Georgetown, TX vs. Round Rock, TX: Cost of Living Comparison (2025)
Considering relocating to the Austin area and trying to decide between Georgetown and Round Rock? This cost of living comparison will help you determine which city better fits your budget and lifestyle in 2025. We’ll break down key expenses like housing, utilities, groceries, and taxes to give you a realistic picture of life in each city.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical housing expenses compare between Georgetown and Round Rock:
| Housing Type | Georgetown | Round Rock |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,600 |
| Median 3BR Home Price | $450,000 | $500,000 |
🏆 Winner: Georgetown. Housing costs tend to be 5-10% lower in Georgetown compared to Round Rock, both for renting and buying.
Utilities and Energy Costs
Utility bills are another important monthly expense. In Georgetown, expect to pay around $150-200 per month for electricity, water, and gas for a 2BR apartment. Costs may be slightly higher in the summer due to air conditioning.
Round Rock utility costs are fairly similar, averaging $160-220 monthly. Both cities offer energy-saving programs and off-peak discounts to help manage bills.
🏆 Winner: Tie. Utility costs are comparable between the two cities, with Georgetown having a slight edge.
Groceries and Daily Expenses
For groceries and everyday items, costs are quite similar between Georgetown and Round Rock. Expect to spend around $400-500 per month for a couple in either city. Eating out is also comparable, with a nice dinner for two averaging $50-70.
One notable difference: Round Rock has slightly more upscale grocery options, which can mean paying a premium for specialty items. But overall, costs balance out.
🏆 Winner: Tie. No significant cost of living difference for groceries and daily expenses.
Taxes and Fees
Both Georgetown and Round Rock benefit from Texas’ lack of state income tax. However, property taxes and city fees do vary:
- Georgetown property tax rate: 2.2%
- Round Rock property tax rate: 2.4%
- Georgetown HOA fees often include extras like neighborhood pools and walking trails
- Round Rock has slightly higher city service fees (trash, recycling, etc.)
🏆 Winner: Georgetown. Lower property taxes can add up to decent annual savings for homeowners.
Cost Summary
| Expense Category | Georgetown | Round Rock |
|---|---|---|
| Housing (3BR Home) | $2,500 | $2,750 |
| Utilities | $180 | $200 |
| Groceries | $500 | $500 |
| Transportation | $200 | $180 |
| Taxes and Fees | $600 | $650 |
| Miscellaneous | $400 | $400 |
| Estimated Monthly Total | $4,380 | $4,680 |
Note: Figures above are estimates based on a gross monthly income (pre-tax) and represent typical costs for a family of 3-4. Your actual expenses may vary.
Lifestyle Fit
While costs are important, your lifestyle priorities also matter when choosing between Georgetown and Round Rock. Some key differences:
- Georgetown has a quainter, small-town feel with a charming historic downtown. It may appeal more to those seeking a quiet, family-friendly community.
- Round Rock is larger and more commercialized, with more dining, shopping, and entertainment options. Its location right off I-35 means easier access to Austin.
- Outdoor enthusiasts may prefer Georgetown’s parks, trails, and access to Lake Georgetown.
- Round Rock is known for its excellent schools and booming job market, especially in tech.
Frequently Asked Questions
Is Georgetown more affordable than Round Rock?
Yes, Georgetown comes out slightly ahead on housing and taxes, making it a bit more budget-friendly overall. However, the difference is minor, and Round Rock offers some advantages that can offset costs for certain lifestyles.
Which city has lower rent?
Georgetown rental prices tend to be 5-10% lower on average compared to similar properties in Round Rock.
Where is it cheaper to buy a home?
Georgetown has a lower median home price and property tax rate, making it more affordable for buyers. A family moving from Round Rock to Georgetown might save $300+ per month on housing costs.
The Bottom Line
When it comes to cost of living, Georgetown has a slight edge over Round Rock, particularly for housing expenses. However, the difference is not drastic, and both cities offer a relatively affordable lifestyle compared to Austin proper.
Ultimately, your choice between Georgetown and Round Rock should consider your lifestyle priorities, commute needs, schools, and job prospects in addition to the budget. Exploring some monthly budget examples for Georgetown residents and reviewing the full cost of living in Georgetown can help you make a confident, informed decision.