Cost of Living: Irving, TX vs Richmond, CA (2026)

Irving

Texas
102
VS

Richmond

California
161

Irving is 37% cheaper than Richmond.

$1,517/mo ↓ 20%
Median Rent
$1,895/mo ↑ 25%
$79,641/yr ↓ 12%
Median Income
$90,038/yr ↑ 13%
$287,300 ↓ 56%
Home Value
$650,100 ↑ 126%
$1,521/mo ↓ 25%
Owner Costs
$2,015/mo ↑ 32%
255,036
Population
115,396

Tax Comparison

0%
Income Tax
13.3%
6.25%
State Sales Tax
7.25%
1.6%
Property Tax
0.71%

Affordability

22.9%
rent-to-income
Affordability
25.3%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Richmond, CA, the overall cost of living indices are 102 and 161 respectively (national median = 100). Rent is $378/month cheaper in Irving, saving renters about $4,536/year.

Median household income is $10,397/year higher in Richmond. Home values also differ significantly — the median in Irving is $287,300 compared to $650,100 in Richmond.

Texas has no state income tax, giving Irving residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Irving vs Richmond — common questions

Is Irving or Richmond cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 161 (US average = 100).
What is the rent difference between Irving and Richmond?
Median rent in Irving is $1,517/month and in Richmond it's $1,895/month — a difference of $378/month.
Which city has higher income, Irving or Richmond?
Median household income is $79,641 in Irving and $90,038 in Richmond. Median household income is $10,397/year higher in Richmond.
How do taxes compare between Texas and California?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Irving or Richmond?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Richmond has a cost index of 161 with rent of $1,895/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Richmond details →

More Comparisons

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