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City Housing Verdict

Coppell, TX

High Pressure

Living in Coppell, TX costs about 31% more than the national average (Cost Index: 131). Housing is the main driver — the typical home value of $525,300 is well above the $303,400 US median. The local median household income is $139,227, which helps frame the place-side housing burden.

Coppell already reads as a high-pressure housing market, with 16% rent burden, 3.8x home-price-to-income, and a housing index of 173. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Coppell.

Monthly Housing
$1,857/mo
Lower of rent or buy scenario
Housing Burden
16%
Healthy
Residual Cash
$9,245/mo
After housing and debt · $3,082/person
Rent vs Buy
Buying can be tested
Main pressure: everyday costs
Assumptions
Housing Mode
Confidence: MediumHome source: ACSRent source: ZILLOWBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 20%
Uses a URL fragment, so it does not create a separate indexed page.
Cost Index
131
Very Expensive
Based on housing costs · See methodology
Median Home Value
$525,300
Source: Census ACS
National: $303,400
Median Rent
$1,857/mo
Zillow ZORI Market Rate • Census ACS: $1,851/mo
National: $1,348/mo
Household Income
$139,227
National: $78,538
Population
42,029
Purchasing Power
135
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
173 / 100
73% above average
Rent Index
138 / 100
38% above average
Goods & Groceries
103 / 100
About the same as most US cities
Utilities
91 / 100
Typical utility costs
Healthcare & Services
100 / 100
In line with national average
Overall Index
131
Very Expensive · 31% above average

Coppell Mortgage Calculator

Pre-filled with the local median home value of $525,300 and Texas's property tax rate of 1.6%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$139,227
Census ACS place context
Rent Burden Estimate
16%
Typical annual rent / local household income
Home Price to Income
3.8x
Typical home value / local household income
Use this section to judge whether Coppell looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Coppell, TX

Est. Annual Property Tax
$8,405
Monthly Impact
$700
Added to your mortgage
Effective Rate
1.60%
National avg: ~1.00%

Texas Place Tax Context

Tax TypeTexasNational Avg
Property Tax Rate1.60%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax8.19%~5.0%

Compare Coppell to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Coppell, TX
131
138
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Coppell, TX: 173
Rent Prices
138

FAQ: Living in Coppell

Is Coppell, TX an expensive place to live?+

Yes — Coppell is about 31% more expensive than the national average, with an overall Cost Index of 131. Housing is the biggest factor: the typical home here is valued around $525,300, and monthly rents average roughly $1,857. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Coppell fit a household housing budget?+

Start with housing. Typical monthly rent is $1,857, while local median household income is $139,227. That implies a rent-burden proxy of about 16% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Coppell, TX?+

Texas is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 1.6%. On a home worth $525,300, that translates to roughly $8,405 per year in property taxes. Sales tax (state + local) averages around 8.19% on everyday purchases.

How much does it cost to rent in Coppell, TX?+

The typical monthly rent in Coppell is around $1,857. That's about 38% higher than the $1,348 national median. For comparison, the median home value here is $525,300, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Coppell, TX?+

The median home in Coppell is valued at $525,300. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,656/month for principal and interest alone — before property taxes and insurance. About 69% of residents here own their homes.

Are groceries and utilities expensive in Coppell?+

Grocery prices in Coppell are about average compared to the rest of the US (index: 103, where 100 is the national average). Utility bills (electricity, gas, water) are about typical (index: 91). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Coppell, TX like to live in?+

Coppell is a smaller city with a population of about 42,029. The median age of residents is 40.5, which is close to the national median. The local poverty rate is 4.03%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Texas

If Coppell feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Texas

Use these city pages when you want to compare Coppell against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly