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Cost of Living: Appleton, WI vs Killeen, TX

Wondering how far your dollar stretches in Appleton compared to Killeen? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.

TL;DR

Appleton cost-of-living index is 88 vs 88 for Killeen (US = 100). Median home: $235,000 vs $210,000. Median rent: $900/mo vs $1,050/mo.

Source: Census ACS · Zillow ZHVI/ZORI · BEA RPP, 2026

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Appleton and Killeen have similar costs of living
COL Index: Appleton 88 vs Killeen 88 (national avg = 100)
Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-04-19

Appleton vs Killeen — At a Glance

AppletonMetricKilleenDifference
88Cost of Living Index88+0.0%
$235,000Median Home Price$210,000-10.6%
$900Median Monthly Rent$1,050+16.7%
$62,500Median Household Income$54,800-12.3%
2.0%Property Tax Rate1.8%-10.0%
3.0%Unemployment Rate4.2%+40.0%
19 minAverage Commute21 min+10.5%
35.8Median Age29.2-18.4%
240,000Metro Population470,000+95.8%

Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.

Housing Comparison: Appleton vs Killeen

Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.

Appleton

Median Home Price$235,000
Down Payment (20.0%)$47,000
Loan Amount$188,000
Principal & Interest$1,188/mo
Property Tax$392/mo
Insurance$69/mo
Monthly PITI$1,648/mo

Killeen

Median Home Price$210,000
Down Payment (20.0%)$42,000
Loan Amount$168,000
Principal & Interest$1,062/mo
Property Tax$315/mo
Insurance$61/mo
Monthly PITI$1,438/mo

Rent & Affordability Ratios

Median Monthly Rent$900 vs $1,050 (+$150/mo)
Annual Rent Difference$1,800/yr more in Killeen
Home Price-to-Income Ratio3.8x (Appleton) vs 3.8x (Killeen)
Years to Save 20% Down (15% savings rate)5.0 yrs (Appleton) vs 5.1 yrs (Killeen)

Buying a home in Appleton costs $1,648/month (PITI) compared to $1,438/month in Killeen — a difference of $210/month or $2,520/year. The price-to-income ratio is 3.8x in Appleton versus 3.8x in Killeen, suggesting Appleton is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 5.0 years to save a down payment in Appleton compared to 5.1 years in Killeen.

Tax Comparison: Appleton vs Killeen

Estimated on each city's median household income, single filer, standard deduction, 2025 rates.

Tax CategoryAppletonKilleen
Gross Income$62,500$54,800
State Income Tax$2,160None
Federal Income Tax$5,371$4,447
FICA (SS + Medicare)$4,781$4,193
Property Tax (on median home)$4,700/yr$3,780/yr
State Sales Tax Rate5.0%6.3%
Total Tax Burden$12,312 (19.7%)$8,640 (15.8%)
Take-Home Pay$50,188$46,160

Texas has no state income tax, giving Killeen residents a significant tax advantage. On median household income, total taxes (federal + state + FICA) come to $12,312 in Appleton (19.7% effective) versus $8,640 in Killeen (15.8% effective). After taxes, take-home pay is $50,188 in Appleton and $46,160 in Killeen. Property taxes add $4,700/year on the median Appleton home versus $3,780/year in Killeen.

Salary Equivalence: What Your Income Is Worth

A $62,500 salary in Appleton equals
$62,500
in Killeen
A $54,800 salary in Killeen equals
$54,800
in Appleton

These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $62,500 in Appleton (COL 88) and relocate to Killeen (COL 88), you would need $62,500 to maintain the same purchasing power. This means your salary should stay roughly the same.

Quality of Life: Appleton vs Killeen

Average Commute
19 min
Appleton
21 min
Killeen
2 min shorter in Appleton
Unemployment Rate
3.0%
Appleton
4.2%
Killeen
Appleton lower
Metro Population
0.2M
Appleton
0.5M
Killeen
Killeen is 2.0x larger

Beyond costs, quality of life matters. The average commute in Appleton is 19 minutes versus 21 minutes in Killeen, a difference of 2 minutes each way. Appleton's lower unemployment rate of 3.0% versus 4.2% suggests a stronger job market. Appleton skews slightly older with a median age of 35.8 vs 29.2 in Killeen.

Other Cost of Living Comparisons

Appleton vs New YorkCOL 88 vs 187Appleton vs Los AngelesCOL 88 vs 173Appleton vs ChicagoCOL 88 vs 114Killeen vs New YorkCOL 88 vs 187Killeen vs Los AngelesCOL 88 vs 173Chicago vs KilleenCOL 114 vs 88

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Frequently Asked Questions

Is Appleton or Killeen more expensive?

Appleton and Killeen have very similar costs of living, with COL indices of 88 and 88 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.

How much more does housing cost in Killeen vs Appleton?

The median home price in Killeen is $210,000, which is $25,000 more than Appleton's median of $235,000. Monthly rent follows a similar pattern: $1,050/month in Killeen vs $900/month in Appleton, a difference of $150/month or $1,800/year.

What salary do I need in Killeen to match my Appleton income?

To maintain the same standard of living, a $62,500 salary in Appleton is equivalent to $62,500 in Killeen. This is based on the cost of living index ratio: Appleton's COL index of 88 vs Killeen's 88. Conversely, $54,800 in Killeen equals $54,800 in Appleton.

Which city has lower taxes, Appleton or Killeen?

On a median household income, the combined federal, state, and FICA tax burden is $12,312 (19.7% effective rate) in Appleton vs $8,640 (15.8% effective rate) in Killeen. Property taxes on the median home are $4,700/year in Appleton (2.0% rate) vs $3,780/year in Killeen (1.8% rate). Sales tax rates are 5.0% in Wisconsin and 6.3% in Texas.

What is the median household income in Appleton and Killeen?

Appleton median household income: $62,500/yr. Killeen median household income: $54,800/yr (Census ACS).

How does rent compare in Appleton vs Killeen?

Median monthly rent: $900 in Appleton vs $1,050 in Killeen. Annualized that is $10,800 vs $12,600.

Which city is better for remote workers, Appleton or Killeen?

Appleton offers a lower cost of living (index 88 vs 88), which lets remote-workers keeping a coastal salary stretch further. Killeen typically wins on amenities and labor-market depth.

Where does the data on this comparison come from?

Appleton and Killeen numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this Appleton vs Killeen comparison updated?

Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. The Appleton vs Killeen cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.

Explore More

All City ComparisonsAppleton COL CalculatorKilleen COL CalculatorSalary GuidesMortgage Affordability CalculatorRent vs Buy Calculator

Sources & Citations

  1. Zillow Research — ZHVI (home values) & ZORI (observed rent index) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities by state and MSA — bea.gov/rpp
  4. Tax Foundation — effective state and local tax rates — taxfoundation.org
  5. Freddie Mac PMMS — weekly national average mortgage rates — freddiemac.com/pmms
  6. Internal Revenue Service — federal income tax brackets and standard deduction — irs.gov
  7. U.S. Bureau of Labor Statistics — unemployment and wage statistics — bls.gov
Methodology & Assumptions

Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].

COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.

Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.

Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.

Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.

Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].

Last reviewed is computed from the maximum retrievedAt across every source this page consumes.

City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed 2026-04-19.