Retirement Lists

Cost of Living in Decatur, Texas

North Trinity Street in Decatur, Texas (United States).
Photo by Michael Barera via Wikimedia Commons, CC BY-SA 4.0

Decatur costs

A north Texas budget needs cooling, insurance, and regional-care costs

Census figures place median home value at $284,500, median rent at $1,024, and median monthly owner costs at $1,749 with a mortgage or $717 without one. Median household income was $73,179. These are citywide benchmarks rather than a complete retirement budget.

Add taxes, insurance, cooling, utilities, roof, drainage, repairs, transport, prescriptions, care, and the cost of a home near Medical City, parks, library, and groceries.

Planning a monthly budget

A local monthly estimate of $2,878 gives you the starting point, with transportation taking the largest share.

Housing
$918
Utilities
$249
Food
$460/mo
Transportation
$1,064/mo
Healthcare
$436

How the total can change

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

Comfortable Living
$4,007

Good

Cost of Living for Couple
$4,051

Very Good

Typical 1BR Rent
$918

Very Good

Everyday expenses

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

Dining Out
$234/mo

Very Good

Need for a Car
Required
Property Taxes
High
Overall Feel
Good
Residents 65+ Below Poverty Level
6.8%
65+ Householder — Renter Occupied
18.6%
65+ Households With High Housing Costs
25.5%
Median Household Income, Householder 65+
$55,208

Could Decatur 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.

A monthly estimate for the other household size is not available here.

Housing

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Starting renter estimates

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

Two people
$4,051 per month

Two-person estimate breakdown

Housing
$878
Food
$791
Transportation
$1,575
Healthcare
$807

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

Decatur in everyday life

Could Decatur work for you?

What may work well

  • Census provides city-level housing benchmarks.
  • Emergency care, parks, history, library programs, and planned rides provide identifiable resources.

What to think about

  • Cooling, insurance, roof, drainage, transport, and regional care are not included in Census medians.
  • Car needs and hazard preparation can add materially to the budget.

Price a Decatur household

  1. Compare several addresses

    Keep housing, taxes, insurance, utilities, cooling, repairs, drainage, and service distance visible.

  2. Map recurring care

    Price Medical City Decatur, primary care, pharmacy, groceries, transit, and regional specialists.

  3. Reserve for severe weather

    Keep room for cooling, roof work, drainage, power, storm supplies, wildfire precautions, and a ride after an event.

Questions retirees ask

Is $717 the full cost of owning without a mortgage?

No. It is the Census median selected owner cost without a mortgage. Add taxes, insurance, utilities, cooling, repairs, storm work, care, and transportation.

Why do Decatur homes have different budgets?

Cooling, insurance, drainage, roof, taxes, utilities, service distance, transit, and care vary by address.

Decatur affordability depends on the actual home, cooling and storm costs, the care route, transport, and the services you use each week.

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.