Carrollton, TX vs. Irving, TX: Cost of Living Comparison (2025)
Considering a move to the Dallas suburbs of Carrollton or Irving? This article provides a detailed cost of living comparison to help you decide which city fits your budget in 2025. We’ll look at housing, utilities, groceries, taxes and more to determine the winner.
Housing Costs: Carrollton vs Irving
Housing is the biggest factor in the cost of living difference between Carrollton and Irving. Here’s how typical rent and mortgage costs compare:
| Housing Type | Carrollton | Irving |
|---|---|---|
| 2BR Apartment Rent | $1,600 | $1,850 |
| 3BR Home Mortgage | $2,100 | $2,400 |
🏆 Winner: Carrollton. Housing costs an estimated 14% less in Carrollton compared to Irving. A household moving from Irving to Carrollton might save $400/month on housing alone.
Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $200/month for electricity, water, gas and trash in a 2BR apartment. Larger homes will have higher bills, especially in the hot summer months when AC usage peaks.
🏆 Winner: Tie. No significant cost difference for utilities.
Groceries and Daily Expenses
The cost of groceries, dining out, and everyday goods is comparable in Carrollton and Irving. Both have a mix of major supermarkets, local markets, chain restaurants and unique eateries. Sample monthly budgets for Carrollton show a single person spends around $350/month on groceries and dining out.
🏆 Winner: Tie. Similar costs for groceries and daily living.
Taxes and Fees in Carrollton vs Irving
Property taxes are slightly higher in Irving at an average rate of 2.14% vs 1.98% in Carrollton. For a $350,000 home, that’s a difference of $560/year. Both cities charge a 1% local sales tax on top of the 6.25% Texas state sales tax.
🏆 Winner: Carrollton. Lower property tax rates give Carrollton the edge.
Cost of Living Summary
| Category | Carrollton | Irving |
|---|---|---|
| Housing | $1,600 – $2,100 | $1,850 – $2,400 |
| Utilities | $200 | $200 |
| Groceries | $350 | $350 |
| Transportation | $60 | $60 |
| Taxes | 1.98% property tax | 2.14% property tax |
| Estimated Monthly Total | $2,210 – $2,710 | $2,460 – $3,010 |
Lifestyle Fit: Carrollton or Irving?
Carrollton offers more affordable housing in a quiet suburban setting, ideal for families. Irving has more public transportation options and a shorter commute to major employers in the DFW metroplex. Both cities have highly rated schools, parks, dining and recreation.
Frequently Asked Questions
Is Carrollton more affordable than Irving?
Yes, Carrollton has a lower overall cost of living, primarily due to cheaper housing costs. Monthly expenses are an estimated $250-$300 less in Carrollton.
Which city has lower rent?
Carrollton has lower average rent, with 2BR apartments around $1,600/month compared to $1,850/month in Irving.
Where is it cheaper to buy a home?
Carrollton has lower median home prices and slightly lower property taxes, making it more affordable for homebuyers. A typical mortgage payment is $300/month less in Carrollton vs Irving.
The Bottom Line
While both Carrollton and Irving offer a high quality of life, Carrollton comes out ahead on cost of living. Lower housing costs make it attractive for families, retirees, and anyone looking to get more for their money in the Dallas suburbs. However, Irving may be worth the premium for those prioritizing a closer commute and urban conveniences.
Considering other cities in the area? Check out our cost of living breakdown for nearby Plano, TX.