Katy, TX vs. Irving, TX: Cost of Living Comparison (2025)
Considering a move to the Lone Star State? This article provides a detailed cost of living comparison between Katy and Irving, Texas. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life costs of calling Katy or Irving home in 2025. On average, living expenses are 8% lower in Katy compared to Irving.
1. Housing Costs
Housing is often the biggest line item in any monthly budget. Here’s how typical housing costs compare between Katy and Irving:
| Housing Type | Katy | Irving |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,650 |
| Median 3BR Home Price | $325,000 | $360,000 |
🏆 Winner: Katy. Housing costs an average of 12% less in Katy compared to Irving.
2. Utilities and Energy Costs
Utility bills are another major expense. In Katy, expect to pay around $180 per month for electricity, water, and garbage for a 2BR apartment. Costs are about 5% higher in Irving, averaging $190 monthly.
Both cities experience hot Texas summers, so budget more for A/C May through September. Some electricity providers offer free nights and weekend plans to help manage costs.
🏆 Winner: Katy edges out Irving on utility costs.
3. Groceries and Daily Expenses
Overall, groceries and everyday items cost about the same in Katy and Irving. A gallon of milk runs $3.50 in both cities, while a meal at an inexpensive restaurant averages $14.
However, Katy does have slightly lower prices on a few staples like bread, eggs and toiletries. Over the course of a month, Katy residents save an average of $25 compared to Irving.
🏆 Winner: Katy, but just barely. Most day-to-day expenses are similar.
4. Taxes and Fees
Texas is known for its low taxes, but rates still vary by city. In Katy, the average effective property tax rate is 2.54%, while Irving sits at 2.72%.
For a $350,000 home, that’s a difference of $630 per year. Both cities have HOA fees that often include amenities like pools, gyms and landscaping.
🏆 Winner: Katy. Lower property taxes can add up to substantial savings over time.
5. Cost Summary Table
| Category | Katy | Irving |
|---|---|---|
| Housing | $1,450 | $1,650 |
| Utilities | $180 | $190 |
| Groceries | $300 | $325 |
| Transportation | $60 | $65 |
| Taxes | 2.54% | 2.72% |
| Misc | $250 | $275 |
| Estimated Monthly Total | $2,240 | $2,430 |
6. Lifestyle Fit
Katy offers a quieter suburban feel with more space for the money. Homes are a bit newer on average, with larger lots. Most errands require a car.
Irving has a more urban vibe and walkable pockets. Commutes are shorter, but you’ll trade square footage. Irving summers are about 2°F hotter than Katy on average.
7. FAQ
- Is Katy more affordable than Irving? Yes, the cost of living is about 8% lower in Katy across major expense categories like housing, food and utilities.
- Which city has lower rent? Katy rents are around 12% cheaper than comparable apartments in Irving.
- Where is it cheaper to buy a home? The median home price in Katy is roughly $35,000 less than in Irving as of 2025.
8. Conclusion
So, is Katy or Irving the better bang for your buck? It depends on your lifestyle. Katy offers lower housing costs, a tight-knit community feel and highly-rated schools. It’s great for young families or those who prefer a slower pace.
Irving has a shorter average commute and more big-city amenities. It’s a good fit for young professionals who value location over space. Of course, the best way to estimate your personal cost of living is to create a monthly budget example for Katy or Irving.
Whichever city you choose, don’t forget to review this full cost of living guide for Katy to help with your research and planning. Happy moving!