Grand Rapids vs Garland: Cost of Living Comparison
How does the cost of living in Grand Rapids, Michigan compare to Garland, Texas? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Grand Rapids is the more affordable city overall. Housing costs are 11% lower in Grand Rapids compared to Garland, while rent is 20% lower. TX has no state income tax.
| Metric | Grand Rapids, MI | Garland, TX | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $203,900 | $229,000 | -11.0% |
| Median Monthly Rent | $1,138 | $1,421 | -19.9% |
| Income | |||
| Median Household Income | $61,634 | $71,044 | -13.2% |
| Per Capita Income | $32,371 | $30,132 | +7.4% |
| Taxes | |||
| State Income Tax Rate | 4.3% | None | same |
| Combined Sales Tax | 6.0% | 8.2% | -26.8% |
| Demographics | |||
| Population | 198,096 | 244,026 | -18.8% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — Grand Rapids
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Garland
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in Grand Rapids costs $203,900 compared to $229,000 in Garland — a 11% discount.
- Rent: Median rent is $1,138/mo in Grand Rapids vs $1,421/mo in Garland.
- Income: Median household income is $61,634 in Grand Rapids and $71,044 in Garland.
- Taxes: Texas has no state income tax, while Michigan has a 4.25% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).