Kirby, TX vs Stephenville, TX

Kirby is moderately more affordable than Stephenville, with a 7.1% lower cost of living index. Kirby scores 80 compared to 86 for Stephenville, where the US average is 100. This difference means residents of Stephenville can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Kirby is $1,114/month compared to $1,128/month in Stephenville — a 1% difference. Home values follow the same pattern: Kirby is more affordable at $159,000 median vs $226,300.

Median household income in Kirby is $58,700 compared to $55,504 in Stephenville (+5.8%). Kirby offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Kirby spend roughly 22.8% of their income on rent, less than the 24.4% in Stephenville.

Climate-wise, Kirby is notably warmer with an average of 69.6°F compared to 65°F in Stephenville. Stephenville receives more rainfall at 34.1" per year compared to 32.4" in Kirby.