Atascocita, TX vs. Katy, TX: Cost of Living Comparison (2025)
Which Houston suburb gives you more for your money – Atascocita or Katy? This article provides a detailed cost of living comparison between Atascocita and Katy, perfect for families relocating to the Houston area, professionals choosing between job offers, or anyone comparing the real-life monthly costs of these two popular suburbs in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Atascocita and Katy compare for common housing options:
| Housing Type | Atascocita | Katy |
|---|---|---|
| Median Home Price | $325,000 | $375,000 |
| Mortgage Payment (20% down) | $1,950/mo | $2,250/mo |
| 2BR Apartment Rent | $1,400/mo | $1,600/mo |
🏆 Winner: Atascocita. Housing costs about 15-20% less in Atascocita compared to Katy, whether renting or buying.
2. Utilities and Energy Costs
Utility bills are fairly similar between Atascocita and Katy. Expect to pay around $200-250/month for electricity, water, gas, and trash service for a typical home. Both cities experience hot summers, so air conditioning usage peaks from June through September. Check out our guide on how much it costs to live in Atascocita each month for a full utilities breakdown.
🏆 Winner: Tie. Utility costs are comparable in both suburbs.
3. Groceries and Daily Expenses
Atascocita and Katy have similar costs for groceries, dining out, and everyday goods and services. Budget around $400-500/month per adult for food and incidentals. Restaurant prices are reasonable, with fast casual meals around $12-15 and nicer dinners $25-35/person.
🏆 Winner: Tie. No major differences in food and daily living costs.
4. Taxes and Fees
Texas has no state income tax, so your take-home pay goes further. However, property taxes are relatively high to make up for it. Atascocita homeowners pay an average property tax rate of 2.54%, while Katy’s average rate is 2.78%. City service fees and HOA dues are similar, typically $50-150/month.
🏆 Winner: Atascocita. The lower property tax rate gives Atascocita a slight edge.
5. Cost Summary
| Category | Atascocita | Katy |
|---|---|---|
| Housing (Mortgage) | $1,950 | $2,250 |
| Utilities | $225 | $225 |
| Groceries & Dining | $450 | $450 |
| Transportation | $200 | $250 |
| Taxes & Fees | $400 | $450 |
| Misc Expenses | $300 | $300 |
| Estimated Monthly Total | $3,525 | $3,925 |
Note: Figures above are estimates based on a gross monthly income of $6,000 (pre-tax). Your actual budget may vary. See our Atascocita cost of living overview for more details.
6. Lifestyle Fit
Atascocita offers more affordable housing and a slightly lower cost of living overall. It’s an attractive option for families and professionals who prioritize space and value. Katy has higher housing costs but offers top-rated schools, upscale amenities, and an easy commute to major employment hubs. Katy averages 5°F warmer than Atascocita in the peak of summer.
7. Frequently Asked Questions
- Is Atascocita more affordable than Katy? Yes, Atascocita has a lower overall cost of living, primarily due to cheaper housing.
- Which city has lower rent? Atascocita rent prices are about 10-15% lower than Katy.
- Where is it cheaper to buy a home? Atascocita home prices and property taxes are more affordable than Katy.
8. Conclusion
While both Atascocita and Katy provide a high quality of life, Atascocita comes out ahead in this cost of living comparison. Atascocita is the more budget-friendly choice, especially for housing, making it attractive for families and professionals looking to get more for their money in the Houston area. However, those prioritizing schools, amenities, and commute convenience may find the extra cost of Katy worthwhile.
Considering other Houston suburbs? Check out our cost of living comparisons for Spring vs. The Woodlands and Sugar Land vs. Pearland for more insights.