Frisco, TX vs. Plano, TX: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Frisco vs Plano. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Frisco vs Plano in 2025.
Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Frisco and Plano compare for common housing options:
| Housing Type | Frisco | Plano |
|---|---|---|
| Median 2BR Apartment Rent | $1,950 | $1,800 |
| Median 3BR Home Price | $550,000 | $475,000 |
🏆 Winner: Plano. Housing costs an estimated 10-15% less in Plano compared to Frisco.
Utilities and Energy Costs
Utility bills are a major monthly expense. In Frisco and Plano, expect to pay:
- Electricity: $120-180/month
- Gas: $30-50/month
- Water/Sewer/Trash: $80-120/month
Both cities experience hot summers, so electric bills peak June through September. Plano offers more public transportation options, which can reduce gas costs for commuters.
🏆 Winner: Plano has a slight edge on utility costs overall.
Groceries and Daily Expenses
Grocery prices are fairly comparable between Frisco and Plano. Expect to spend around $400-500/month per adult on groceries and household items in either city.
Eating out is also similar, with a typical meal out costing $12-18 per person. Frisco has more high-end dining options that can increase this average.
🏆 Winner: Tie. Grocery and daily living costs are nearly identical.
Taxes and Fees
Texas has no state income tax, but property taxes and city fees still impact cost of living:
- Frisco property tax rate: 1.96%
- Plano property tax rate: 1.86%
- Frisco HOA fees: $50-300/month
- Plano HOA fees: $30-250/month
In Frisco, HOA fees often include landscaping and community amenities. Plano has slightly lower property taxes and fees overall.
🏆 Winner: Plano has moderately lower tax rates and city fees.
Cost Summary
| Category | Frisco | Plano |
|---|---|---|
| Housing | $1,950 – $2,500 | $1,800 – $2,200 |
| Utilities | $230 – $350 | $210 – $320 |
| Groceries | $400 – $500 | $400 – $500 |
| Transportation | $150 – $250 | $120 – $200 |
| Taxes & Fees | $300 – $600 | $250 – $500 |
| Misc Expenses | $200 – $400 | $200 – $400 |
| Estimated Monthly Total | $3,230 – $4,600 | $2,980 – $4,120 |
These figures reflect estimated gross monthly income (pre-tax) needed to maintain an equivalent standard of living.
Lifestyle Fit
Cost is just one factor in choosing between Frisco and Plano. Also consider:
- Frisco has more new construction and spacious housing options
- Plano offers better walkability and public transit access
- Frisco is further from major highways, meaning longer commutes
- Plano is more established with older homes and neighborhoods
Plano averages 1-2°F warmer than Frisco during summer months. But both cities experience long, hot, humid summers and mild winters.
Frequently Asked Questions
- Is Frisco more affordable than Plano? Plano is an estimated 5-10% cheaper overall.
- Which city has lower rent? Plano rent prices are around 10% lower on average.
- Where is it cheaper to buy a home? Plano home prices are roughly 15% less than Frisco.
Conclusion
While Frisco and Plano offer a similar suburban lifestyle, Plano comes out ahead on affordability. Housing, utilities, taxes and transportation costs are all moderately lower in Plano.
Frisco may appeal more to those who prioritize newer homes and community amenities, and don’t mind paying a bit extra. Plano is the more budget-friendly option that still offers excellent schools, safety and recreation.
Carefully weigh cost of living factors like monthly budgets for Frisco residents and Frisco’s overall cost of living when deciding which city is right for you.