Retirement Lists

Cost of Living in Georgetown, Texas

Williamson County Courthouse Historic District in Georgetown, Texas
Photo by Renelibrary via Wikimedia Commons, CC BY-SA 4.0

Georgetown costs

A fast growing Texas budget needs housing, cooling, water, insurance, and regional driving visible

The catalog's 2024 ACS gross rent anchors are $1,510 for one bedroom and $1,721 for two bedrooms, with a modeled local monthly estimate of $3,470. Census reports a $1,795 median gross rent and a $429,100 median owner occupied home value for 2020 to 2024. Add utilities, cooling, insurance, taxes, vehicle costs, maintenance, prescriptions, and Austin region trips.

Request current rent or purchase terms, utility history, water rates and watering rules, insurance, roof and drainage records, parking, internet, vehicle costs, and the St. David's route. A lower housing figure can be offset by cooling, water use, repairs, traffic, driving, or regional care.

Planning a monthly budget

A local monthly estimate of $3,470 gives you the starting point, with housing taking the largest share.

Housing
$1,510
Utilities (in rent)
$262
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
$5,059

Moderate

Cost of Living for Couple
$4,894

Good

Typical 1BR Rent
$1,510

Very Good

Everyday expenses

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

Dining Out
$231/mo

Excellent

Need for a Car
Required
Property Taxes
High
Overall Feel
Moderate
Residents 65+ Below Poverty Level
6.6%
65+ Householder — Renter Occupied
18.6%
65+ Households With High Housing Costs
32.5%
Median Household Income, Householder 65+
$77,712

Could Georgetown 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
$3,470 per month
Two people
$4,894 per month

One-person estimate breakdown

Housing
$1,510
Food
$460
Transportation
$1,064
Healthcare
$436

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

Georgetown in everyday life

Could Georgetown work for you?

What may work well

  • Census, city water, and product sources provide identifiable housing and budget planning anchors.
  • The hospital, parks, library, historic districts, and Austin region access provide concrete weekly resources.

What to think about

  • The citywide figures are planning references, not a personal retirement budget.
  • Cooling, water, insurance, taxes, traffic, vehicle use, maintenance, and regional care can change the total substantially.

Price a Georgetown household

  1. Compare several addresses

    Keep housing, utilities, cooling, water, insurance, taxes, vehicle use, repairs, traffic, and service distance visible.

  2. Map recurring care

    Price St. David's, Ascension Seton Williamson, specialists, pharmacy, groceries, fuel, parking, referrals, and aftercare.

  3. Reserve for Texas heat

    Keep room for cooling, shade, water, power, roof work, drainage, trees, insurance, roads, and a ride after difficult weather.

Questions retirees ask

Are Georgetown rent figures the full budget?

No. They are Census and product planning anchors. Add utilities, cooling, water, insurance, taxes, maintenance, transport, food, care, prescriptions, and regional trips.

Why do Georgetown homes have different budgets?

Cooling, water use, taxes, insurance, drainage, roof age, parking, traffic, vehicle use, and care distance vary by address.

Georgetown affordability depends on the actual home, cooling and water plan, insurance, transport, care, traffic, and services used 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.