What does it cost to live in Frisco, TX? Sources have different reference periods (BLS CE 2024, BEA Regional Price Parities 2024, HUD Fair Market Rents FY2026, USDA May 2026, and TY2026 tax assumptions): the illustrative one-person annual spending scenario is $46,336 and the four-person scenario is $116,313. These partial scenarios exclude unverified local income tax; they are not needs estimates.
The one-person spending scenario corresponds to about $46,336/yr in modeled gross income, excluding unverified local income tax. See the full budget breakdown →
Monthly Household Budget Benchmark
A four-person spending scenario for Frisco.
This illustrative scenario corresponds to $116,313/yr in modeled gross income, about $9,693 a month. It combines a 3BR rental, a USDA food plan, BLS four-person spending averages and a two-adult/two-child tax scenario. These inputs do not establish a minimum adequate income.
Components carry different grains, from ZIP or county (housing) to national adjusted to state price level (CEX rows via BEA Regional Price Parities). Not a recommended salary; not a poverty threshold; components are not weighted into a composite score. See family-of-four methodology →
BEA Regional Price Parities
How expensive is Frisco versus the U.S.?
The overall price level in Dallas-Fort Worth-Arlington, TX metro area is 103.1 against a U.S. average of 100 — +3.1% more expensive than the national average.
All items
103.1
Goods
102.8
Rents
117.9
Utilities
90.7
Other services
99.7
Category
Index (U.S. = 100)
vs U.S.
All items
103.1
+3.1%
Goods
102.8
+2.8%
Rents
117.9
+17.9%
Utilities
90.7
−9.3%
Other services
99.7
−0.3%
Source: BEA Regional Price Parities 2024 · Dallas-Fort Worth-Arlington, TX metro area · methodology →
ACS 5-Year 2020–2024
What do homeowners pay each month in Frisco?
Owners with a mortgage in Frisco pay a median of $3,386/mo in selected owner costs.
Owner cost & property tax — place-grain from the ACS 5-Year 2020–2024. Median monthly selected owner costs (SMOC) cover mortgage payments, property taxes, insurance, utilities, and condo fees where applicable; real-estate taxes paid is the median property-tax bill for owner-occupied units.
Utility prices in Texas — applies to Texas statewide (electricity and natural gas) or its PADD region (gasoline). Residential rates are state averages, not what any specific household pays.
Source: U.S. Energy Information Administration (EIA) · state-grain · methodology →
Census Gov Finances FY2024
State and local tax collections per resident.
Collections in Texas from the Census Annual Survey of State and Local Government Finances, FY2024, divided by its Census PEP 2024 population. These state-level figures include taxes paid by businesses and nonresidents. The U.S. comparison uses published national collections divided by the national population.
Measure
Value
U.S. collections per resident
Total taxes
$5,675 Combined sampling CV unavailable; component covariance not published
$7,244 Combined sampling CV unavailable; component covariance not published
Property taxes
$2,322 Published sampling CV 0.65%
$2,131 Published sampling CV 3.54%
Sales and gross receipts taxes
$2,909 Combined sampling CV unavailable; component covariance not published
$2,547 Combined sampling CV unavailable; component covariance not published
Individual income taxes
$0 Source item absent; treated as structural zero
$1,547 Published sampling CV 0.41%
Corporate income taxes
$0 Source item absent; treated as structural zero
$524 Published sampling CV 0.04%
CV is the sampling standard error as a percentage of the estimate. Total and sales-category CVs cannot be reconstructed from item CVs without their covariance. Comparisons are descriptive; no statistical-significance or household-tax claim is made. Population-denominator uncertainty and nonsampling error are excluded. Methodology →
State Income Tax TY2026
State income tax.
Measure
Value
Note
Top state income tax rate (single filer)
0%
no state wage income tax
Effective state income tax at $75k (single)
0%
no state wage income tax
Source: Texas Comptroller of Public Accounts · TY2026 · state-grain · methodology →
Tax Foundation TY2026
State + local sales tax.
Measure
Rate
Note
State sales tax rate
6.25%
statutory state rate · TY2026
Avg local sales tax rate
1.95%
population-weighted state average · Tax Foundation TY2026
Combined sales tax rate
8.20%
state + avg local · TY2026
Sales tax: state-grain. The "average local rate" is Tax Foundation's population-weighted state-average; actual local rates vary by city, county, and special taxing district. Selective sales taxes (hotels, meals, car rentals) and excise taxes (gasoline, tobacco, alcohol) are excluded.
Source: Tax Foundation · state statutes · TY2026 · methodology →
USDA Food Plans + Food Atlas
Food and grocery access.
Food and grocery access. USDA national food-cost reference plus USDA Food Environment Atlas county-level food access. National plan values are not adjusted for local prices.
Measure
Value
Grain / source
Thrifty Food Plan, family of 4
$1,018/mo
national reference, USDA CNPP
Moderate-Cost Plan, family of 4
$1,387/mo
national reference, USDA CNPP
Liberal Plan, family of 4
$1,675/mo
national reference, USDA CNPP
Grocery stores per 1,000 pop
0.10
county-grain, USDA ERS Atlas 2020
Low food-access population share
19.6%
county-grain, USDA ERS Atlas 2019
SNAP participation rate
11.5%
county-grain, USDA ERS Atlas 2022
Food Atlas county: Collin County, TX. USDA Food Plans observation: May 2026. Alaska and Hawaii shoppers should expect substantially higher prices than the national figure. See food methodology.
Monthly Household Budget Benchmark
Full budget itemization.
Illustrative monthly spending scenarios combine federal sources with explicit assumptions. One-person and four-person BLS spending averages differ. The four-person scenario uses a 3BR rental and two-adult/two-child food, childcare and tax assumptions. These figures do not establish minimum adequate income. Family totals are unavailable when required childcare or MFJ tax inputs are missing; the downloadable data retains the available components and reasons.
Illustrative spending scenarios use BLS CE one-person or four-person consumer-unit averages. They do not measure a minimum adequate income. Housing, food, tax filing and childcare assumptions are separate; broad regional price adjustments are model assumptions. Savings, home internet and insurance premiums are excluded. Negative net tax amounts mean modeled refundable credits exceed modeled taxes.
These scenario totals exclude unverified local income tax. A blank local-tax amount is unknown, not zero. Totals may understate tax-inclusive spending and are excluded from the complete-input benchmark.
Single adult · 1BR rental
Component
Monthly
Grain / source
Housing (1BR rental)
$1,648/mo
HUD FMR FY2026, county/FMR area
Food
$365/mo
national, USDA Low-Cost Plan 2026, regional price-adjustment assumption
↳ Local income tax: unverified and excluded, not zero
—
Total monthly
$9,693/mo
mixed grain
Total annual
$116,313/yr
mixed grain
Modeled gross income (combined)
$116,313/yr
mixed grain, TY2026 federal/state and mixed-vintage local MFJ solver
Includes CTC $4,400/yr (TY2026 federal credits, MFJ).
Food uses USDA adult 19-50 and child 4-5 and 6-8 bands. The scenario matches childcare ages 4 and 8; BLS spending inputs represent all four-person consumer units.
Component grains range from ZIP or county (housing, per HUD SAFMR/FMR coverage) to national (household-size-specific CE means with illustrative BEA regional price adjustments). Childcare uses county-grain DOL NDCP 2022 prices adjusted by the captured BLS Child Care CPI observation; the download records the observation month and factor. Local income tax coverage varies by documented jurisdiction. This is not a recommended salary or a poverty threshold. See household budget methodology, family-of-four methodology, and local income tax methodology.
Source detail: Cost-of-living and household budget context
Cost-of-living and household budget context
Source agency
Every City In The USA (derived from federal primary sources)
Dataset
Every City — Monthly Household Budget Composite (derived)
Vintage / period
Derived · updated after each upstream refresh
Native geography
Mixed public-source grain: city, county, metro, ZIP/FMR area, state, regional, and national inputs.
Transformation
Every City attaches documented source layers to a city and computes budget components; it does not publish one universal cost score.
Known limit: Benchmark context, not a salary recommendation, policy threshold, or city-precise price index.
Headline figures: BEA Regional Price Parities 2024 and the family-of-four Monthly Household Budget Benchmark. Build a full side-by-side on Compare cost of living.
Methodology
How these figures are computed.
Every figure on this page comes from a primary federal source. No composite index is produced; figures are presented per-component with grain labels so readers can trace each number to its source.
