Many people consider moving to Texas from NJ to lower their monthly expenses. Cost of living plays a major role in that decision. Taxes, housing, and daily costs differ a lot between states. For example, Texas has no state income tax, while New Jersey has one of the highest in the country. Housing is another major factor. A three-bedroom home in Houston often costs much less than a similar home in Newark. Groceries, healthcare, and transportation also vary. This post compares these categories side by side. You’ll see how the cost of living in Texas vs New Jersey affects homeowners, renters, and families. With this information, you can decide which state better fits your needs and financial goals.
Housing prices vary widely between the two states
Housing costs often play the biggest role in deciding where to live. People searching for the best movers NJ often do so when they realize how much they can save by relocating. In New Jersey, the median home price is around $450,000. In Texas, it’s closer to $330,000. That’s a difference of over $100,000, which can impact your mortgage and long-term savings. Renters also see a major gap. A two-bedroom apartment in Newark averages $1,900 per month. In Houston, a similar unit costs about $1,300. That’s $600 in monthly savings. Over one year, that adds up to $7,200.
Property taxes show another big difference. In New Jersey, the average property tax rate is about 2.2%. In Texas, it’s around 1.6%. Even though Texas doesn’t have a state income tax, its higher property taxes may affect your budget differently. However, homeownership rates in Texas remain higher, likely due to lower home prices overall. When comparing both states, the cost of housing and taxes can shift your total monthly and yearly spending significantly.
How utilities and household bills compare
Monthly utility bills often surprise people moving across state lines. Many people who hire movers in US notice changes in electricity, water, and internet bills after relocating. In Texas, the average monthly electricity bill is around $150. In New Jersey, it’s about $120. Water costs also vary. Texans usually pay about $40 per month, while New Jersey residents average closer to $60. Internet and cable packages differ, too. A basic internet plan in Texas may cost around $60 per month. In New Jersey, a similar plan could be $75. Bundle deals with cable may increase your total bill by another $50 to $100, depending on the provider.
Climate also affects heating and cooling needs. Summers in Texas are long and hot, which means higher air conditioning costs. In contrast, winters in New Jersey often require extended heating. Texans may spend over $200 per month on cooling in July. Meanwhile, heating in New Jersey during January can add $150 to the bill. These factors add up quickly. When comparing states, utility costs can significantly change your monthly household budget.
Dining out: Where your dollar goes further
Dining out is another area where costs can vary between states. In Texas, meals tend to be more affordable, especially in cities with a lower overall cost of living. For example, someone relocating with movers Glen Gardner NJ may be used to paying around $22 per person at a mid-range restaurant. In comparison, a similar meal in many Texas cities might cost closer to $15 to $18.
Eating out regularly adds up quickly for families. A meal for four in NJ could easily total $90 or more with drinks and tips. In Texas, the same family might spend around $60 to $70. These differences may seem small at first, but become noticeable over time. Choosing takeout, fast food, or casual dining can reduce expenses, though New Jersey’s overall food service prices remain higher. Even lunch specials and combo meals often cost less in Texas. Although food taxes are similar—just over 6%—base prices are generally lower. As a result, dining out in Texas can fit more comfortably into a monthly budget, especially for larger households.
Healthcare costs and insurance differences
Healthcare costs are a major part of your monthly budget, especially for families. In Texas, the average monthly health insurance premium for a 40-year-old is about $470. In New Jersey, the same person may pay closer to $530. These rates depend on the plan, but they show how location affects coverage costs. Out-of-pocket expenses also differ. Here are some typical examples:
- A basic doctor visit in Texas may cost around $110 without insurance.
- In New Jersey, a similar visit might be $140.
- Generic prescriptions usually cost $10 to $20 in both states, but name-brand options are often more expensive in New Jersey.
Access to care also varies. Texas has more rural areas, which can lead to longer wait times and fewer nearby providers. In contrast, New Jersey has more healthcare facilities per square mile. That often means better access to specialists and shorter travel times. However, healthcare services in New Jersey also tend to be more expensive overall. Whether you’re moving for work, family, or lifestyle, it’s important to factor in healthcare costs when comparing the two states.
Compare the cost of living in Texas vs New Jersey and choose the right state for you
Choosing where to live depends on more than just weather or scenery. Monthly expenses can vary widely between states. When you compare housing, food, healthcare, and transportation, the cost of living in Texas vs New Jersey shows clear differences. Texas often offers lower housing and grocery costs, while New Jersey may have higher taxes and medical expenses. However, New Jersey has better access to public transportation and healthcare facilities. Your lifestyle, income, and personal needs should guide your choice. A lower cost in one category might balance out a higher cost in another. Take time to review your budget and priorities. This will help you pick the state that best fits your goals, both now and long term.