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

New York

New York
166
VS

Garland

Texas
96

New York is 73% more expensive than Garland.

$1,779/mo ↑ 17%
Median Rent
$1,525/mo ↓ 14%
$79,713/yr ↑ 7%
Median Income
$74,717/yr ↓ 6%
$751,700 ↑ 202%
Home Value
$248,900 ↓ 67%
$1,837/mo ↑ 27%
Owner Costs
$1,445/mo ↓ 21%
8,516,202
Population
245,298

Tax Comparison

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

Affordability

26.8%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing New York, NY and Garland, TX, the overall cost of living indices are 166 and 96 respectively (national median = 100). Rent is $254/month cheaper in Garland, saving renters about $3,048/year.

Median household income is $4,996/year higher in New York. Home values also differ significantly — the median in New York is $751,700 compared to $248,900 in Garland.

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

Frequently Asked Questions

New York vs Garland — common questions

Is New York or Garland cheaper to live in?
Based on our cost index, Garland is cheaper to live in with an index of 96 compared to 166 (US average = 100).
What is the rent difference between New York and Garland?
Median rent in New York is $1,779/month and in Garland it's $1,525/month — a difference of $254/month.
Which city has higher income, New York or Garland?
Median household income is $79,713 in New York and $74,717 in Garland. Median household income is $4,996/year higher in New York.
How do taxes compare between New York and Texas?
New York has 10.9% income tax, 4.0% sales tax, and 1.62% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to New York or Garland?
It depends on your priorities. New York has a cost index of 166 with median rent of $1,779/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 New York details → View Garland details →

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