Cost of Living: Memphis, TN vs Garland, TX (2026)

Memphis

Tennessee
68
VS

Garland

Texas
96

Memphis is 29% cheaper than Garland.

$1,123/mo ↓ 26%
Median Rent
$1,525/mo ↑ 36%
$51,211/yr ↓ 31%
Median Income
$74,717/yr ↑ 46%
$157,100 ↓ 37%
Home Value
$248,900 ↑ 58%
$1,087/mo ↓ 25%
Owner Costs
$1,445/mo ↑ 33%
629,063
Population
245,298

Tax Comparison

0%
Income Tax
0%
7.0%
State Sales Tax
6.25%
0.64%
Property Tax
1.6%

Affordability

26.3%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Memphis, TN and Garland, TX, the overall cost of living indices are 68 and 96 respectively (national median = 100). Rent is $402/month cheaper in Memphis, saving renters about $4,824/year.

Median household income is $23,506/year higher in Garland. Home values also differ significantly — the median in Memphis is $157,100 compared to $248,900 in Garland.

Frequently Asked Questions

Memphis vs Garland — common questions

Is Memphis or Garland cheaper to live in?
Based on our cost index, Memphis is cheaper to live in with an index of 68 compared to 96 (US average = 100).
What is the rent difference between Memphis and Garland?
Median rent in Memphis is $1,123/month and in Garland it's $1,525/month — a difference of $402/month.
Which city has higher income, Memphis or Garland?
Median household income is $51,211 in Memphis and $74,717 in Garland. Median household income is $23,506/year higher in Garland.
How do taxes compare between Tennessee and Texas?
Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Memphis or Garland?
It depends on your priorities. Memphis has a cost index of 68 with median rent of $1,123/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Memphis details → View Garland details →

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