What is the cost of living in Gainesville, TX?
According to the most recent data on the cost of living, Gainesville has an overall cost of living index of 88, which is 0.9x lower than the national index of 100.
Compared to Texas, Gainesville has a cost of living index that's 0.9x lower than Texas's index of 93.
The standard of living in Gainesville ranks as #77 most affordable out of the 419 places we measured in Texas. By definition, that implies Gainesville ranks as the #342 most expensive place in the Lone Star State.
For more reading on life in Gainesville, check out:
Gainesville Cost Of Living Vs. Texas
Six factors go into calculating the cost of living index in Gainesville. Here is how it fares on each of the criteria:
The Services index in Gainesville is 97.
The Groceries index in Gainesville is 100.
The Health index in Gainesville is 68.
The Housing index in Gainesville is 96.
The Transportation index in Gainesville is 101.
The Utilities index in Gainesville is 92.
| Living Expense | Gainesville | Texas | National Average |
|---|---|---|---|
| Overall | 88 | 93 | 100 |
| Services | 97 | 100 | 100 |
| Groceries | 100 | 99 | 100 |
| Health | 68 | 81 | 100 |
| Housing | 96 | 97 | 100 |
| Transportation | 101 | 103 | 100 |
| Utilities | 92 | 100 | 100 |
Gainesville Cost Of Living Compared To Texas Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Texas, check out:
Protect your home budget Compare home warranties in Gainesville Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Gainesville, TX Housing Cost Breakdown
Housing swings affordability the most between places in Texas, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Gainesville is $250,182.
The Median Rent in Gainesville is $1,038.
The Median Income in Gainesville is $58,809.
The Home Value To Income in Gainesville is 4.3x.
The Rent To Monthly Income in Gainesville is 0.21x.
| Statistic | Gainesville | Texas | United States |
|---|---|---|---|
| Median Home Value | $250,182 | $300,957 | $332,700 |
| Median Rent | $1,038 | $1,403 | $1,413 |
| Median Income | $58,809 | $78,476 | $80,734 |
| Home Value To Income | 4.3x | 3.8x | 4.1x |
| Rent To Monthly Income | 0.21x | 0.21x | 0.21x |
Gainesville, TX Costs By Category
Detailed Gainesville Services costs vs. Texas
| Item | Gainesville | Texas |
|---|---|---|
| Shampoo | $1.22 | $1.28 |
| Movie | $11.85 | $12.13 |
| Bowling | $16.96 | $18 |
| Haircut | $23.57 | $24.26 |
| Beauty Salon | $35.11 | $45.56 |
Detailed Gainesville Groceries costs vs. Texas
| Item | Gainesville | Texas |
|---|---|---|
| Ground Beef | $5.44 | $5.84 |
| Fried Chicken | $1.32 | $1.57 |
| Milk | $4.63 | $4.67 |
| Potatoes | $4.15 | $4.93 |
| Pizza | $11.96 | $12.09 |
| Beer | $10.27 | $10.41 |
| Toothpaste | $3.51 | $3.7 |
Detailed Gainesville Health costs vs. Texas
| Item | Gainesville | Texas |
|---|---|---|
| Optometrist | $96.63 | $125.68 |
| Doctor | $131.0 | $135.78 |
| Dentist | $86.73 | $113.29 |
Detailed Gainesville Transportation costs vs. Texas
| Item | Gainesville | Texas |
|---|---|---|
| Gasoline | $3.47 | $3.46 |
| Tire Balancing | $66.47 | $59.92 |
Detailed Gainesville Utilities costs vs. Texas
| Item | Gainesville | Texas |
|---|---|---|
| All Electricity | $145.64 | $193.99 |
| Phone | $208.71 | $192.25 |
Gainesville SnackAbility
Cost Of Living In Cities Around Gainesville
The cost of living varies in the cities and towns around Gainesville. Here's a quick look at the cost of living in the most populous nearby places:
Plano, TX has a cost of living index of 120, 1.4x Gainesville.
Frisco, TX has a cost of living index of 133, 1.5x Gainesville.
McKinney, TX has a cost of living index of 122, 1.4x Gainesville.
| City | Population | Cost Of Living | Vs. Gainesville |
|---|---|---|---|
| Plano, TX | 290,594 | 120 | 1.4x |
| Frisco, TX | 219,304 | 133 | 1.5x |
| McKinney, TX | 210,600 | 122 | 1.4x |
| Carrollton, TX | 133,740 | 113 | 1.3x |
| Allen, TX | 110,265 | 120 | 1.4x |
| Flower Mound, TX | 78,389 | 128 | 1.5x |
| Keller, TX | 45,976 | 136 | 1.5x |
| Coppell, TX | 42,154 | 132 | 1.5x |
| Southlake, TX | 31,137 | 165 | 1.9x |
| Corinth, TX | 23,385 | 111 | 1.3x |
