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​Cost of Living in Fort Worth, Texas

The first thing I noticed when I moved here was how manageable the cost of living really is, especially compared to other major cities across Texas and the country. Coming from a more expensive metro area, it was refreshing to find a place where I could stretch my paycheck without sacrificing the perks of city life. From affordable neighborhoods and low property taxes to reasonably priced groceries and gas, the cost of living in Fort Worth, Texas, strikes a pretty good balance between comfort and value. Whether you're a young professional, a growing family, or even someone thinking about retirement, understanding how much it truly costs to live here can help you make a confident, informed move. Let me walk you through what it’s like to budget and live in this laid-back, lively Texas city.

Housing Costs in Fort Worth

Housing is a significant component of the cost of living in Fort Worth, Texas. As of 2025, the median home price in Fort Worth is approximately $306,700, which is 9.3% less expensive than the national average of $338,100 . Renting is also relatively affordable, with a two-bedroom unit averaging $1,590 per month, slightly above the national average but still competitive .​ The city's housing market offers a range of options, from historic homes to modern apartments. This diversity allows residents to find accommodations that fit their budgets and lifestyles. Compared to neighboring cities like Dallas, where housing is 8% more expensive, Fort Worth provides a more cost-effective living environment .

Utilities and Monthly Expenses

Utilities contribute notably to the cost of living in Fort Worth, Texas. On average, residents pay about $230.80 per month for energy bills, which is 14% higher than the national average . Phone services add approximately $211.86 to monthly expenses .​ These costs can vary based on usage and service providers. It's advisable for residents to compare utility plans and consider energy-efficient appliances to manage expenses effectively. Despite higher utility costs, the overall cost of living remains manageable due to savings in other areas.​

Grocery and Food Expenses

Food prices are a vital part of the cost of living in Fort Worth, Texas. Grocery prices are about 1% lower than the national average, offering some relief to residents . For instance, a gallon of milk costs around $4.59, and a dozen eggs are approximately $3.82. Dining out is also reasonably priced, with a meal at a mid-range restaurant averaging $15. The city's diverse culinary scene caters to various budgets, allowing residents to enjoy a range of dining experiences without overspending.​

Transportation Costs

Transportation is another factor influencing the cost of living in Fort Worth, Texas. Gas prices average $3.32 per gallon, slightly below the national average. Public transportation is available, but many residents rely on personal vehicles, impacting monthly transportation budgets.​ The city's infrastructure supports commuting, but traffic congestion during peak hours can affect fuel efficiency. Carpooling and using public transit options can help mitigate transportation costs for daily commuters.​

Healthcare Expenses

Healthcare costs in Fort Worth are approximately 6% higher than the national average . A typical doctor's visit costs around $148.33, and a dentist visit is about $121.97 . These expenses contribute to the overall cost of living in Fort Worth, Texas.​ Residents should consider health insurance plans that offer comprehensive coverage to manage these costs effectively. Preventive care and utilizing in-network providers can also help reduce out-of-pocket expenses.​

Education and Childcare

Education and childcare are significant considerations for families assessing the cost of living in Fort Worth, Texas. Public schools are available, but private schooling and daycare services add to monthly expenses. The average cost for full-time daycare is approximately $800 to $1,200 per month, depending on the facility and child's age.​ Higher education institutions, such as Texas Christian University, contribute to the city's educational landscape. While tuition costs vary, scholarships and financial aid options are available to assist students in managing expenses.​

Entertainment and Leisure

Entertainment options in Fort Worth are diverse and cater to various interests. From the Fort Worth Stockyards to the Kimbell Art Museum, residents have access to cultural and recreational activities. Movie tickets average around $12, and fitness club memberships are approximately $40 per month.​ These leisure activities contribute to the overall cost of living in Fort Worth, Texas, but the city's affordability allows residents to enjoy a balanced lifestyle without excessive spending.​

Comparing Fort Worth to Other Texas Cities

When comparing the cost of living in Fort Worth, Texas, to other major cities like Austin and Dallas, Fort Worth often emerges as the more affordable option. For example, rent prices in Austin are 32.1% higher than in Fort Worth . Similarly, the overall cost of living in Dallas is 0.8% more expensive than in Fort Worth. These comparisons highlight Fort Worth's appeal to individuals and families seeking a balance between urban amenities and cost-effective living. The city's economic growth and development continue to attract new residents looking for affordability without sacrificing quality of life.​

Fort Worth's Job Market and Income Levels

Job opportunities directly affect your ability to manage living expenses. Fort Worth has seen consistent job growth across tech, healthcare, and aviation sectors. The average salary here is about $58,000 annually, which balances well with the overall cost of living in Fort Worth, Texas. Major employers include Lockheed Martin, American Airlines, and Texas Health Resources. To get a sense of salary comparisons and job trends, check out Indeed’s Fort Worth job listings.

Is the Cost of Living in Fort Worth, Texas Good for Retirees?

Many retirees find Fort Worth ideal due to its tax-friendly status, no state income tax, and relatively low housing costs. Active adult communities and proximity to quality medical care are also strong selling points. However, long hot summers and property taxes can be drawbacks. Resources like Retirement Living Fort Worth help retirees assess if this city aligns with their financial and lifestyle goals.

Cost of Living for College Students in Fort Worth

With universities like TCU and Texas Wesleyan, Fort Worth is a vibrant college town. Students face moderate rent prices near campus, typically $800–$1,200 for shared housing. Affordable public transit, student discounts, and free campus amenities help reduce the cost of living in Fort Worth, Texas, for those attending school here. TCU’s cost of attendance offers a good breakdown for students budgeting their college life.

Is Fort Worth Affordable for First-Time Homebuyers?

Yes, and it’s one of the few major U.S. cities where homeownership is still attainable. The cost of living in Fort Worth, Texas, combined with competitive mortgage rates, makes it an attractive place to put down roots. Local programs like Fort Worth Housing Solutions help residents with down payment assistance and low-interest loans, great tools for new buyers navigating the market.

How Much Should You Make to Live Comfortably in Fort Worth?

A common question is what salary covers the cost of living in Fort Worth, Texas, without financial stress. For a single adult, $52,000 per year is a comfortable target. For a family of four, closer to $85,000–$95,000 is recommended. This estimate accounts for rent, transportation, healthcare, groceries, and modest entertainment. You can use calculators like MIT’s Living Wage Calculator for personalized estimates.

Is the Cost of Living in Fort Worth, Texas Worth It?

In short, yes, for most people. Fort Worth’s reasonable housing prices, tax advantages, and growing job market make it one of the most balanced cities in Texas. Whether you're relocating from another part of Texas or out of state, hiring experienced movers in Fort Worth can help make your transition smooth. Our commitment to customer satisfaction is evident in our transparent pricing, with options for both hourly and flat-rate billing, and our dedication to handling belongings with utmost care. With a strong presence in Fort Worth and surrounding areas, we stand out as a reliable choice for those seeking a stress-free moving experience. Whether you're a remote worker, family, retiree, or young professional, the cost of living in Fort Worth, Texas, offers long-term financial sustainability without sacrificing quality of life. With a little planning, you can find the right neighborhood, budget effectively, and enjoy all that this dynamic city has to offer.
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