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

San Jose

California
254
VS

Irving

Texas
102

San Jose is 149% more expensive than Irving.

$2,617/mo ↑ 73%
Median Rent
$1,517/mo ↓ 42%
$141,565/yr ↑ 78%
Median Income
$79,641/yr ↓ 44%
$1,187,800 ↑ 313%
Home Value
$287,300 ↓ 76%
$2,775/mo ↑ 82%
Owner Costs
$1,521/mo ↓ 45%
990,054
Population
255,036

Tax Comparison

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

Affordability

22.2%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing San Jose, CA and Irving, TX, the overall cost of living indices are 254 and 102 respectively (national median = 100). Rent is $1,100/month cheaper in Irving, saving renters about $13,200/year.

Median household income is $61,924/year higher in San Jose. Home values also differ significantly — the median in San Jose is $1,187,800 compared to $287,300 in Irving.

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

Frequently Asked Questions

San Jose vs Irving — common questions

Is San Jose or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 254 (US average = 100).
What is the rent difference between San Jose and Irving?
Median rent in San Jose is $2,617/month and in Irving it's $1,517/month — a difference of $1,100/month.
Which city has higher income, San Jose or Irving?
Median household income is $141,565 in San Jose and $79,641 in Irving. Median household income is $61,924/year higher in San Jose.
How do taxes compare between California and Texas?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to San Jose or Irving?
It depends on your priorities. San Jose has a cost index of 254 with median rent of $2,617/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View San Jose details → View Irving details →

More Comparisons

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