Cost Of Living in La Joya, TX

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	La Joya	Texas	National
Cost of living	80	92	100
Goods & Services	88	96	100
Groceries	91	96	100
Health care	76	94	100
Housing	54	83	100
Transportation	91	92	100
Utilities	106	104	100

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Cost Of Living Quick Facts

The cost of living in La Joya is 14% lower than the Texas average
The cost of living in La Joya is 20% lower than the national average
La Joya housing is 46% lower than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$45,785	$3,815	$1,068	$1,374
Renters	$15,155	$1,263	$354	$455

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in La Joya, TX, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for La Joya homeowners, is $45,785. This would allow for a maximum of $1,068 per month to be spent on housing costs. For renters, the median monthly income is $15,155 which would result in a maximum of $354 to be spent on rental costs.

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Goods & Services

Item	La Joya	National avg.	Difference
Haircut	$17.78	$24.26	26.7%
Beauty Salon	$30.94	$45.56	32.1%
Toothpaste	$3.40	$3.70	8.2%
Shampoo	$1.05	$1.28	18.0%
Movie	$11.98	$12.13	1.3%
Bowling	$20.00	$18.00	11.1%

Groceries

Item	La Joya	National avg.	Difference
Ground Beef	$5.77	$5.84	1.1%
Fried Chicken	$1.41	$1.57	10.1%
Milk	$4.51	$4.67	3.5%
Potatoes	$4.84	$4.93	2.0%
Pizza	$11.29	$12.09	6.6%
Beer	$10.29	$10.41	1.2%

Health Care

Item	La Joya	National avg.	Difference
Optometrist	$115.00	$125.68	8.5%
Doctor	$119.56	$135.78	11.9%
Dentist	$113.53	$113.29	0.2%
Ibuprofen	$10.25	$10.65	3.8%
Lipitor	$465.59	$468.60	0.6%

Housing

Item	La Joya	National avg.	Difference
Home Price	$82,400.00	$184,700.00	55.4%
Avg. Mortgage Payment	$1,864.04	$2,346.69	20.6%
Apartment Rent	$722.00	$949.00	23.9%

Transportation

Item	La Joya	National avg.	Difference
Gasoline	$3.16	$3.46	8.7%
Tire Balancing	$54.06	$59.92	9.8%

Utilities

Item	La Joya	National avg.	Difference
All Electricity	$221.71	$193.99	14.3%
Phone	$208.71	$192.25	8.6%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
La Paloma Ranchettes, TX	190	91	9.3%
Gutierrez, TX	49	91	9.3%
El Quiote, TX	208	91	9.3%
Buena Vista, TX	125	91	9.3%
Nina, TX	478	91	9.3%
La Joya, TX	4,374	80	20.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Hampden, ME	4,373	107	7.2%
Barnwell, SC	4,373	82	18.3%
Okauchee Lake, WI	4,373	126	26.3%
South Hill, VA	4,375	93	6.8%
North Terre Haute, IN	4,371	89	11.2%
La Joya, TX	4,374	80	20.3%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in La Joya, TX