Irving, TX vs. Katy, TX: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Irving vs Katy. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Irving vs Katy in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Irving and Katy stack up for common housing options:
| Housing Type | Irving | Katy |
|---|---|---|
| 2BR Apartment Rent | $1,550 | $1,700 |
| 3BR Home Mortgage | $2,100 | $2,400 |
🏆 Winner: Irving tends to have lower housing costs across the board compared to Katy.
2. Utilities and Energy Costs
Utility bills are another major monthly expense. In Irving, expect to pay around $180 per month for a typical apartment’s electricity, gas, water, and trash. Katy utility costs average closer to $210 monthly.
Both cities experience hot Texas summers, so air conditioning usage peaks from June through September. Heating costs are minimal in winter.
🏆 Winner: Irving has the edge for lower utility bills by about $30 per month.
3. Groceries and Daily Expenses
Weekly grocery costs are fairly comparable between Irving and Katy. Budget around $125 per person in both cities for basics like milk, eggs, produce, and pantry staples.
Restaurant prices are also similar. A meal for two at a mid-range Irving restaurant averages $50, vs. $55 in Katy. Fast casual spots run $10-12 per person in both cities.
🏆 Winner: It’s a tie – grocery and dining out costs are nearly identical in Irving and Katy.
4. Taxes and Fees
Texas has no state income tax, so your take-home pay will be higher than in many other states. However, property taxes and sales tax can add up:
- Irving property tax rate: 2.21%
- Katy property tax rate: 2.31%
- Sales tax: 8.25% in both cities
In Irving, HOA fees often include community amenities and landscaping. Katy neighborhoods may have additional MUD taxes. Factor in an extra $100-300 per month for these costs in both cities.
🏆 Winner: Irving wins for slightly lower property taxes, but it’s close. State and local taxes are similar in both cities.
5. Cost Summary Table
| Category | Irving | Katy |
|---|---|---|
| Housing (3BR mortgage) | $2,100 | $2,400 |
| Utilities | $180 | $210 |
| Groceries (2 people) | $550 | $550 |
| Transportation | $300 | $325 |
| Taxes & Fees | $200 | $250 |
| Misc Expenses | $400 | $400 |
| Estimated Monthly Total | $3,730 in Irving | $4,135 in Katy |
6. Lifestyle Fit
While Irving is more affordable overall, Katy offers perks like highly-rated schools, master planned communities, and more green space. Irving provides an easier commute to major employers in the DFW Metroplex.
Katy is about 5°F hotter on average than Irving in the peak of summer. Irving has slightly more public transportation and walkable areas.
Ultimately, both cities provide a great quality of life for a reasonable cost compared to other major metros. It comes down to your family’s specific needs and preferences.
7. FAQ
- Is Irving more affordable than Katy? Yes, the cost of living in Irving is about 10% lower on average, mainly due to cheaper housing.
- Which city has lower rent? Renting an apartment in Irving is typically $100-200 less per month compared to Katy.
- Where is it cheaper to buy a home? Irving home prices are roughly 10-15% lower than in Katy for a comparable house.
8. Conclusion
For most households, Irving will be the more budget-friendly option, with lower costs for housing, utilities, and taxes. A household moving from Katy to Irving might save $400/month on major expenses alone.
However, Katy delivers premium amenities, top schools, and a tight-knit community feel that appeals to many families. It’s a question of priorities.
Be sure to check out our other cost of living resources for Irving and sample household budgets to help with your decision. With some planning, you can find the perfect Dallas suburb to call home.