Galveston, TX vs Stephenville, TX

Stephenville is moderately more affordable than Galveston, with a 13.8% lower cost of living index. Galveston scores 98 compared to 86 for Stephenville, where the US average is 100. This difference means residents of Galveston can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Galveston is $1,278/month compared to $1,128/month in Stephenville — a 13% difference. Home values follow the same pattern: Stephenville is more affordable at $226,300 median vs $294,300.

Median household income in Galveston is $57,216 compared to $55,504 in Stephenville (+3.1%). Galveston does offer higher incomes, but the salary premium barely offsets the higher cost of living, leaving residents with a tighter budget. Looking at affordability, residents of Galveston spend roughly 26.8% of their income on rent, more than the 24.4% in Stephenville.

Climate-wise, Galveston is notably warmer with an average of 72.3°F compared to 65°F in Stephenville. Galveston receives more rainfall at 47.2" per year compared to 34.1" in Stephenville.