FIRE Number & Cost of Living in Texas

Explore FIRE baselines across 21 cities in Texas. No state income tax means more savings turn into invested capital. Find your target and compare retirement timelines.

Cities covered
21
Avg FIRE target
$1,158,325
Avg annual cost
$46,333

All cities in Texas

Ranked by cost of living. Pick a city to see detailed FIRE calculations, tax context, and retirement scenarios specific to that location.

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Frisco, TX
$58,000/year baseline
$1,450,000 FIRE target
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Austin, TX
$55,000/year baseline
$1,375,000 FIRE target
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Plano, TX
$54,000/year baseline
$1,350,000 FIRE target
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McKinney, TX
$54,000/year baseline
$1,350,000 FIRE target
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Dallas, TX
$52,000/year baseline
$1,300,000 FIRE target
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Irving, TX
$52,000/year baseline
$1,300,000 FIRE target
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Houston, TX
$50,000/year baseline
$1,250,000 FIRE target
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Fort Worth, TX
$50,000/year baseline
$1,250,000 FIRE target
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Arlington, TX
$50,000/year baseline
$1,250,000 FIRE target
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San Antonio, TX
$46,000/year baseline
$1,150,000 FIRE target
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Garland, TX
$46,000/year baseline
$1,150,000 FIRE target
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Denton, TX
$46,000/year baseline
$1,150,000 FIRE target
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Midland, TX
$46,000/year baseline
$1,150,000 FIRE target
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Corpus Christi, TX
$42,000/year baseline
$1,050,000 FIRE target
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Lubbock, TX
$40,000/year baseline
$1,000,000 FIRE target
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Waco, TX
$40,000/year baseline
$1,000,000 FIRE target
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Amarillo, TX
$40,000/year baseline
$1,000,000 FIRE target
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Killeen, TX
$40,000/year baseline
$1,000,000 FIRE target
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El Paso, TX
$38,000/year baseline
$950,000 FIRE target
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Laredo, TX
$38,000/year baseline
$950,000 FIRE target
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Brownsville, TX
$36,000/year baseline
$900,000 FIRE target

Calculate your FIRE date for any city in Texas

Use the full calculator to model your specific income, savings rate, and taxes to get an exact retirement date.

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