Cost of Living in Fort Worth, Texas

If you're considering a move to Fort Worth, the most important question is: what does it actually cost to live here? The Fort Worth has compiled the full picture — housing, taxes, utilities, transportation, groceries, healthcare — so you can plan accurately. Updated for 2026.

Quick summary

Estimated annual cost for a family of 4 in Fort Worth $65,000-$95,000 ~10% below US average; affordable for a major US city

Housing costs

Median home prices

Median home price$295,000-$420,000
Median rent (2-bedroom)$1,300-$1,900
Property tax rate2.0-2.5%
HOA fees (typical)(varies)

Fort Worth housing market reflects the area's character — research neighborhoods carefully.

Taxes

State income tax0% (Texas/Florida)
Sales tax (state + local)~8%
Property tax rate2.0-2.5%
Vehicle registration (annual)$50-$100

Tax burden is moderate. Texas has no state income tax, balanced by property and sales taxes.

Utilities

Electricity (monthly avg)$120-$200
Water + sewer (monthly)$40-$80
Natural gas (monthly)$20-$50
Internet (100Mbps+)$60-$90
Trash + recycling (monthly)$15-$25

Transportation

Average commute~20-40 min typical for Fort Worth commutes
Gas price (per gallon)$2.80-$3.40
Public transit (monthly pass)Limited; car typically required
Car insurance (annual avg)$1,300-$2,000

A car is typically required for daily life in Fort Worth.

Groceries and food

Family of 4 groceries (monthly)$900-$1,200
Average restaurant meal (2 people)$40-$80
Cost-of-groceries index (US=100)95-105

Healthcare

Primary care visit (no insurance)$120-$200
Avg family health insurance (employer)$22,000-$26,000/year
Out-of-pocket maximums (typical)$8,000-$15,000

Childcare and education

Daycare (monthly, infant)$1,000-$1,400
Preschool (monthly, 4yo)$700-$1,100
Public school (free)Tax-funded
Private school (annual avg)$8,000-$20,000

How Fort Worth compares

Fort Worth is generally affordable compared to major metros, with cost of living shaped by housing and property taxes.

Bottom line

Fort Worth offers solid value for residents. A family of 4 should budget $60-90k for a comfortable lifestyle, with housing as the largest variable.

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