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.
Related guides
More from The Fort Worth
Local guides, business directory, and how to reach our readers.