houston is $1,638 a month for all home types as of September 2026, 15% below the national figure of $1,932. One bedroom units average about $1,343 and two bedrooms about $1,933. Source: Zillow Observed Rent Index for the metro area.

Is rent going up in Houston?

Rent in Houston rose 0.1% over the past year, slower than the 2.7% change nationally.

How much is gas in Houston?

Regular unleaded costs about $3.45 a gallon in Houston as of November 11, 2026, based on the AAA average for Texas. That is 13% below the national average of $3.98.

How much is electricity in Houston?

Homes in Texas pay an average of 15.9 cents per kWh (EIA), versus 18.4 cents nationally. At 900 kWh a month, a typical bill in Houston is about $143.

How much is car insurance in Houston?

Full coverage car insurance averages $2,880 a year in Texas, or about $240 a month (Bankrate and NAIC state average), compared with $2,150 a year nationally.

How much do you need to live in Houston?

Median household income in the Houston area is $73,104 (Census ACS 2023, county level). Rent, gas, groceries, electricity and car insurance add up to about $31,825 a year, or 44% of that income. Groceries are counted at $5,502 a year, the average household spend on food at home in the region (BLS Consumer Expenditure Survey).

How does Houston compare with the rest of Texas?

Rent in Houston is 16% above the $1,412 average across the 29 Texas cities we track, and its cost of living index of 98 compares with a state average of 97.

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