Converse, TX vs. Universal City, TX: Cost of Living Comparison (2025)
This article provides a cost of living comparison between Converse and Universal City, Texas. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of living in Converse vs Universal City in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is one of the biggest factors in the cost of living difference between Converse and Universal City. Here’s how typical rent and mortgage costs compare:
| Housing Type | Converse | Universal City |
|---|---|---|
| 2BR Apartment Rent | $1,250 | $1,400 |
| 3BR Home Mortgage | $1,600 | $1,850 |
🏆 Winner: Converse. Housing costs are about 10-15% lower in Converse compared to Universal City.
2. Utilities and Energy Costs
Utility and energy bills are fairly similar between the two cities, with Converse having a slight edge. Typical monthly utility costs:
- Converse: $180-$220
- Universal City: $200-$240
Both cities experience hot Texas summers, so expect higher A/C usage from June through September. Converse has more energy provider options which can mean lower rates for savvy shoppers.
🏆 Winner: Converse, but it’s close. Proactive deal hunting on utilities can save money in either city.
3. Groceries and Daily Expenses
Grocery costs are nearly identical in Converse and Universal City. Expect to spend around $400 per month for a typical family. Eating out is also comparable, with a nice dinner for two ranging from $40-60 in both cities.
One notable difference: Universal City has slightly higher costs for common household goods and toiletries, likely due to fewer bulk discount stores compared to Converse.
🏆 Winner: Converse, but only by a slim margin thanks to better access to wholesale clubs and discount chains.
4. Taxes and Fees
While neither city has sky-high taxes, there are a few key differences:
- Property tax rates are about 0.2% higher in Universal City (2.8% vs 2.6% in Converse)
- Universal City has more special tax districts and development fees that can add to homeowner costs
- Converse has lower water/sewer fees and offers senior discounts
🏆 Winner: Converse. Lower property taxes and city fees give it the advantage for most households.
5. Cost Summary Table
| Category | Converse | Universal City |
|---|---|---|
| Housing | $1,250 – $1,600 | $1,400 – $1,850 |
| Utilities | $180 – $220 | $200 – $240 |
| Groceries | $400 | $400 |
| Transportation | $60 | $80 |
| Taxes | 2.6% property tax | 2.8% property tax + fees |
| Misc | $200 | $250 |
| Estimated Monthly Total | $2,240 in Converse | $2,530 in Universal City |
6. Lifestyle Fit
While Converse is more affordable overall, Universal City does offer a few lifestyle perks that may be worth the extra cost for some households:
- Universal City is closer to major highways for easier commutes
- Universal City has a more walkable town center area
- Universal City is about 5°F cooler on average during the peak of summer
However, Converse has its own advantages:
- Converse offers more spacious lots and lower-density housing
- Converse is quieter and has less traffic noise from highways
- Converse sees about 10 more days of sunshine per year compared to Universal City
7. FAQ
Q: Is Converse more affordable than Universal City?
A: Yes, Converse has lower costs in most categories, especially housing. See our full cost of living breakdown for Converse.
Q: Which city has lower rent?
A: Converse has lower rent, with a typical 2BR apartment costing about $150 less per month than Universal City.
Q: Where is it cheaper to buy a home?
A: Converse has lower home prices and property taxes, making it more affordable for buyers. Check out average monthly homeowner costs in Converse.
8. Conclusion
While both Converse and Universal City offer a good quality of life, Converse comes out ahead in this cost of living comparison. Families looking to stretch their budget will find Converse very appealing, while those who prefer walkability and a quicker commute may lean toward Universal City despite the higher costs.
Ultimately, the right choice depends on your household priorities and lifestyle. Be sure to compare cost of living breakdowns for other Texas cities before making a move. If you do decide to relocate, consult our list of the best moving companies in 2025 to find affordable, reliable movers.