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Cost of Living · Texas

El Paso Cost of Living

El Paso, Texas costs approximately 9.0% below the US national average. Compare with 99 other major US cities.

0.91×
cost-of-living index (1.00 = US national average)
El Paso ranks 11 of 12 cities in Texas by cost of living.
Cities MORE expensive than El Paso (84)
San Francisco, CA
+59.3% more expensive
Oakland, CA
+48.4% more expensive
New York City, NY
+45.1% more expensive
Honolulu, HI
+42.9% more expensive
Irvine, CA
+42.9% more expensive
Los Angeles, CA
+34.1% more expensive
Boston, MA
+34.1% more expensive
San Diego, CA
+33.0% more expensive
Yonkers, NY
+31.9% more expensive
Anchorage, AK
+31.9% more expensive
Seattle, WA
+29.7% more expensive
Long Beach, CA
+29.7% more expensive
Anaheim, CA
+29.7% more expensive
Scottsdale, AZ
+29.7% more expensive
Chula Vista, CA
+26.4% more expensive
Miami, FL
+23.1% more expensive
Portland, OR
+20.9% more expensive
Newark, NJ
+20.9% more expensive
Sacramento, CA
+20.9% more expensive
Riverside, CA
+20.9% more expensive
Denver, CO
+18.7% more expensive
Chicago, IL
+15.4% more expensive
Austin, TX
+15.4% more expensive
Baltimore, MD
+15.4% more expensive
Stockton, CA
+15.4% more expensive
Aurora, CO
+15.4% more expensive
Hialeah, FL
+15.4% more expensive
Frisco, TX
+15.4% more expensive
Las Vegas, NV
+14.3% more expensive
Minneapolis, MN
+14.3% more expensive
Plano, TX
+14.3% more expensive
Chandler, AZ
+14.3% more expensive
Phoenix, AZ
+12.1% more expensive
Philadelphia, PA
+12.1% more expensive
Atlanta, GA
+12.1% more expensive
Tampa, FL
+12.1% more expensive
Henderson, NV
+12.1% more expensive
Reno, NV
+12.1% more expensive
Gilbert, AZ
+12.1% more expensive
Charleston, SC
+12.1% more expensive
Salt Lake City, UT
+12.1% more expensive
Orlando, FL
+11.0% more expensive
Wilmington, DE
+9.9% more expensive
Raleigh, NC
+9.9% more expensive
Virginia Beach, VA
+9.9% more expensive
St. Paul, MN
+9.9% more expensive
Chesapeake, VA
+9.9% more expensive
North Las Vegas, NV
+9.9% more expensive
Boise, ID
+9.9% more expensive
Fresno, CA
+9.9% more expensive
Worcester, MA
+9.9% more expensive
Dallas, TX
+8.8% more expensive
Nashville, TN
+8.8% more expensive
Colorado Springs, CO
+8.8% more expensive
Bakersfield, CA
+8.8% more expensive
St. Petersburg, FL
+8.8% more expensive
Madison, WI
+8.8% more expensive
Norfolk, VA
+7.7% more expensive
Jacksonville, FL
+6.6% more expensive
Charlotte, NC
+6.6% more expensive
Mesa, AZ
+6.6% more expensive
Houston, TX
+5.5% more expensive
Fort Worth, TX
+5.5% more expensive
Tucson, AZ
+5.5% more expensive
Glendale, AZ
+5.5% more expensive
Garland, TX
+5.5% more expensive
Spokane, WA
+5.5% more expensive
Pittsburgh, PA
+4.4% more expensive
Arlington, TX
+4.4% more expensive
Tallahassee, FL
+4.4% more expensive
Milwaukee, WI
+3.3% more expensive
Albuquerque, NM
+3.3% more expensive
New Orleans, LA
+3.3% more expensive
San Antonio, TX
+2.2% more expensive
Grand Rapids, MI
+2.2% more expensive
Columbus, OH
+1.1% more expensive
Detroit, MI
+1.1% more expensive
Cincinnati, OH
+1.1% more expensive
Kansas City, MO
+1.1% more expensive
Lexington, KY
+1.1% more expensive
Corpus Christi, TX
+1.1% more expensive
Buffalo, NY
+1.1% more expensive
Greensboro, NC
+1.1% more expensive
Knoxville, TN
+1.1% more expensive
Cities CHEAPER than El Paso (12)
Indianapolis, IN
−1.1% cheaper
Louisville, KY
−1.1% cheaper
Omaha, NE
−1.1% cheaper
Memphis, TN
−2.2% cheaper
Oklahoma City, OK
−2.2% cheaper
Lincoln, NE
−2.2% cheaper
Birmingham, AL
−3.3% cheaper
Toledo, OH
−3.3% cheaper
Lubbock, TX
−3.3% cheaper
Wichita, KS
−5.5% cheaper
Fort Wayne, IN
−5.5% cheaper
Mobile, AL
−5.5% cheaper

What living in El Paso costs

El Paso runs at 0.91x the US national average — 84 of the 99 other metros tracked here cost more, 12 cost less. A one-bedroom goes for about $900 a month, or $10,800 a year, and the median home sits near $220,000.

The price-to-rent ratio here is roughly 20, which is high. Above about 20, renting and investing the down payment usually beats buying over a normal holding period — the purchase price is steep relative to what the same property earns as a rental.

Working and living here

El Paso is a metro of roughly 0.9M and growing steadily, running on defense/military, manufacturing, logistics/trade. Larger employers include Fort Bliss (Army), El Paso ISD, University Medical Center.

Texas levies no state income tax and El Paso adds no local one, so the only income tax withheld here is federal. That is worth several thousand dollars a year against a comparable salary in a taxing state — though property and sales taxes in no-income-tax states tend to run above average, so the advantage narrows once you buy.

Getting around: El Paso is effectively car-dependent. Budget for a car — around $9,000 a year all-in once insurance, fuel, maintenance and parking are counted, a cost the index assumes but does not itemise.

Climate: January highs near 57°F/lows near 32°F, sunny and dry; July highs near 96°F/lows near 71°F, desert heat.

No state or local income tax, and one of the cheapest large metros in the US for housing, but property tax rates in El Paso County run around 2.2-2.4%.

Related tools

Paycheck calculator — take-home after federal, state and local tax. Salary calculator — pay by job and state. Compare against another metro.

Frequently Asked Questions

Is El Paso expensive to live in?▾
Relative to the US average, no — the cost index is 0.91x, above 12 and below 84 of the 99 other metros tracked here. A one-bedroom averages $900 a month and the median home $220,000.
What salary do you need to live comfortably in El Paso?▾
A common rule keeps rent under 30% of gross income, which at $900 a month implies about $36,000 a year for a one-bedroom. That is a floor rather than a comfortable figure — it leaves nothing for savings or the car this metro effectively requires.