Cost of Living in North Texas & Denton County: Every City Ranked
North Texas & Denton County · Cost of Living · 2026

Cost of Living in North Texas & Denton County: Every City Ranked

Cities ranked by what it actually costs to live there — home prices, rent, and the income a household needs to make it work.

If you are choosing between cities in North Texas and Denton County, you are not really choosing between similar suburbs. You are choosing between fundamentally different kinds of places — a working city with a deep industrial history and genuinely accessible housing, a college-anchored city with highway connections in three directions, lakefront master-planned communities where new construction has set the tone for a decade, and quiet small towns along rural farm roads where land is the draw and the commute is the trade-off. The corridor stretches from the Red River towns of Grayson County in the north to the DFW-adjacent suburbs in the south, and the gap between what housing costs at either end is not subtle.

What drives that spread is worth understanding before you shop. The cities that sit closest to established job centers, top-rated school districts, and Lewisville Lake tend to carry prices that reflect exactly that demand. The cities farther north — into Grayson County or west toward Wichita County — follow a working-town economy where wages and local demand set the ceiling, not proximity to a tech corridor. In between, smaller Denton County towns are absorbing spillover from buyers priced out of the southern suburbs, which is why several places that were rural just a few years ago now carry prices that surprise newcomers. The sections below cover each city's real cost picture, what drives it, and who it genuinely suits.

Top 14 Cities — Jump to Any City
  1. Wichita Falls — #1 Most Affordable
  2. Denison — #2 Red River Lake Town
  3. Sherman — #3 Grayson County Seat
  4. Pilot Point — #4 Rural Equestrian Town
  5. Aubrey — #5 Fast-Growing Small Town
  6. Denton — #6 University City Hub
  7. Van Alstyne — #7 Historic Agricultural Town
  8. Justin — #8 Western County New Build
  9. Little Elm — #9 Lakefront Master-Planned City
  10. Lewisville — #10 Established Denton Suburb
  11. Corinth — #11 Quiet Lakeside Suburb
  12. The Colony — #12 Lake & Tollway Community
  13. Flower Mound — #13 Managed-Growth Prestige Suburb
  14. Argyle — #14 Low-Density Country Suburb

How This Guide Was Researched

All prices reflect 2026 market data sourced from Zillow and cross-referenced with our individual city guides. County tax rates are verified effective rates.

Home Prices2026 typical home price for each city, from the Zillow Home Value Index.
Monthly PITIPrincipal, interest, taxes, and insurance. Assumes 20% down, current market rate, county-specific effective tax rate, and 0.65% annual insurance.
Income to BuyGross annual income needed to qualify for the typical home here.
Income to RentAnnual gross income to comfortably afford market rent using a 30% of gross income standard.

Top 14 Cities: Cost of Living Snapshot

Ranked by overall affordability. Click any city to jump to the full breakdown.

#CityHome PriceMonthly PITIIncome to BuyEst. Rent
1Wichita Falls
Wichita County
$176,679$1,231/mo$57,027/yr$980/mo
2Denison
Grayson County
$225,218$1,476/mo$67,831/yr$1,250/mo
3Sherman
Grayson County
$255,418$1,673/mo$75,216/yr$1,250/mo
4Pilot Point
Denton County
$323,567$2,244/mo$93,750/yr$1,498/mo
5Aubrey
Denton County
$346,440$2,403/mo$105,775/yr$1,900/mo
6Denton
Denton County
$350,224$2,429/mo$105,949/yr$1,550/mo
7Van Alstyne
Grayson County
$430,337$2,902/mo$109,633/yr$1,800/mo
8Justin
Denton County
$370,554$2,591/mo$112,884/yr$1,750/mo
9Little Elm
Denton County
$400,423$2,777/mo$121,063/yr$2,046/mo
10Lewisville
Denton County
$392,721$2,724/mo$121,099/yr$1,572/mo
11Corinth
Denton County
$412,999$2,819/mo$121,591/yr$1,981/mo
12The Colony
Denton County
$404,746$2,851/mo$123,744/yr$2,050/mo
13Flower Mound
Denton County
$610,100$4,170/mo$175,307/yr$2,193/mo
14Argyle
Denton County
$603,761$4,187/mo$177,995/yr$2,450/mo
Wichita Falls, Texas

#1 Most Affordable · Wichita County

Cost of Living in Wichita Falls, Texas (2026)

Best for buyers who want a real city at a genuinely accessible price

Median Price
$176,679
2026 market price
Monthly PITI
$1,231
20% down · county rate · taxes+ins
Income to Buy
$57,027/yr
Gross income to qualify
Income to Rent
$39,200/yr
Market rent standard
Est. Rent
$980/mo
2026 market average
County
Wichita
Property tax jurisdiction

Wichita Falls sits in Wichita County, well north and west of the Denton County metro sprawl, and it operates on an entirely different economic logic. A typical home price of $176,679 reflects a city where wages, not speculative demand, set the housing market. Sheppard Air Force Base anchors the local economy alongside a regional healthcare and education sector, and I-44 and US-287 connect the city outward without the congestion that defines commuting south. For a buyer who wants genuine affordability and a real city's worth of services, this is the most grounded option in the region.

Wichita Falls suits buyers who want a full-service city — retail, healthcare, established neighborhoods — without paying a premium for proximity to the DFW job corridor. It is a meaningfully different life than anything in Denton County: slower-paced, more self-contained, and far more accessible to a first-time or budget-conscious buyer. If your work is local or remote, the case for it is hard to argue with.

Denison, Texas

#2 Red River Lake Town · Grayson County

Cost of Living in Denison, Texas (2026)

Best for buyers drawn to lake country and small-city character

Median Price
$225,218
2026 market price
Monthly PITI
$1,476
20% down · county rate · taxes+ins
Income to Buy
$67,831/yr
Gross income to qualify
Income to Rent
$50,000/yr
Market rent standard
Est. Rent
$1,250/mo
2026 market average
County
Grayson
Property tax jurisdiction

Denison sits on the Red River at the northern edge of Grayson County, and its character is shaped by that position — close enough to Lake Texoma to draw outdoor-minded buyers, far enough from DFW that prices haven't inflated under metro pressure. A $225,218 typical home price puts it in reach for buyers who need a real house on a real lot without a six-figure income. US-75 gives the city a direct line south toward Sherman and eventually the northern DFW suburbs, but Denison itself runs on a local economy anchored by manufacturing, healthcare, and a historic downtown that has been steadily gaining ground.

Denison is a genuine fit for buyers who want small-city character, lake access, and a price point that leaves room in the budget. It is a noticeably more rural, slower-paced place than anything in the southern half of this list. Buyers who work remotely or have local employment will find the most here; those who need daily DFW access should weigh the drive honestly before committing.

Sherman, Texas

#3 Grayson County Seat · Grayson County

Cost of Living in Sherman, Texas (2026)

Best for buyers who want a growing county seat with economic momentum

Median Price
$255,418
2026 market price
Monthly PITI
$1,673
20% down · county rate · taxes+ins
Income to Buy
$75,216/yr
Gross income to qualify
Income to Rent
$50,000/yr
Market rent standard
Est. Rent
$1,250/mo
2026 market average
County
Grayson
Property tax jurisdiction

Sherman is the Grayson County seat and the most service-complete city in the northern half of this region, carrying a $255,418 typical home price that reflects its role as a regional hub. The arrival of Texas Instruments' semiconductor campus — one of the largest economic development wins in North Texas in years — has begun pulling national attention toward a city that long operated well under the radar. US-75 and US-82 connect Sherman efficiently in multiple directions, and the city's existing base of healthcare, retail, and higher education means buyers get genuine urban services at a fraction of the Denton County price.

Sherman suits buyers who want a county-seat city with real economic momentum and room left in the housing budget. The semiconductor investment brings long-term employment upside, which matters for buyers thinking about resale. It is a more traditional Texas city than the master-planned suburbs further south, and buyers who prefer that character will find Sherman the most complete option in Grayson County.

Pilot Point, Texas

#4 Rural Equestrian Town · Denton County

Cost of Living in Pilot Point, Texas (2026)

Best for buyers who want acreage and a true rural pace

Median Price
$323,567
2026 market price
Monthly PITI
$2,244
20% down · county rate · taxes+ins
Income to Buy
$93,750/yr
Gross income to qualify
Income to Rent
$59,920/yr
Market rent standard
Est. Rent
$1,498/mo
2026 market average
County
Denton
Property tax jurisdiction

Pilot Point is a small Denton County town where the rural DNA is still clearly intact — equestrian properties, larger lots, and a pace that feels genuinely removed from the suburban growth pressing in from the south and east. A $323,567 typical home price reflects both its Denton County address and the land-value premium that comes with acreage-friendly zoning. US-377 is the primary connection to Denton and points beyond, and most errands require a drive. Buyers come here for space and quiet, not walkability or services within reach.

Pilot Point suits buyers who prioritize land, privacy, and a small-town feel over urban convenience. It is a meaningful step up in lot size and rural character compared with the more developed Denton County communities, and that trade-off is the whole point for the right buyer. If daily conveniences matter as much as space, the surrounding larger cities will serve you better.

Aubrey, Texas

#5 Fast-Growing Small Town · Denton County

Cost of Living in Aubrey, Texas (2026)

Best for buyers trading proximity for a newer home and more space

Median Price
$346,440
2026 market price
Monthly PITI
$2,403
20% down · county rate · taxes+ins
Income to Buy
$105,775/yr
Gross income to qualify
Income to Rent
$76,000/yr
Market rent standard
Est. Rent
$1,900/mo
2026 market average
County
Denton
Property tax jurisdiction

Aubrey has grown quickly as buyers pushed north out of the busier Denton County suburbs, and a $346,440 typical home price shows how effectively that demand has repriced what was recently a quiet small town. New construction has been the dominant housing story here, with master-planned communities filling in along US-380 and US-377. The town's own retail and service base is still catching up to the population, so most day-to-day needs mean a drive toward Denton or south toward the tollway. Buyers are trading proximity for a newer house at a price that feels increasingly scarce in the core suburbs.

Aubrey is a reasonable fit for buyers who want a newer home and can absorb a longer commute. The growth trajectory has been steep, which carries both upside for future resale and the short-term friction of infrastructure lagging behind rooftops. It suits families who plan to stay put and work remotely or commute toward Denton rather than the southern DFW core.

Denton, Texas

#6 University City Hub · Denton County

Cost of Living in Denton, Texas (2026)

Best for buyers who want urban life, universities, and strong connectivity

Median Price
$350,224
2026 market price
Monthly PITI
$2,429
20% down · county rate · taxes+ins
Income to Buy
$105,949/yr
Gross income to qualify
Income to Rent
$62,000/yr
Market rent standard
Est. Rent
$1,550/mo
2026 market average
County
Denton
Property tax jurisdiction

Denton is the largest city in its county and the 19th-largest incorporated city in Texas, and its cost profile reflects a place that offers genuine urban substance — two universities, a live music tradition, a walkable downtown square, and I-35 access splitting toward both Dallas and Fort Worth. A $350,224 typical home price sits at a point where buyers get city-scale amenities without paying the full premium of the more polished suburbs to the south. The 55+ community Robson Ranch gives age-qualified buyers a well-established option within city limits. Loop 288 and US-380 round out internal connectivity alongside the interstates.

Denton suits a wider range of buyers than almost any other city in this group — students and young renters, families in established neighborhoods, retirees at Robson Ranch, and remote workers who want a real downtown within walking distance. The trade-off is that the I-35 corridor through town carries real congestion during peak hours, and the city's growth has been rapid enough that some infrastructure is catching up. Still, for buyers who want genuine city life at a price point this region's southern suburbs can no longer offer, Denton is hard to beat.

Van Alstyne, Texas

#7 Historic Agricultural Town · Grayson County

Cost of Living in Van Alstyne, Texas (2026)

Best for buyers who want small-town quiet with a highway commute option

Median Price
$430,337
2026 market price
Monthly PITI
$2,902
20% down · county rate · taxes+ins
Income to Buy
$109,633/yr
Gross income to qualify
Income to Rent
$72,000/yr
Market rent standard
Est. Rent
$1,800/mo
2026 market average
County
Grayson
Property tax jurisdiction

Van Alstyne has become one of the more talked-about small towns in Grayson County, and a $430,337 typical home price reflects what happens when a historically modest agricultural town finds itself in the path of northward DFW growth. US-75 gives residents a direct commute corridor south, and the town's small-scale, historic character has attracted buyers specifically looking to escape the density of the larger suburbs. Van Alstyne remains a small place with limited local retail, and a serious shopping run still means leaving town.

Van Alstyne suits buyers drawn to a genuinely small-town feel with a credible highway commute connection. Its character is more rural and quiet than anything in southern Denton County, and the price reflects strong demand from buyers who see that combination as worth paying for. Buyers who need full services close by will find the daily friction adds up quickly.

Justin, Texas

#8 Western County New Build · Denton County

Cost of Living in Justin, Texas (2026)

Best for buyers who want western county space and newer construction

Median Price
$370,554
2026 market price
Monthly PITI
$2,591
20% down · county rate · taxes+ins
Income to Buy
$112,884/yr
Gross income to qualify
Income to Rent
$70,000/yr
Market rent standard
Est. Rent
$1,750/mo
2026 market average
County
Denton
Property tax jurisdiction

Justin sits in western Denton County on FM-156 and FM-407, well away from the dense eastern suburbs, and its character is shaped by that position — more rural, more spread out, and quieter than cities of comparable price elsewhere on this list. A $370,554 typical home price reflects growth in new construction on what were recently open fields, and Ladera at Timberbrook gives age-qualified buyers a 55+ option in a community that otherwise skews toward younger families. Services are limited locally, and most residents commute or make regular trips toward Denton or Fort Worth for everyday needs.

Justin suits buyers who want newer construction, a western Denton County address, and more space between neighbors than the busier eastern suburbs allow. The commute to either Fort Worth or Denton is workable but not short, which is the honest trade-off for the breathing room. Buyers with local or remote employment will get the most out of what Justin offers.

Little Elm, Texas

#9 Lakefront Master-Planned City · Denton County

Cost of Living in Little Elm, Texas (2026)

Best for families and active adults who want lakefront community living

Median Price
$400,423
2026 market price
Monthly PITI
$2,777
20% down · county rate · taxes+ins
Income to Buy
$121,063/yr
Gross income to qualify
Income to Rent
$81,840/yr
Market rent standard
Est. Rent
$2,046/mo
2026 market average
County
Denton
Property tax jurisdiction

Little Elm is one of the more recognizable growth stories in Denton County, built around Lake Lewisville's shoreline and filled in with master-planned communities that have transformed a small lakefront town into a mid-size city. A $400,423 typical home price reflects sustained demand from families who want lake access, newer homes, and proximity to the Frisco and Plano job corridor. Del Webb at Union Park and Ladera Little Elm give age-qualified buyers two established 55+ options. US-380 and FM-423 carry most of the traffic, and that traffic is real — the road infrastructure has been under pressure from growth.

Little Elm suits families and active adults who want a lakefront lifestyle and newer housing stock in a community-oriented setting. The 55+ options here are among the most developed in the region for that buyer type. Buyers should go in clear-eyed about the growth-related congestion and the fact that the area still has active construction in multiple directions.

Lewisville, Texas

#10 Established Denton Suburb · Denton County

Cost of Living in Lewisville, Texas (2026)

Best for buyers who want a fully built-out suburb with every service close

Median Price
$392,721
2026 market price
Monthly PITI
$2,724
20% down · county rate · taxes+ins
Income to Buy
$121,099/yr
Gross income to qualify
Income to Rent
$62,880/yr
Market rent standard
Est. Rent
$1,572/mo
2026 market average
County
Denton
Property tax jurisdiction

Lewisville is the 27th-largest incorporated city in Texas, and its cost picture reflects an established suburb with a long track record and genuine access advantages. A $392,721 typical home price is notable for a city this size and this connected — I-35E and SH-121 give residents straightforward routes toward both Dallas and DFW Airport, and the city's retail and dining infrastructure is among the most complete in the county. The housing stock is more varied than the newer master-planned suburbs, mixing older subdivisions with mid-century homes and some genuine teardown-and-rebuild activity closer to the lake.

Lewisville suits buyers who want a fully built-out suburb with multiple commute options and no need to drive far for everyday errands. It is a more mature, less construction-heavy environment than Aubrey or Little Elm, which suits buyers who prefer established infrastructure. The price is consistent with the access and services it delivers.

Corinth, Texas

#11 Quiet Lakeside Suburb · Denton County

Cost of Living in Corinth, Texas (2026)

Best for families who want an established, quiet suburb on the interstate

Median Price
$412,999
2026 market price
Monthly PITI
$2,819
20% down · county rate · taxes+ins
Income to Buy
$121,591/yr
Gross income to qualify
Income to Rent
$79,240/yr
Market rent standard
Est. Rent
$1,981/mo
2026 market average
County
Denton
Property tax jurisdiction

Corinth is a compact Denton County city tucked between Denton and Lake Dallas along I-35E, and its character is shaped by that geography — suburban, well-connected, and oriented toward families who want good school access and a manageable commute. A $412,999 typical home price reflects a city where demand has been steady and inventory has stayed tight. FM-2181 handles most local movement, while I-35E gives residents straightforward access north to Denton or south toward Dallas. The city is largely built out, which means fewer cranes and more established neighborhoods than many Denton County peers.

Corinth suits families who want a quiet, established suburb with direct highway access and a settled community feel. There is less land left for new development here than in the fast-growing eastern and western edges of the county, which tends to keep the neighborhood fabric more stable. Buyers who want space and acreage will need to look elsewhere.

The Colony, Texas

#12 Lake & Tollway Community · Denton County

Cost of Living in The Colony, Texas (2026)

Best for buyers who want lake access and the Frisco corridor nearby

Median Price
$404,746
2026 market price
Monthly PITI
$2,851
20% down · county rate · taxes+ins
Income to Buy
$123,744/yr
Gross income to qualify
Income to Rent
$82,000/yr
Market rent standard
Est. Rent
$2,050/mo
2026 market average
County
Denton
Property tax jurisdiction

The Colony sits at Lewisville Lake's southern shore and along SH-121, and its cost profile reflects a city that has made a deliberate bet on entertainment and amenity-driven growth. A $404,746 typical home price puts it in the same range as several nearby communities, but the city's investment in waterfront infrastructure and its proximity to the Frisco corridor gives it a distinct draw. FM-423 connects south toward Frisco and north through Little Elm, making it a natural crossroads for buyers who work along that corridor.

The Colony suits buyers who want lake-adjacent living, an active community atmosphere, and strong highway access without moving into the higher price bands of the established prestige suburbs. It competes most directly with Little Elm for the same buyer profile, though The Colony's lakefront focus and slightly more urban feel give it a different texture. Families and younger professionals tend to find the mix most appealing.

Flower Mound, Texas

#13 Managed-Growth Prestige Suburb · Denton County

Cost of Living in Flower Mound, Texas (2026)

Best for buyers who want Denton County's most polished suburban environment

Median Price
$610,100
2026 market price
Monthly PITI
$4,170
20% down · county rate · taxes+ins
Income to Buy
$175,307/yr
Gross income to qualify
Income to Rent
$87,720/yr
Market rent standard
Est. Rent
$2,193/mo
2026 market average
County
Denton
Property tax jurisdiction

Flower Mound has built one of the most consistent reputations in Denton County over many years, and a $610,100 typical home price reflects what that reputation costs. The city is defined by its managed growth philosophy, significant tree canopy, and proximity to both DFW Airport and the lake — a combination that has sustained demand from corporate relocations and established families. SH-121 and FM-2499 give residents DFW Airport access that few other Denton County cities can match as directly. The Legends and Orchard Flower give age-qualified buyers 55+ options within a community known for its parks and trail system.

Flower Mound suits buyers who want a top-tier suburban environment and can absorb the price that comes with it. The city's growth controls have kept density lower than comparable DFW suburbs, which is a deliberate feature, not an accident — and it is exactly what long-term residents value most. Buyers who need affordability should look elsewhere without hesitation; buyers who can make the numbers work tend to stay.

Argyle, Texas

#14 Low-Density Country Suburb · Denton County

Cost of Living in Argyle, Texas (2026)

Best for buyers who want prestige-suburb character with larger lots

Median Price
$603,761
2026 market price
Monthly PITI
$4,187
20% down · county rate · taxes+ins
Income to Buy
$177,995/yr
Gross income to qualify
Income to Rent
$98,000/yr
Market rent standard
Est. Rent
$2,450/mo
2026 market average
County
Denton
Property tax jurisdiction

Argyle is a small Denton County town that has become one of the more sought-after addresses in the region precisely because it has resisted the density that defines the busier suburbs. A $603,761 typical home price reflects both a location on I-35W with genuine Fort Worth connectivity and a community that has attracted affluent buyers who want larger lots and a quieter pace without giving up highway access. The town's school district has been a significant pull for families relocating from further south. US-377 and FM-407 serve the local road network.

Argyle suits buyers who want space, a small-town feel, and a price point that signals the suburb's established prestige. The town is a genuinely different environment than the denser master-planned communities to the east — larger lots, fewer apartment complexes, more rural character on the edges. Buyers who want walkable amenities or don't want to drive for every errand will find the trade-off harder to accept.

The cost gap across this region is wide enough to matter a great deal for your monthly budget — but the lower end of that range and the higher end are genuinely different kinds of places to live, not just cheaper or pricier versions of the same thing. Match the city to the life you actually want, not just the number that fits the spreadsheet.
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Frequently Asked Questions

Which cities in this region offer housing within reach for a first-time buyer?
Wichita Falls and Denison are where first-time buyers tend to find the most room to work with — both carry home prices well below anything in southern Denton County, and both offer full city services rather than a small-town commute situation. Sherman is worth a close look as well, particularly given its recent economic development activity, which has added employment options alongside a still-accessible price point. Buyers who need to stay within Denton County will generally find Aubrey and Justin worth considering, though both require a willingness to drive for everyday needs and accept active construction as a backdrop.
How does living in Grayson County compare with living in Denton County for cost of living?
Grayson County — which includes Denison, Sherman, and Van Alstyne — generally offers a meaningfully different cost structure than the bulk of Denton County, with the exception of Van Alstyne, which has been repriced by northward DFW growth pressure. Denison and Sherman operate on local economic fundamentals rather than metro demand, which keeps housing accessible but also means local job options look different than in Denton or Lewisville. The right county depends largely on where you work: Grayson County makes the most financial sense for buyers with local or remote employment, while Denton County's highway infrastructure better serves regular DFW commuters.
Are there established 55+ communities in this part of North Texas?
Denton is home to Robson Ranch, a well-established age-qualified community that gives retirees a range of amenities with a city's worth of services nearby. Little Elm has two 55+ communities — Del Webb at Union Park and Ladera Little Elm — which suits active adults who want a lakefront setting. Justin has Ladera at Timberbrook, and Flower Mound has The Legends and Orchard Flower for buyers who want a more polished suburban environment. Wichita Falls, Denison, Sherman, Pilot Point, Aubrey, Van Alstyne, Lewisville, Corinth, The Colony, and Argyle had no dedicated 55+ communities found in this research.
Which cities are realistically drivable to DFW Airport for frequent flyers?
Flower Mound and Lewisville are the most convenient options for regular DFW Airport access, with SH-121 giving Flower Mound residents a direct connection and I-35E putting Lewisville within a manageable drive. The Colony and Corinth are also reasonable depending on traffic timing. Cities at the northern end of this list — Denison, Sherman, and Wichita Falls — involve a substantially longer haul, which is a real quality-of-life factor for anyone who flies more than occasionally.
What is driving home prices higher in smaller towns like Van Alstyne and Aubrey?
Both Van Alstyne and Aubrey have been repriced by buyers moving north and west out of the denser, more expensive southern Denton County suburbs. Van Alstyne's location on US-75 gives it a credible commute corridor toward the Plano and Allen job centers, which has attracted buyers willing to trade density for small-town character at a price that was far lower just a few years ago. Aubrey has absorbed significant new construction along US-380, which has brought infrastructure and services but also pushed prices to a level that surprises buyers who remember the area as rural. In both cases, the price reflects DFW-area demand landing in towns that were not built for it.

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Todd Davidson

Todd Davidson

About the Author

Todd Davidson is the founder of The Move Genie, a premier digital resource offering in-depth city guides, neighborhood profiles, and localized market insights for communities nationwide. Drawing on an extensive background in home financing and real estate, he established the platform to streamline the relocation process, helping families make confident, data-driven decisions when comparing new areas.