Before we crunch the numbers, it is important to understand the economic landscape. Living in Mount Pleasant offers a distinct financial advantage compared to the national average.

According to 2025 economic data, the overall cost of living in Mount Pleasant is approximately 10% lower than the U.S. national average. For renters moving from larger Texas cities or out of state, the savings are often immediate and substantial. The city serves as a regional hub for Titus County, meaning it has the amenities of a larger town—shopping, healthcare, and dining—without the “big city” premium on goods and services.

Whether you are a young professional starting your career, a couple saving for a future home, or someone simply looking to downsize their expenses, living in Mount Pleasant provides a financial breathing room that is becoming increasingly rare in today’s economy.

1. Housing Costs: The Biggest Savings

Housing is invariably the largest expense in any budget. Fortunately, this is where living in Mount Pleasant shines the brightest.

The Rental Market

As of late 2025, the average rent for an apartment in Mount Pleasant, TX, hovers around $1,123 per month. While this is already significantly lower than the national average (which can top $1,600), smart renters can find even better value without sacrificing quality.

Newer developments are bridging the gap between luxury and affordability. For example, communities like Shadywood Apartments have launched with pricing starting at just $875 for a 1-bedroom apartment. When you compare this to the average market rate, you are potentially saving over $200 a month—or $2,400 a year—just by choosing the right property.

Value for Money

In many cities, “affordable” often means outdated interiors or a lack of amenities. However, living in Mount Pleasant defies this trend. At properties like Shadywood, that $875 price point includes:

• Open-concept layouts that maximize space.

• Modern kitchens with pass-through bars.

• Private patios for outdoor relaxation.

• Walk-in closets that rival those in custom homes.

When calculating your housing budget, remember to factor in the quality of life you are getting for that price. In Mount Pleasant, your rent check buys you a lifestyle that would cost double in a Dallas suburb.

2. Utilities and Connectivity

After rent, utilities are usually the second concern for renters. East Texas weather can be variable, which impacts your monthly bills.

Electricity

Texas has a deregulated energy market, giving residents the power to choose their electricity provider. This competition often leads to competitive rates. The average residential electricity rate in the Mount Pleasant area is approximately 13.2 cents per kWh, which is lower than the national average.

However, when living in Mount Pleasant, you must account for the summer heat. During June, July, and August, air conditioning use will spike. A well-insulated, modern apartment can help mitigate this, but you should budget for higher electric bills in the summer (approx. $140–$180) and significantly lower bills in the winter.

Water and Internet

Water rates in Mount Pleasant saw a modest adjustment in 2024 to account for infrastructure improvements, but they remain reasonable compared to major metros. For high-speed internet, the area is well-served by major providers, ensuring that remote workers or streaming enthusiasts have reliable connectivity. Expect to pay between $50 and $80 per month for a high-speed fiber or cable connection.

3. Groceries and Dining: Eating Well for Less

One of the daily joys of living in Mount Pleasant is the access to fresh, affordable food. The cost of groceries in the area typically trends about 2.5% lower than the national average.

Grocery Options

Residents have excellent choices that cater to different budgets:

• ALDI: Great for budget-conscious staples.

• Super 1 Foods: A local favorite for fresh produce and meats.

• Walmart Supercenter: For one-stop shopping.

A single person can expect to spend roughly $300–$390 per month on groceries, depending on dietary habits. For a family of four, this might range between $800 and $1,000.

Dining Out

If you prefer to eat out, living in Mount Pleasant offers a diverse culinary scene that won’t break the bank. You can enjoy a hearty meal at a local Tex-Mex spot or a barbecue joint for $15–$20 per person. Unlike larger cities where a dinner date can easily hit $100, a night out in Mount Pleasant is far more wallet-friendly, allowing you to enjoy the local culture more often.

4. Transportation: Getting Around

Mount Pleasant is a driving-centric city, but the lack of traffic congestion is a massive perk. The average commute time is only 13 minutes, which is a dream compared to the hour-long slogs common in Dallas or Houston.

Gas and Auto Insurance

Because you spend less time idling in traffic, your fuel consumption is naturally lower. Furthermore, gas prices in Texas are consistently among the lowest in the nation due to the state’s proximity to refineries and lower taxes.

While you will likely need a car for living in Mount Pleasant, the wear and tear on your vehicle is reduced due to shorter commute distances. Auto insurance rates in the zip code 75455 are generally standard for Texas, though it is always smart to shop around for quotes.

5. Healthcare and Wellness

Access to affordable healthcare is a critical component of the cost of living. Mount Pleasant serves as a medical hub for the surrounding region.

Facilities like Titus Regional Medical Center and the nearby CHRISTUS Health campus ensure that residents have access to top-tier medical care without traveling to a big city. Healthcare costs in Mount Pleasant generally track slightly below the national average.

For staying healthy, the city offers plenty of free or low-cost recreation. Caldwell Park and the local Sports Complex provide excellent spaces for jogging, tennis, and team sports. Living in Mount Pleasant means you don’t necessarily need an expensive gym membership to stay active; the “pleasant surroundings of nature” mentioned by many locals are free to enjoy.

6. Taxes: The Texas Advantage

We cannot talk about the cost of living without mentioning the “Texas Advantage.” Texas is one of the few states with zero state income tax.

For newcomers relocating from states with high income tax (like California or New York), this is an instant pay raise. When you choose living in Mount Pleasant, you keep more of your hard-earned money in your pocket. While sales tax is applicable, the absence of income tax significantly boosts your disposable income, allowing you to save more or spend it on experiences you love.