Everything is bigger in Texas, including the retirement opportunities. Many seniors are moving to the Lone Star state, where the summers are hot, and the winters are mild. Texas is known for its larger-than-life personality, but it's a state of beauty as well. You can retire to a small desert town or move to one of the cities and experience some unique culture. Whether you decide to move to Texas, you're entering a world where your golden years will always be fun. With that said, what is the cost of living in Texas? Find out below.
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Texas is a state where the cost of living is almost 9 points below the national average, making it a great state to move to if you're on a budget. Where Texas excels is its housing costs, which are nearly 17 points below the national average. Also, Texas has a median home cost of over $100K below the national average. You will have to pay more for utilities, which are over 3 points above the norm, but otherwise, Texas is an affordable state to move to for a retiree. There's a reason why many are moving here, from its low taxes to its high boots. Visit there and see how it fares you.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
Richardson, TX
4.8 · 54 reviews
Dallas, TX
4.5 · 53 reviews
San Antonio, TX
4.5 · 52 reviews
Conroe, TX
4.4 · 48 reviews
League City, TX
4.4 · 48 reviews
Coppell, TX
4.6 · 46 reviews
Caregivers who come to you
55+ housing without daily care
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Guides for families
Resource library
The federal government has stopped mailing most paper checks, and Social Security wants every beneficiary on direct deposit or a Direct Express card by the end of 2026. Fewer than 1 percent of recipients still get a check in the mail. Here is who is affected, how to switch, and the narrow exceptions that let a few people keep paper.
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The repeal of WEP and GPO restored Social Security for more than 3 million public-sector retirees, and the agency has paid about $17 billion in back benefits. But those lump sums are taxable, a surprise bill hit this filing season, and a proposal in Congress would change it. Here is where things stand.
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Savings
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Savings
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Buying guide
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