Skyline of Garland
Cost of Living: 96.5 239,928

Garland, TX, US

Dallas suburb with diversity, Lake Ray Hubbard, and no state income tax.

Updated August 11, 2026
Cost of Living 96.5

Below Average vs US Avg (100)

Housing Index 92.4

Affordable

Median Income $58,000

Household income

Unemployment 3.5%

Job market health

Garland vs US Average

Cost of Living
Garland: 96.5
US Avg: 100
Housing Index
Garland: 92.4
US Avg: 100

Taxes

  • State Income Tax: None
  • Sales Tax: 8.2%

Economy & Jobs

  • Median Income: $58,000
  • Unemployment: 3.5%
  • Population: 239,928

Climate

  • Sunny Days: 232/year
  • Summer High: 96°F
  • Winter Low: 35°F
  • Farming Zone: USDA Zone 6a

Housing

  • Median Home: $280,000
  • 1BR Rent: $1250/mo

Cost of Living

Garland's cost of living index is 96.5 (US average = 100).

CategoryGarlandNational AverageDifference
Overall96.5100-3.5%
Housing92.4100-7.6%

Data source: Council for Community and Economic Research (C2ER), 2026

Housing Market

MetricValue
Median Home Price$280,000
Median Rent (1BR)$1250/mo
Median Rent (2BR)$1,563/mo
Price per Sq Ft$186

Data source: Zillow Research, 2026

True Cost of Home Ownership

True Cost of Home Ownership

See what you'll really pay over 30 years

$
%
$90,000 down
%
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$

Utilities

Estimated monthly utility costs for a typical household in Garland:

UtilityEstimated Monthly CostNotes
Electricity$130Based on ~900 kWh/month typical US household usage
Heating & Cooling$52Estimated based on local climate. Gas or electric
Cooling (AC)$26Estimated based on local climate and electricity rates
Water$75Includes sewer
Internet (100+ Mbps)$55Broadband average
Garbage / Trash$30Private service
Total Utilities$368Monthly estimate (including heating & cooling)

Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Remote Work Score

Garland scores —/100 for remote work readiness:

Cost of Living
96.5
Rent
$1250
Sunny Days
232
Tax
None
Unemployment
3.5%
Climate
96°F / 35°F
Safety
4.9 homicides/100k
Population
239,928
Internet Speed
200 Mbps

Climate

Garland has a varied climate with distinct seasons.

MonthAvg HighAvg LowRainfall
January55°F35°F2.5"
April81°F50°F2.8"
July96°F71°F1.5"
October76°F53°F2.2"
USDA Zone 6a

Cool to mild — apples, pears, berries, many vegetables

Natural Hazards

Garland faces the following natural hazards:

Heat Wave Extreme Risk

Extreme summer heat.

Wildfire High Risk

Frequent wildfire seasons.

Hurricane High Risk

Gulf Coast frequently affected by hurricanes.

Tornado High Risk

Tornado Alley with frequent tornadoes.

Flood High Risk

Coastal flooding and flash floods.

Drought High Risk

Frequent drought conditions.

Sandstorm Moderate Risk

Dust storms in western regions.

Based on historical records and geographic risk assessment.

Taxes

  • State Income Tax: 0% (None)
  • Sales Tax: 8.25%
  • Property Tax: ~1.93% of assessed value

Economy & Jobs

Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 3.5%.

Crime & Safety

Crime rates in Garland per 100,000 residents:

232.7
Violent Crime
1,988.2
Property Crime
4.9
Homicide

Data source: FBI Uniform Crime Reporting

Schools & Education

38/100
School Quality Score
Better than 22% of US cities
?
60
Total Schools
11.7:1
Student:Teacher
96.6%
Free/Reduced Lunch

Data source: National Center for Education Statistics (NCES)

Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.

Frequently Asked Questions

What is the cost of living in Garland, TX, US?

The cost of living index in Garland is 96.5, which is Lower the US national average of 100.

How much does it cost to buy a home in Garland?

The median home price in Garland is $280,000. The housing index is 92.4.

What is the average rent for a 1-bedroom apartment?

The average rent for a 1-bedroom apartment in Garland is approximately $1250/mo.

Does Garland, TX have income tax?

Garland is in TX, which has no income tax.

What is the climate like in Garland?

Garland enjoys approximately 232 sunny days per year. Summer highs reach around 96°F, while winter lows can drop to around 35°F.

Data Sources

  • Cost of Living: Council for Community and Economic Research (C2ER), 2026
  • Housing Data: Zillow Research, 2026
  • Income & Employment: US Census Bureau American Community Survey, 2024
  • Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.