Cost of Living in Dallas vs. Fort Worth: A Comprehensive Comparison (2025 Edition)

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​Compare the cost of living in Dallas vs. Fort Worth in 2025 — from rent and insurance to salaries.

Make informed decisions with help from Corin Insurance Group.

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​ Considering a move to the Dallas–Fort Worth (DFW) metroplex? While these neighboring cities share many similarities, they differ in key aspects that can impact your lifestyle and budget. This guide breaks down the cost of living in Dallas and Fort Worth, covering housing, transportation, utilities, and insurance, to help you make an informed decision. If you're contemplating a move to the Dallas–Fort Worth (DFW) metroplex, understanding the nuances in the cost of living between Dallas and Fort Worth is crucial ---
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Housing Costs
Housing remains the most significant factor differentiating the two cities. On average, rent prices in Fort Worth are about 16.6% lower than in Dallas (Numbeo). For instance, the average monthly rent for a one-bedroom apartment in Dallas is around $1,400, while Fort Worth averages slightly lower at $1,200 (Destination DFW). When it comes to purchasing a home, Dallas housing costs are approximately 3.0% more expensive than those in Fort Worth (BestPlaces).
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Transportation and Utilities
Transportation expenses can vary based on your location within the metroplex. Public transportation options are more extensive in Dallas, potentially reducing the need for a personal vehicle. However, transportation costs in Fort Worth are generally 24% cheaper than in Dallas (Expatistan, cost of living comparisons). Regarding utilities, Fort Worth residents may pay slightly more, with monthly energy bills averaging $251.01, compared to Dallas's average of $205 (RentCafe, Expatistan, cost of living comparisons).
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Food and Entertainment
When it comes to dining and entertainment, Fort Worth tends to be more affordable. For example, a basic dinner for two in a neighborhood pub costs about $47 in Fort Worth, whereas the same meal in Dallas averages $68 . Groceries are also slightly less expensive in Fort Worth, with prices being about 0.1% higher in Dallas .(Expatistan, cost of living comparisons, Numbeo)
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Income and Employment
The average after-tax salary in Dallas is higher, at approximately $4,999, compared to Fort Worth's $4,336 . This difference can offset some of the higher living costs in Dallas. However, it's essential to consider your specific employment opportunities and salary prospects in each city.(Livingcost)
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Insurance Considerations

Homeowners insurance is a significant component of the cost of living. In Dallas, the average annual cost for homeowners insurance is approximately $4,945, while in Fort Worth, it's higher at around $5,825. Auto insurance rates also vary, with Dallas residents paying about $236.36 monthly and Fort Worth residents paying approximately $181.34. These differences can significantly affect your overall budget.

To navigate these costs effectively, consider consulting with a knowledgeable insurance provider. Corin Insurance Group, LLC offers personalized insurance solutions tailored to your specific needs in both Dallas and Fort Worth. Their expertise can help you find the most cost-effective coverage options, ensuring you make informed decisions that align with your financial goals and lifestyle requirements.

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How Corin Insurance Group Can Help
Navigating the complexities of insurance costs can be challenging. At Corin Insurance Group, LLC, we specialize in helping residents of both Dallas and Fort Worth find the most competitive insurance rates. By partnering with a diverse range of A-rated carriers, we can tailor coverage to your specific needs and budget.

Our trusted carriers include:

· Allstate: Offers customizable coverage options and discounts for bundling policies.
· Encompass: Known for comprehensive coverage and excellent customer service.
· Lemonade: Provides competitive rates and a user-friendly digital experience.
· MDOW Insurance: Offers a variety of coverage options with a focus on customer satisfaction.
·Safeco/Liberty Mutual: Backed by a strong national network, Safeco offers flexible home and auto insurance solutions with a wide range of discounts and optional coverages.
· Steadily: Specializes in coverage for unique or high-risk properties.
And More!

By comparing quotes from these and other carriers, we aim to help you find a homeowners insurance policy that fits your needs and budget, potentially reducing your monthly mortgage payment. Our goal is to ensure you're not overpaying for insurance, which can have a significant impact on your escrow account and overall mortgage costs.

If you're experiencing an increase in your mortgage payment and want to explore ways to manage or reduce your insurance costs, contact Corin Insurance Group today. Our experienced agents are here to help you navigate the complexities of homeowners insurance and find the best solutions for your situation.
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Whether you're leaning towards the bustling city life of Dallas or the more relaxed atmosphere of Fort Worth, understanding the cost of living differences is crucial. And when it comes to managing your insurance needs, Corin Insurance Group is here to assist you every step of the way.
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Summary Table


Expense Category Dallas Average  VS  Fort Worth Average

Rent (1BR Apartment)        $1,400 VS $1,200                                Fort Worth is more affordable
Homeowners Insurance     $4,945/yr VS  $5,825/yr                     Higher in Fort Worth
Auto Insurance                     $236.36/mo  VS  $181.34/mo         Higher in Dallas
Utilities                                  $205/mo  VS  $251.01/mo                Higher in Fort Worth
Dinner for Two                     $68  VS   $47                                        More affordable in Fort Worth
After-Tax Salary                  $4,999 VS  $4,336                                Higher in Dallas
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Final Thoughts
Both Dallas and Fort Worth offer unique advantages. Dallas boasts higher average salaries and a more extensive public transportation system, while Fort Worth offers more affordable housing and lower costs in dining and entertainment. Your choice should align with your lifestyle preferences, employment opportunities, and financial goals.

For assistance in managing your insurance needs and understanding how they impact your cost of living, reach out to Corin Insurance Group, LLC. Their team can provide tailored solutions to help you navigate the financial aspects of living in the DFW area.