Fort Worth is about 15% more expensive than El Paso overall - $100,000 in El Paso is worth about $114,657 in Fort Worth.
The housing gap between El Paso and Fort Worth is the headline story. A median home in Fort Worth costs $277,300 compared to $171,700 in El Paso - a 62% difference that shapes everything from your down-payment timeline to your commute radius. For first-time buyers, that translates to a $27,730 down payment in Fort Worth versus $17,170 in El Paso.
Renters see the same pattern. The typical apartment in Fort Worth costs $1,412/month versus $1,041/month in El Paso. But income matters too: the median household in El Paso earns $58,734 and in Fort Worth earns $76,602. That means rent swallows about 21.3% of median income in El Paso and 22.1% in Fort Worth.
Both cities are similarly sized metros - El Paso has 678,147 people and Fort Worth has 941,311. That means comparable access to jobs, airports, and cultural amenities without the extremes of a mega-city.
Monthly cost breakdown: El Paso vs Fort Worth
These estimates use BLS Consumer Expenditure Survey shares scaled by each city’s cost-of-living index. Housing uses the city’s actual median rent; ownership uses a 6.7%, 30-year mortgage with 10% down on the median home.
| Category | El Paso (rent) | Fort Worth (rent) | El Paso (own) | Fort Worth (own) |
|---|---|---|---|---|
| Housing | $1,041 | $1,412 | $997 | $1,610 |
| Transportation | $722 | $1,079 | $722 | $1,079 |
| Food | $568 | $849 | $568 | $849 |
| Healthcare | $356 | $533 | $356 | $533 |
| Other | $1,267 | $1,895 | $1,267 | $1,895 |
| Total | $3,954 | $5,768 | $3,910 | $5,967 |
Scenario: who actually wins?
The Renter
If you rent a median apartment and keep other spending typical, your monthly nut in Fort Worth is roughly $16,944 per year in rent alone - $4,452 more than in El Paso. Add utilities, food, and transport and the annual gap widens. The crossover point: you need to earn about $114,657 in Fort Worth to match $100,000 in El Paso.
The First-Time Buyer
A 10% down payment on the median home costs $27,730 in Fort Worth versus $17,170 in El Paso. On a 30-year fixed mortgage at 6.7%, the monthly P&I difference is roughly $613. Over five years, that’s $36,796 in extra (or saved) housing costs.
The Remote Worker
If your salary is locked to a national scale regardless of location, El Paso is the obvious win. A $120,000 remote salary in El Paso has the purchasing power of about $137,588 in Fort Worth. The catch: some employers use location-based pay bands, which can erase part of that advantage.
The Family of Four
With two median incomes, a household in El Paso earns roughly $88,101 and in Fort Worth earns $114,903. After housing, the next biggest budget line is usually childcare and education - costs that vary less by city than housing does. The family math usually comes down to: can you afford the home you want on local salaries? In Fort Worth, that answer is harder.
El Paso vs Fort Worth: the numbers
| Metric | El Paso | Fort Worth | Difference |
|---|---|---|---|
| Cost-of-living index (US=100) | 90 | 103 | +15% |
| Median rent | $1,041 | $1,412 | +36% |
| Median home value | $171,700 | $277,300 | +62% |
| Median household income | $58,734 | $76,602 | +30% |
Cost of living = BEA Regional Price Parities (US average = 100). Rent, home value, and income from the U.S. Census ACS. See our methodology.
What your salary is worth
A $100,000 salary in El Paso has the same buying power as about $114,657 in Fort Worth. Going the other way, $100,000 in Fort Worth is like $87,217 in El Paso.
Use the calculator below to compare any salary between El Paso and Fort Worth.
Job market snapshot: El Paso vs Fort Worth
Highest-paying roles with available data - median salary, not average, to avoid skew from senior outliers.
| Role | El Paso | Fort Worth |
|---|---|---|
| Software Developer | $106,750 | - |
| Marketing Manager | $97,650 | - |
| Physical Therapist | $95,420 | - |
| Data Scientist | $82,140 | - |
| Mechanical Engineer | $80,510 | - |
Moving from El Paso to Fort Worth: a practical checklist
Before you pack, run the numbers on these five items:
- Total compensation, not just base salary. Factor in bonuses, stock, 401(k) match, and remote-work stipends.
- Housing math for your situation. Rent vs. buy changes the winner. Use our calculator above to model both.
- State income tax. Both cities are in TX, so state tax is identical - but local sales and property tax rates can still differ.
- Commute and transportation. Gas, insurance, and tolls vary by metro. Check whether your new commute is longer or shorter.
- Healthcare network coverage. If you have employer-sponsored insurance, confirm your preferred doctors and hospitals are in-network in Fort Worth.
Run these through our cost-of-living calculator with your actual salary to get a personalized answer.