Cost of Living: Garland, TX vs Rochester, NY (2026)

Garland

Texas
96
VS

Rochester

New York
61

Garland is 57% more expensive than Rochester.

$1,525/mo ↑ 47%
Median Rent
$1,039/mo ↓ 32%
$74,717/yr ↑ 60%
Median Income
$46,628/yr ↓ 38%
$248,900 ↑ 106%
Home Value
$120,600 ↓ 52%
$1,445/mo ↑ 43%
Owner Costs
$1,009/mo ↓ 30%
245,298
Population
209,720

Tax Comparison

0%
Income Tax
10.9%
6.25%
State Sales Tax
4.0%
1.6%
Property Tax
1.62%

Affordability

24.5%
rent-to-income
Affordability
26.7%
rent-to-income

Detailed Comparison

When comparing Garland, TX and Rochester, NY, the overall cost of living indices are 96 and 61 respectively (national median = 100). Rent is $486/month cheaper in Rochester, saving renters about $5,832/year.

Median household income is $28,089/year higher in Garland. Home values also differ significantly — the median in Garland is $248,900 compared to $120,600 in Rochester.

Texas has no state income tax, giving Garland residents a significant tax advantage over New York's 10.9% rate.

Frequently Asked Questions

Garland vs Rochester — common questions

Is Garland or Rochester cheaper to live in?
Based on our cost index, Rochester is cheaper to live in with an index of 61 compared to 96 (US average = 100).
What is the rent difference between Garland and Rochester?
Median rent in Garland is $1,525/month and in Rochester it's $1,039/month — a difference of $486/month.
Which city has higher income, Garland or Rochester?
Median household income is $74,717 in Garland and $46,628 in Rochester. Median household income is $28,089/year higher in Garland.
How do taxes compare between Texas and New York?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. New York has 10.9% income tax, 4.0% sales tax, and 1.62% property tax.
Should I move to Garland or Rochester?
It depends on your priorities. Garland has a cost index of 96 with median rent of $1,525/mo, while Rochester has a cost index of 61 with rent of $1,039/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Garland details → View Rochester details →

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