Allen, TX vs. Plano, TX: Cost of Living Comparison (2025)
Considering a move to the Dallas suburbs of Allen or Plano? Let’s compare the cost of living in these two popular Texas cities.
Imagine two families, the Allens and the Planos, each looking to rent a 3-bedroom home in their respective namesake cities. The Allens find a place for $2,400 per month, while the Planos secure a similar home for $2,700. After moving in, the Allens spend about $500 on groceries their first month, whereas the Planos rack up a $550 bill at the supermarket.
How do other living costs stack up in Allen vs. Plano? We’ll break it down category by category. Note that all figures are based on gross monthly income (pre-tax).
Housing Costs: Is Allen or Plano Cheaper?
Housing is likely your biggest expense. Here’s how typical rent and mortgage costs compare in Allen and Plano:
| Housing Type | Allen | Plano |
|---|---|---|
| 2BR Apartment | $1,600 | $1,800 |
| 3BR House | $2,400 | $2,700 |
🏆 Winner: Allen. Housing costs are about 10-15% lower in Allen compared to Plano.
Utilities and Energy Costs
Expect to pay around $200 per month for electricity, water, and gas in Allen. Utility costs are similar in Plano, averaging $210 monthly. Both cities see higher energy usage during the hot summer months.
🏆 Winner: Tie. Utility costs are nearly identical in Allen and Plano.
Groceries and Daily Expenses
Feeding a family of four costs about $800-$1000 per month in Allen. See a full breakdown of how much it costs to live in Allen each month. In Plano, expect 5-10% higher grocery bills due to slightly pricier supermarkets and restaurants.
🏆 Winner: Allen. You’ll save on daily living costs compared to Plano.
Taxes and Fees
Allen’s property tax rate is 2.14%, while Plano’s is 2.06%. However, Plano’s slightly higher home values mean actual tax bills are similar. Both cities charge a 1% local sales tax on top of the state rate.
🏆 Winner: Tie. Taxes are comparable between Allen and Plano, with no clear advantage for either city.
Allen vs. Plano Cost of Living Comparison
| Category | Allen | Plano |
|---|---|---|
| Housing | $1,600 – $2,400 | $1,800 – $2,700 |
| Utilities | $200 | $210 |
| Groceries | $800 – $1,000 | $840 – $1,100 |
| Transportation | $60 | $60 |
| Taxes | 2.14% property tax | 2.06% property tax |
| Misc | $400 | $450 |
| Estimated Monthly Total | $3,060 – $4,060 | $3,360 – $4,520 |
Lifestyle Considerations
While Allen is more affordable overall, Plano offers easier access to Dallas via the DART rail system. Plano is also 5°F cooler on average during the peak of summer. However, Allen tends to be quieter with slightly less traffic.
See a full overview of the cost of living in Allen to help decide which factors matter most to you.
Frequently Asked Questions
Is Allen more affordable than Plano?
Yes, Allen is generally 5-15% cheaper than Plano across major cost of living categories like housing, food, and daily expenses.
Which city has lower rent prices?
Rental costs are around 10% lower in Allen vs. Plano. Expect to pay $1,600 – $2,400 for an apartment or house in Allen compared to $1,800 – $2,700 in Plano.
Where is it cheaper to buy a home?
Allen has lower home prices on average than Plano. A typical 3BR house costs about $300,000 in Allen versus $350,000 in Plano as of 2025.
Conclusion
While both Allen and Plano are desirable Dallas suburbs, Allen comes out ahead in terms of affordability. Housing, groceries, and other daily costs are meaningfully lower, though utilities and taxes are largely the same.
For most families, couples, and individual renters, Allen offers a lower overall cost of living. However, Plano can still be a great fit for those prioritizing proximity to Dallas and public transit access. Ultimately, the right choice depends on your specific budget, lifestyle, and preferences.
Considering other cities in the area? Check out our cost of living comparisons for other popular Texas cities.