Dallas Cost of Living vs Salary

Urban Stress Index: 33.23

Is Dallas an affordable place to live? A typical resident spends around 22.7% of income on rent and 10.6% on food. That leaves approximately 66.8% of income available for savings and daily expenses.

The Urban Stress Index (USI) provides a structured way to evaluate cost-of-living pressure in Dallas. By combining housing and essential food costs, it highlights how much income is required to maintain a basic standard of living relative to local wages.

Cost Breakdown

Item Monthly % of Income
Income 5,356 —
Rent (1BR) 1,214 22.7%
Essential Food 566 10.6%
Remaining 3,576 66.8%

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Cost Structure Analysis

This content is currently under development.

Methodology

The Urban Stress Index (USI) measures how much of a typical income is spent on housing and essential food.

USI = Housing burden + Food cost share.

See full methodology here.

Sources

Income data are derived from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates (Table B20017: Median Earnings in the Past 12 Months for Full-Time, Year-Round Workers), adjusted from 2024 to 2026 to reflect recent wage growth and annualized to monthly gross earnings.

Rental indicators reflect the latest median 1-bedroom private market rents sourced from the Apartment List Rent Estimates dataset.

Food cost estimates utilize Numbeo’s Meal at an Inexpensive Restaurant price benchmark as a standardized essential meal-cost proxy, reflecting typical single-person baseline monthly food expenditure.

Contextual Tax Note: Figures represent pre-tax gross income. State-level personal income tax variations (ranging from 0% in states like Washington, Texas, and Florida to over 13% in California) and local municipal sales taxes are not deducted, which meaningfully influence net disposable income margins.

For full details on data collection assumptions and formulas, see the Methodology page.

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