Hillsboro, TX vs Spearman, TX

Spearman is moderately more affordable than Hillsboro, with a 9.7% lower cost of living index. Hillsboro scores 72 compared to 65 for Spearman, where the US average is 100. This difference means residents of Hillsboro can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Hillsboro is $948/month compared to $694/month in Spearman — a 37% difference. Interestingly, home values tell a different story: while Spearman has cheaper rent, Hillsboro actually has lower median home values ($118,400 vs $135,100).

Median household income in Hillsboro is $55,761 compared to $66,903 in Spearman (-16.7%). Spearman offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Hillsboro spend roughly 20.4% of their income on rent, more than the 12.4% in Spearman.

Climate-wise, Hillsboro is notably warmer with an average of 67.1°F compared to 56.4°F in Spearman. Hillsboro receives more rainfall at 36.4" per year compared to 18.5" in Spearman.