Irving, TX Relocation Guide (2026)
Cost of living, housing, and income data for Irving, sourced from the US Census Bureau.
Salary needed to live in Irving →
Source: US Census Bureau ACS 5-Year (2022). Last updated July 2026.
Roughly 254,962 people call Irving, Texas home. Household income runs $76,686 at the median, roughly in line with what we see across the broader set of cities (+6%).
Housing costs are a defining factor for anyone relocating to Irving. The median home value sits at $259,500 (below the multi-city median at -21%), while renters pay a median of $1,423 per month. Buyers should weigh current mortgage rates and local property taxes against these figures before committing.
Irving's home-price-to-income ratio of about 3.4× puts it in affordable territory — income here stretches further toward a home purchase than in many cities we track. Year-over-year, home prices near Irving have eased by about 0.12%, a mild cooldown rather than a sharp drop. Climate and natural-hazard risk in Irving runs on the higher side, per FEMA's Very High rating — insurance premiums often track this closely.
Personal Affordability Check
Renting at $1,423/mo in Irving would take 22.3% of your income.
$494/mo under the 30% guideline.
Buying the median home ($259,500) would take 21.7% of your income toward principal & interest.
$404/mo under the 28% guideline.
Cost of housing in Irving
Median home value is $259,500 and median gross rent is $1,423/month. For buyers, monthly costs depend heavily on current mortgage rates — worth checking before you commit.
FHFA's county-level home price index for Dallas fell 0.12% over the past year (as of 2025).
HUD's FY 2026 Fair Market Rent for a 2-bedroom unit in the surrounding county is $1,931/month.
Climate & home insurance
FEMA rates Irving's overall natural-hazard risk as Very High. Risk level is a major driver of home insurance premiums.
Safety
Irving reported a violent crime rate of 268 per 100,000 residents in 2025, per FBI data.
Moving to Irving
Planning a move to Irving? Compare licensed movers and get quotes based on your origin and move date.
Frequently asked questions
- What is the cost of living in Irving, TX?
- For a quick read on Irving: homes carry a median value of $259,500, rent runs a median $1,423 monthly, and household income is a median $76,686, all from the US Census Bureau ACS 5-Year (2022).
- How much do you need to earn to live comfortably in Irving?
- Comfortably affording rent in Irving — where the median runs $1,423/month — typically means earning about $56,920 a year, per the standard 30%-of-income benchmark. See the full salary breakdown (renting and buying) for Irving.
- Is it better to rent or buy in Irving?
- Irving's median rent of $1,423/month translates to about $56,920 a year needed to rent comfortably, versus roughly $59,372 a year for principal and interest on the $259,500 median home (20% down, 30-year fixed, today's rates). How long you'll stay is usually the deciding factor.
- Is Irving safe?
- Irving's violent crime rate, per FBI reporting for 2025, stands at 268 per 100,000 residents.
See the full salary breakdown for Irving →
Cities with a similar cost of living
Matched on median rent and household income within 15% of Irving's.