What that salary actually buys in Port Arthur
Why a family of 4 lifestyle in Port Arthur costs $97,900
Port Arthur's cost-of-living index of 89 means everyday costs run roughly 11% below the national average. To maintain a family of 4 lifestyle, the standard national-average baseline of $110,000 adjusts to $97,900 here.
The biggest line item: rent
A 1-bedroom in Port Arthur averages $1,000/month — that's $12,000/year, or about 12% of the salary required for this lifestyle. Most financial planning rules suggest keeping housing under 30% of take-home pay; on this salary, your housing cap would be $1,762/month, which comfortably covers a 1-bedroom in Port Arthur.
Take-home reality
Your gross is $97,900, but federal taxes, FICA, and Texas state taxes typically eat 25-30%. After-tax income lands around $5,874/month — that's the number that has to cover housing, transportation, food, and savings. If that feels tight for the lifestyle you have in mind, scale up your salary target.
Comparison: Port Arthur's median income
Port Arthur's median household income is $48,234, which is below the required salary for this tier. That means most households in Port Arthur earn below this threshold and may be making tradeoffs to maintain a family of 4 lifestyle.