Retirement Lists

Cost of Living in Clifton, Texas

Buildings in downtown Clifton, Texas
Photo by Renelibrary via Wikimedia Commons, CC BY-SA 4.0

Clifton costs

A modest home price still needs a river and vehicle budget

ACS estimates for 2020 through 2024 place median owner value at $160,000, median gross rent at $1,055, and median household income at $64,653. About 61% of occupied units are owner-occupied in the city profile.

Add property taxes, insurance, utilities, cooling, repairs, vehicle costs, care, prescriptions, flood coverage, and regional trips. Price the actual roof, drainage, parking, accessibility, and route to Waco or other specialist care.

Planning a monthly budget

A local monthly estimate of $3,423 gives you the starting point, with housing taking the largest share.

Housing
$1,463
Utilities (in rent)
$257
Food
$460/mo
Transportation
$1,064/mo
Healthcare
$436

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,937

Moderate

Cost of Living for Couple
$3,962

Very Good

Typical 1BR Rent
$1,463

Very Good

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$232/mo

Very Good

Need for a Car
Required
Property Taxes
High
Overall Feel
Moderate
Residents 65+ Below Poverty Level
8.2%
65+ Householder — Renter Occupied
36.2%
65+ Households With High Housing Costs
27.0%
Median Household Income, Householder 65+
$49,306

Could Clifton fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$3,423 per month
Two people
$3,962 per month

One-person estimate breakdown

Housing
$1,463
Food
$460
Transportation
$1,064
Healthcare
$436

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Clifton in everyday life

Could Clifton work for you?

What may work well

  • ACS provides clear city housing benchmarks.
  • A local hospital may reduce some regional care travel.

What to think about

  • Vehicle use and regional care may add cost.
  • Flood, cooling, insurance, and repairs can change the monthly picture.

Price a Clifton household

  1. Compare several homes

    Keep housing, taxes, insurance, utilities, repairs, flood exposure, and access visible for every address.

  2. Map recurring trips

    Price hospital, clinic, pharmacy, groceries, library, parks, transit, family, and regional specialists.

  3. Reserve for weather

    Keep room for cooling, drainage, flood coverage, repairs, power, and a ride when roads change.

Questions retirees ask

Is the $160,000 figure a current home price?

No. It is the ACS median owner-occupied home value for 2020-2024. Check current listings, taxes, insurance, utilities, repairs, and flood exposure.

Why can two Clifton homes have different budgets?

Distance, flood exposure, insurance, utilities, cooling, repairs, parking, accessibility, and vehicle use vary by address.

Clifton affordability is an address question. Price the home, river exposure, care route, vehicle, rural transit, and regional miles together.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.