Safe Rate Local

Cost of Living in ZIP 78735

Is it better to rent or buy in ZIP 78735? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

← Back to ZIP 78735 Hub

Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$150,487
$2,092/mo

Median in area: $2,092

$968,406

Median in area: $968,406

$193,681

If you Rent

🔑
$2,237 /mo
Base Rent$2,092
Est. Utilities$145
% of Income17.8%
Pre-tax Residual$10,304

If you Buy

🏠
$6,106 /mo
P&I (6.533%)$4,914
Taxes & Ins$1,047
Est. Utilities$145
% of Income48.7%
Pre-tax Residual$6,435

Compare Nearby Areas

See how ZIP 78735 stacks up against neighboring areas.

ZIP78716
$2,875/mo
ZIP78763
$3,268/mo
ZIP78746
$2,781/mo
ZIP78703
$2,011/mo
ZIP78733
$1,978/mo
ZIP78730
$1,830/mo
ZIP78755
$1,879/mo
ZIP78765
$1,302/mo
ZIP78738
$2,517/mo

Cost of Living FAQs

Is it cheaper to rent or buy in ZIP 78735?›

Based on median housing data, renting is currently more affordable on a monthly basis in ZIP 78735. The estimated all-in monthly cost for renting is $2,237, while owning a median-priced home with a 20% down payment is roughly $6,106 per month (a difference of $3,869).

How much do utilities cost in ZIP 78735?›

The average monthly utility cost (electricity and natural gas) for a typical home in ZIP 78735 is approximately $145. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in ZIP 78735?›

To comfortably afford the median rent and utilities in ZIP 78735 without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $89,480 per year.