Flower Mound, TX vs. Plano, TX: Cost of Living Comparison (2025)
Deciding between Flower Mound and Plano, TX? This cost of living comparison breaks down housing, utilities, groceries and more to determine which Dallas suburb is more affordable in 2025. It’s perfect for families relocating to the area, professionals choosing between job offers, or anyone comparing the real cost of living in Flower Mound vs. Plano.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Flower Mound and Plano compare for common housing types:
| Housing Type | Flower Mound | Plano |
|---|---|---|
| 2BR Apartment Rent | $1,600 | $1,800 |
| 3BR Home Mortgage | $2,400 | $2,700 |
🏆 Winner: Flower Mound. Housing costs an estimated 10-15% less in Flower Mound compared to Plano.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $200 per month for electricity, water, gas, and trash in a 2BR apartment. Larger homes will see higher bills, especially in the summer when AC usage peaks.
🏆 Winner: Tie. Utility costs are comparable in Flower Mound and Plano.
3. Groceries and Daily Expenses
Grocery costs are similar in both cities, with Plano having slightly more upscale market options. Expect to budget around $400 per month for groceries for a single person, or $1000+ for a family. Dining out costs $12-15 per meal on average.
🏆 Winner: Flower Mound. Everyday expenses are 5-10% lower in Flower Mound vs. Plano.
4. Taxes and Fees
Plano has a slightly higher property tax rate of 1.81% vs. 1.73% in Flower Mound. HOA fees are common in both cities, typically ranging from $30-300 per month. Neither city has income tax.
🏆 Winner: Flower Mound. Lower property taxes give Flower Mound a slight edge.
5. Cost Summary
| Category | Flower Mound | Plano |
|---|---|---|
| Housing | $1,600 | $1,800 |
| Utilities | $200 | $200 |
| Groceries | $400 | $450 |
| Transportation | $100 | $80 |
| Taxes | 1.73% | 1.81% |
| Misc | $250 | $300 |
| Estimated Monthly Total | $2,550 | $2,830 |
6. Lifestyle Fit
Flower Mound offers a quieter suburban feel with larger homes and lots. Commutes are longer, but you get more space for the money. Plano is more walkable with an urban vibe and easy access to Dallas. It’s pricier, but more convenient.
7. FAQ
Q: Is Flower Mound more affordable than Plano?
A: Yes, the cost of living is about 10% lower in Flower Mound compared to Plano, mainly due to cheaper housing.
Q: Which city has lower rent?
A: Flower Mound has lower average rent, with a typical 2BR apartment costing $1,600/month vs. $1,800/month in Plano.
Q: Where is it cheaper to buy a home?
A: Flower Mound has lower home prices and slightly lower property taxes, making it more affordable for buyers. A typical mortgage payment on a 3BR house is $2,400/month vs. $2,700/month in Plano.
8. Conclusion
While both Flower Mound and Plano offer a high quality of life, Flower Mound is the more affordable place to live. Housing costs an average of 10-15% less, and everyday expenses are slightly lower too. Plano is pricier but offers an urban feel and shorter commutes.
Ultimately, the right choice depends on your budget and lifestyle. Suburban families craving space will get more bang for their buck in Flower Mound. Young professionals who prefer a walkable city vibe and easy access to Dallas may find Plano worth the premium.
For more insights, read our full guides on the monthly costs of living in Flower Mound and Flower Mound cost of living overview for 2025.