Carrollton, TX vs. Garland, TX: Cost of Living Comparison (2025)
Comparing cost of living between Carrollton and Garland, TX can help families relocating to the Dallas area, professionals choosing between job offers, or anyone deciding which city fits their budget in 2025. This article breaks down the key factors, from housing to groceries, to determine which suburb is more affordable.
1. Housing Costs
Housing is often the biggest expense. Here’s how typical rent and mortgage costs compare:
| Housing Type | Carrollton | Garland |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,450 | $1,250 |
| 3BR House (Median Price) | $450,000 | $380,000 |
🏆 Winner: Garland. Renting a 2-bedroom or buying a 3-bedroom home is about 15% cheaper in Garland compared to Carrollton.
2. Utilities and Energy Costs
Utility bills are fairly similar between the two cities. Expect to pay around $150-200 per month for electricity, gas, water, and trash. Air conditioning costs spike in the summer, while heating is minimal in winter.
🏆 Winner: Tie. No major difference in utility costs.
3. Groceries and Daily Expenses
Grocery prices are comparable in Carrollton and Garland. A gallon of milk averages $3.50, a loaf of bread is about $2.75, and a dozen eggs cost around $2.90 in both cities. Eating out is also similarly priced, with a basic meal at an inexpensive restaurant running $14-16.
🏆 Winner: Tie. Groceries and daily costs are neck and neck.
4. Taxes and Fees
Property tax rates are 2.72% in Carrollton and 2.66% in Garland – a negligible difference. HOA fees range from $200-500/month in both cities depending on amenities. Garland has slightly higher city service fees for utilities and waste management.
🏆 Winner: Carrollton edges out Garland with marginally lower property taxes and city fees.
5. Cost Summary
| Category | Carrollton | Garland |
|---|---|---|
| Housing (3BR Home) | $3,200 | $2,700 |
| Utilities | $180 | $180 |
| Groceries | $400 | $400 |
| Transportation | $60 | $55 |
| Taxes & Fees | $1,020 | $900 |
| Misc | $250 | $250 |
| Estimated Monthly Total | $5,110 | $4,485 |
Note: All income figures are expressed as gross monthly income (pre-tax).
6. Lifestyle Fit
While Garland is more affordable overall, Carrollton offers more space and slightly better schools. Garland has better public transit and walkability. Both are equally convenient for commuting. Summers are hot, averaging 96°F in July.
7. FAQ
- Is Carrollton more affordable than Garland? No, Garland has lower housing costs and a cheaper overall cost of living.
- Which city has lower rent? Garland rents are about 15% cheaper for a comparable apartment.
- Where is it cheaper to buy a home? Median home prices are around $70,000 less in Garland vs Carrollton.
8. Conclusion
Garland comes out ahead as the more affordable place to live, primarily due to lower housing costs. A household moving from Carrollton to Garland might save $400/month on housing alone. However, Carrollton can be worth the premium for families seeking top schools and more space.
To dive deeper, check out these Sample Monthly Budgets for Carrollton in 2025 and a full Cost of Living in Carrollton, TX: What You’ll Really Spend in 2025.
Ultimately, both Carrollton and Garland offer a high quality of life in the Dallas metro. Your specific needs for space, schools, and transit should guide your choice. Comparing your cost of living in other Texas cities can also help you make the best decision.