LivabilityCalc
Find Your City
City Housing Verdict

Rosenberg, TX

Stretch

The cost of living in Rosenberg, TX is right at the national average (Cost Index: 100). Homes here are typically valued around $311,990, compared to the $303,400 national median. The median household income is $64,897 — overall, living costs and earnings are reasonably balanced in this area.

Rosenberg sits in the stretch zone: not impossible, but household feasibility will depend heavily on rent, down payment, debt load, and whether you are renting or buying. Start with the verdict panel, then compare scenarios before treating this city as affordable.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 Rosenberg.

Monthly Housing
$1,337/mo
Lower of rent or buy scenario
Housing Burden
25%
Healthy
Residual Cash
$3,571/mo
After housing and debt · $1,190/person
Rent vs Buy
Rent first
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 34%
Uses a URL fragment, so it does not create a separate indexed page.
Cost Index
100
Average
Based on housing costs · See methodology
Median Home Value
$311,990
Zillow ZHVI Market Rate • Census ACS: $218,600
National: $303,400
Median Rent
$1,337/mo
Source: Census ACS
National: $1,348/mo
Household Income
$64,897
National: $78,538
Population
39,467
Purchasing Power
83
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
103 / 100
Close to average
Rent Index
99 / 100
Close to average
Goods & Groceries
101 / 100
About the same as most US cities
Utilities
95 / 100
Typical utility costs
Healthcare & Services
96 / 100
In line with national average
Overall Index
100
Average

Rosenberg Mortgage Calculator

Pre-filled with the local median home value of $311,990 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
$64,897
Census ACS place context
Rent Burden Estimate
25%
Typical annual rent / local household income
Home Price to Income
4.8x
Typical home value / local household income
Use this section to judge whether Rosenberg 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 Rosenberg, TX

Est. Annual Property Tax
$4,992
Monthly Impact
$416
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 Rosenberg 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.

Rosenberg, TX
100
99
Loading cities...
---
---

Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Rosenberg, TX: 103
Rent Prices
99

FAQ: Living in Rosenberg

What is the cost of living like in Rosenberg, TX?+

Living costs in Rosenberg land close to the national average, with a Cost Index of 100 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $311,990, and typical monthly rents run around $1,337. Groceries and utilities are in line with what you would find in most US cities.

How does Rosenberg fit a household housing budget?+

Start with housing. Typical monthly rent is $1,337, while local median household income is $64,897. That implies a rent-burden proxy of about 25% 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 Rosenberg, 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 $311,990, that translates to roughly $4,992 per year in property taxes. Sales tax (state + local) averages around 8.19% on everyday purchases.

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

The typical monthly rent in Rosenberg is around $1,337. That's close to the $1,348 national median. For comparison, the median home value here is $311,990, so buyers should also factor in mortgage payments, property taxes, and insurance.

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

The median home in Rosenberg is valued at $311,990. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,578/month for principal and interest alone — before property taxes and insurance. About 51% of residents here own their homes.

Are groceries and utilities expensive in Rosenberg?+

Grocery prices in Rosenberg are about average compared to the rest of the US (index: 101, where 100 is the national average). Utility bills (electricity, gas, water) are about typical (index: 95). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Rosenberg, TX like to live in?+

Rosenberg is a smaller city with a population of about 39,467. The median age of residents is 31.3, skewing younger — often a sign of a college town or fast-growing area. The local poverty rate is 16.85%, above the national average of 12.4%.

Lower-Pressure Alternatives in Texas

If Rosenberg 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 Rosenberg 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