What does college actually cost in Texas in 2026? Here's a real breakdown — and a pre-filled calculator so you can see your personal number in seconds.
Texas is one of the more affordable large states for college students. In-state tuition at UT Austin averages around $11,500/year, while schools like Texas A&M and Texas Tech run closer to $10,000–$11,000/year. Housing is the biggest variable — on-campus dorms in Austin average $10,000–$13,000/year, but off-campus rent in cities like Lubbock or College Station can be as low as $600–$800/month for a shared room.
Food costs are generally lower than coastal states. Students who cook typically spend $250–$380/month on groceries, and dining halls average around $4,500–$5,500/year for a standard plan. Texas has no state income tax, which helps take-home pay go further for students working part-time. However, most campuses require a car — parking and gas add $150–$300/month for drivers. All-in, most Texas college students budget between $25,000–$35,000/year depending on school and city.
The calculator below is pre-set for Texas. Adjust your housing situation, meal plan, and lifestyle — then see your personalized monthly and yearly College Cash number.
Run My TX Budget EstimateFree, no sign-up. Estimates based on 2026 public university data. Not financial advice.
🎓 Apply for TEXAS Grant — The Toward EXcellence, Access, and Success Grant covers tuition for eligible in-state students at public Texas universities.
🚗 Choose your campus wisely — Students in Lubbock, San Marcos, or Commerce pay dramatically less in rent than those in Austin or Houston.
🍽️ Cook most meals — HEB grocery stores offer some of the best prices in the country; stocking your kitchen is easy and cheap in Texas.
💼 No state income tax advantage — Every dollar you earn from a part-time job goes further because Texas has no state income tax, boosting your take-home pay compared to most states.
Information only. Not financial advice. Check official school and state websites for current figures.
Compare costs across states to see how Texas stacks up.