Overall
- Killeen-Temple
- 91.1
- Saginaw
- 90.9
Diff -0.2 RPP
Killeen-Temple vs Saginaw
Cost of living comparison based on BEA Regional Price Parities. Saginaw is 0.3% less expensive than Killeen-Temple.
0.3% less expensive
Saginaw, MI is 0.3% less expensive than Killeen-Temple, TX on BEA Regional Price Parities (overall RPP 90.9 vs 91.1). A $100,000 salary in Killeen-Temple buys about the same as $99,736 in Saginaw; the largest component gap is services.
- Overall RPP 91.1 (Killeen-Temple) vs 90.9 (Saginaw)
- $100k in Killeen-Temple ≈ $99,736 purchasing power in Saginaw
- Services drives the gap (+14.6 RPP points)
RPP parity plate
Pair TX:MI 91.1→90.9
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE TX × MI
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Killeen-Temple
91.1
Cost Index
Saginaw
90.9
Cost Index
What This Comparison Actually Tells You
Killeen-Temple, TX and Saginaw, MI are a photo finish on overall price level, only 0.2 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Saginaw is 14.6 points higher. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Killeen-Temple to $99,736 in Saginaw, but it is not a personal spending weight.
Category Breakdown
Goods
- Killeen-Temple
- 93.8
- Saginaw
- 93.7
Diff -0.0 RPP
Services
- Killeen-Temple
- 81.2
- Saginaw
- 95.8
Diff +14.6 RPP
Rents
- Killeen-Temple
- 77.9
- Saginaw
- 63.6
Diff -14.2 RPP
| Category | Killeen-Temple | Saginaw | Difference |
|---|---|---|---|
| Overall | 91.1 | 90.9 | -0.2 |
| Goods | 93.8 | 93.7 | -0.0 |
| Services | 81.2 | 95.8 | +14.6 |
| Rents | 77.9 | 63.6 | -14.2 |
Visual Comparison
Overall
Killeen-Temple 91.1
Saginaw 90.9
Goods
Killeen-Temple 93.8
Saginaw 93.7
Services
Killeen-Temple 81.2
Saginaw 95.8
Rents
Killeen-Temple 77.9
Saginaw 63.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Killeen-Temple would need to be in Saginaw for the same purchasing power:
| In Killeen-Temple | In Saginaw | Difference |
|---|---|---|
| $50,000 | $49,868 | $-132 |
| $75,000 | $74,802 | $-198 |
| $100,000 | $99,736 | $-264 |
| $150,000 | $149,603 | $-397 |
$ in Killeen-Temple = in Saginaw
Same BEA Regional Price Parity ratio as the table above (91.1 → 90.9), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Saginaw more expensive than Killeen-Temple?
Saginaw is 0.3% less expensive than Killeen-Temple. The overall cost index is 90.9 vs 91.1 (national average = 100).
What salary in Saginaw equals $100K in Killeen-Temple?
A $100,000 salary in Killeen-Temple has the same purchasing power as $99,736 in Saginaw. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Killeen-Temple and Saginaw?
Rents in Killeen-Temple are indexed at 77.9 while Saginaw is at 63.6 (national average = 100). Killeen-Temple has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.