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What’s considered a “good” salary in Texas depends on your household size and lifestyle, but most Texans make between $50,000 and $100,000 annually.

Texas cities have differing costs of living, of course — Austin is much pricier than Amarillo — so where you live in the Lone Star State also matters. Let’s break it down further.

What Is a Good Salary for Texas?

A good salary, in many people’s minds, is one that allows an earner to save, take vacations, eat out, and so on. But before we can calculate that amount, we need to look at the average income required to cover basic needs in Texas.

Each year, MIT releases living wage figures — the income that one or two working adults, with or without children, must earn to pay for basic living expenses. Living wage numbers are expressed as an hourly rate, and it’s assumed that the person will work full time.

Wages needed to cover basic needs are as follows:

Living Wage for 1 Adult
No children	$21.82
1 child	$36.26
2 children	$44.46
3 children	$56.09

Living Wage for 2 Adults, 1 Working
No children	$30.07
1 child	$35.93
2 children	$39.29
3 children	$45.13

2 Adults, Both Working
No children	$15.04
1 child	$20.49
2 children	$24.63
3 children	$29.56

If you multiply the hourly figure by 40 hours a week and 52 weeks, you’ll get the living wage as an annual salary. For an individual with no kids, that comes out to around $45,386.

That income would pay for rent and utilities, minimal food, healthcare, child care, and other basics. But it’s not enough to cover takeout, restaurant meals, a deluxe apartment, vacations, or savings for retirement or a house. A spending tracker app can help you figure out what you can and can’t afford.

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Average Annual Salary in Texas

So what is a good yearly salary in Texas? According to MIT, the top three professions in Texas pay an average of $119,783, while the three lowest paying fields average out to around $31,333. Most Texans then make somewhere in the middle. However, statewide figures can’t tell you what constitutes a good salary in larger cities like Austin, where the cost of living is much higher.

Another measure of what constitutes a good salary: one that allows you to purchase an average-priced home. The average home price in The Woodlands, one of the most popular suburbs in the country, is around $575,000. A buyer would need to make over $160K to qualify for a mortgage. In the Panhandle or Dallas, however, home prices are considerably lower.

Average Annual Expenses in Texas

When determining a living wage, MIT considers these expenses: food, child care, medical, rental housing, transportation, internet and mobile, civic, and annual taxes (including individual income tax, payroll tax, corporate income tax, and excise tax, but not property tax). By the way, “civic” is a catchall category that includes cultural attractions, hobbies, and pets, while “other” groups together clothing and personal care items.

As noted above, one adult with no children requires a gross income of $45,386 on average. This is how that income might allocated:

•   Food: $3,862

•   Child Care: $0

•   Medical: $3,158

•   Housing: $14,313

•   Transportation: $10,165

•   Civic: $2,589

•   Internet & Mobile: $1,462

•   Other: $3,770

•   Taxes: $6,068

Supporting a family of two working adults and three children requires an income of about $122,972, which breaks down as follows:

•   Food: $13,808

•   Child Care: $24,890

•   Medical: $10,712

•   Housing: $23,614

•   Transportation: $18,915

•   Civic: $7,156

•   Internet & Mobile: $2,044

•   Other: $10,117

•   Taxes: $11,716

To compare your spending to these figures, sign up for a free money tracker app.

How Much Money Do You Need to Live Comfortably in Texas?

Comfort is in the eye of the beholder. Some people want luxuries while others embrace financial minimalism. This is a “less is more” attitude to spending. People who follow this philosophy focus on purchases that will add meaning to their lives.

When determining the income you need to live comfortably, factor in where you fall on the minimalism to luxury spectrum. There’s no “bad” answer; it’s just important to be honest when budgeting. Also, what changes are you willing to make in order to save more? For instance, would you downsize your home?

Texans with a financial minimalist philosophy will be comfortable with less money than someone who strives for luxury. Minimalists often reap the benefits of living below their means, which can make room for having an emergency fund, spending in ways that are better for the planet, and stressing out less about finances.

If you’d like a more structured approach to saving and spending, the 50/30/20 budget can help. The three numbers represent the percentage of income that will be allocated to needs, wants, and savings, respectively.

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Which City in Texas Has the Lowest Cost of Living?

Harlingen (pop. 71,512) has a cost of living that’s 20.8% lower than the national average, according to recent data from the Council for Community and Economic Research. Harlingen is in the Rio Grande Valley, along the southern tip of Texas. Its median home sale price was $280,000 in November 2025.

The Takeaway

What is a good salary in Texas? It depends on your family size, location, and spending habits. Most individuals make between $50,000 and $100,000. You’ll need an income on the higher end of that range if you’re living in Austin, with its high cost of living. In Harlingen, on the other hand, where the cost of living is 20.8% lower than the national average, you can get by on much less. To live comfortably anywhere, it helps to track your spending and saving.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is a livable salary in Texas?

The answer depends on your spending habits, locale, and how many people live in your household. The living wage for a single worker with no children is $45,386 before taxes, which is just enough to cover necessities. Two working adults with two children need a gross income of $102,460 to cover basic needs.

What is considered rich in Texas?

To be considered middle class in Texas, you’ll need to earn between $50,515 and $151,560, according to 2025 data from SmartAsset. In order to move into the upper class, you’ll likely need to earn more than $151,560.

What is the top 1% income in Texas?

You need to earn more than $743,955 per year to be in the top 1% in Texas. This is slightly higher than the national average.

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Photo credit: iStock/gustavofrazao

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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People tend to think of vocational jobs — which require special skills and training, but not necessarily a college degree — as paying less than careers that call for higher education. But there are plenty of vocational jobs, in a wide range of fields, that can provide a competitive paycheck. And those jobs can be both personally rewarding and vital to the economy.

If you aren’t sure college is in your future — because of the cost, the time commitment, or the desire to pursue a skilled job for which you have a passion — read on to learn more about which vocational jobs are among the highest paying.

What Is a Vocational Job?

Vocational occupations generally require using specific skills that may be learned with hands-on training and/or classroom instruction — through an apprenticeship, for example, or at a vocational school or community college.

People may assume vocational jobs are mostly manual labor (think plumbers or machine operators), but that isn’t always the case. Many vocational jobs are done in an office setting, or in a hospital, airport, or school. And increasingly these jobs can require serious technical skills. So even though a vocational job won’t require a degree, workers may have to earn certain licenses or certifications to prove their proficiency, find employment, or advance in their career.

Reasons for Applying for a Vocational Job

If you look up the word “vocation” in the dictionary, you’ll see that it’s sometimes used to describe a strong desire or “calling” to do a certain kind of work. And for workers in many vocational careers — bakers, hair stylists, carpenters, landscapers — the work they do is truly their passion.

But there are other reasons why workers might pursue a vocational job, including:

Eagerness to Enter the Workforce

Because a vocational job doesn’t require a four-year degree, workers can get a head start on life:

•   Get into the labor force faster.

•   Start earning a competitive salary or hourly wage.

•   Begin saving and investing money.

Whatever your salary, you can use online tools that take the guesswork out of tracking your spending.

Avoid Heavy Student Debt

Vocational school costs less than a four-year college, which can mean spending less upfront and graduating with no loans or lower student loan payments.

Follow in Someone’s Footsteps

If the family business is HVAC repair, a bakery, or salon, it might have been a goal since childhood to lean into that legacy.

A Less-Traditional Path

Some extremely successful entrepreneurs, including tech executives like Bill Gates and Mark Zuckerberg, built their empires without earning a college degree. A college education can be a plus, but it isn’t a must for everyone.

Job Security

There likely will always be plumbers, auto mechanics, electricians, and cooks. And those aren’t the only vocational jobs that offer stability and competitive pay. Check out the U.S. Bureau of Labor Statistics’ current list of the “Fastest Growing Occupations,” which projects job growth to 2034. You’ll see wind turbine service technicians, occupational therapy assistants, solar panel installers, and several other vocational careers.

Recommended: The Highest-Paying Jobs in Every State

Pros and Cons of Pursuing a Vocational Job

Besides saving money and time on a four-year degree, there are other positives to pursuing a vocational career. Here are some to consider:

•   Unlike a career that requires a bachelor’s degree or higher, you probably won’t have to spend time studying material unrelated to the job you want.

•   Even while you’re in training, you’ll be making contacts that can help you in your career.

•   Many vocational jobs are stable and in high demand.

But there are some downsides to training for a vocational job:

•   If your education or training is too narrow in scope, you may have to go back to school if you decide to transition to a new job.

•   Your vocational program may not qualify for some types of federal financial aid.

•   Specialized careers often require continuing education to update skills and renew certifications.

Tips for Finding Vocational Jobs

If you think a vocational job might be right for you, here are some steps to consider as you get started:

Find a Mentor

Ask someone who is doing the job you’re interested in how they got started. They may be able to steer you toward a good training program, apprenticeship, or even a job.

Use Connections Made During Training

If you attend a vocational school, you likely will have access to networking events, career fairs, and job placement assistance. (Some programs offer lifetime placement assistance to their graduates.) Apprenticeships, certification courses, and even high school vocational programs may also offer opportunities to connect with potential employers.

Consider Enrolling in Job Corps

Job Corps is a free federal program that offers education, on-the-job training, and career assistance for young adults (ages 16 to 24). Career opportunities are available in a variety of fields, including automotive repair, manufacturing, construction, hospitality, renewable resources, health care, and homeland security.

Check Employment Sites and Job Boards

Many popular job boards include listings for apprenticeships and vocational jobs, as well as information on how to begin your job search.

22 High-Paying Trade Vocational Jobs in 2025

The money you can earn in any vocational job will vary depending on several factors:

•  Education and training

•  Certifications and credentials

•  Experience

•  Job difficulty

•  How much work you’re willing to put in

With that in mind, here are some high-paying vocational jobs to consider in 2025. (Average wages and job growth outlook are from Bureau of Labor Statistics data.)

1. Air Traffic Controller

Median Annual Salary: $147,740

Job Description: Coordinate the safe movement of various aircraft as they arrive and depart the airport.

Duties May Include: Using computers, radar, and visual references to direct air and ground traffic. Monitoring weather conditions. Alerting pilots to potential emergencies.

Entry Level Education Requirements: Associate degree plus training program

Job Outlook: 1% (little or no change)

Getting Started: Air traffic controllers typically earn an associate degree from an Air Traffic Collegiate Training Initiative (AT-CTI) program. Controllers also must meet several Federal Aviation Association (FAA) requirements, complete training at the FAA Academy, and obtain FAA certification.

2. Commercial Pilot

Median Annual Salary: $142,960

Job Description: Pilot a plane or other aircraft for a business, individual, or organization.

Duties May Include: Navigating and flying planes, helicopters, or other aircraft. Managing flight crew and interacting with ground crew. Assisting in maintenance and recordkeeping. Interacting with passengers.

Entry Level Education Requirements: Varies by employer

Job Outlook: 4% (as fast as average)

Getting Started: To get a commercial pilot certificate, applicants must meet federal requirements for age and flight hours. They also must pass a physical exam, including a vision test. And they must earn the FAA-issued certificates and ratings required for their job. For more on commercial pilot requirements, see our guide to paying for flight school.

3. Nuclear Technician

Median Annual Salary: $99,690

Job Description: Assist physicists, engineers, and others doing nuclear research and nuclear energy production.

Duties May Include: Using computers and other equipment to monitor and help operate nuclear reactors.

Entry Level Education Requirements: Associate degree

Job Outlook: 3% (as fast as average)

Getting Started: Many community colleges and technical institutes have associate degree programs in nuclear science, nuclear technology, or related fields. The amount of on-the-job training required to become a nuclear technician varies from one employer to the next and may be based on previous experience and education. Technicians often are expected to update their training throughout their career. Several certification programs are available.

4. Elevator and Escalator Mechanic

Median Annual Salary: $104,860

Job Description: Install and repair elevators, escalators, moving walkways, and related equipment.

Duties May Include: Testing, maintaining, and repairing electrical lines and control systems. Keeping inspection records.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 5% (faster than average)

Getting Started: This work, which is both technical and physical, requires participating in an apprenticeship program through a union, employer, or industry association. In many states, you must be licensed.

5. Radiation Therapist

Median Annual Salary: $110,820

Job Description: Use radiation equipment to treat cancer patients, typically in a hospital, doctor’s office, or outpatient center.

Duties May Include: Explaining treatment plans, treating and monitoring patients, and updating records.

Entry Level Education Requirements: Associate degree

Job Outlook: 2% (slower than average)

Getting Started: Accredited associate degree programs typically offer both classroom and hands-on training. Most states require some type of licensing or certification.

6. Dental Hygienist

Median Annual Salary: $93,890

Job Description: Provide screenings, treatment, and preventive care for oral diseases.

Duties May Include: Taking X-rays, cleaning teeth, advising patients about good oral hygiene, keeping records.

Entry Level Education Requirements: Associate degree

Job Outlook: 7% (much faster than average)

Getting Started: Look for a dental hygiene degree program accredited by the Commission on Dental Accreditation, which should offer both classroom and clinical education. To become certified as a Licensed Dental Hygienist (LDH), you must also pass any state-required licensure exams.

7. MRI Technologist

Median Annual Salary: $91,020

Job Description: MRI technologists produce diagnostic images for patients at health-care facilities.

Duties May Include: Working with physicians and patients to get requested diagnostic images using an MRI scanner.

Entry Level Education Requirements: Associate degree

Job Outlook: 5% (faster than average)

Getting Started: Some states require MRI techs to complete an accredited training program before they can be licensed. Accredited MRI programs typically require applicants to have an associate degree for acceptance. If you’re heading to school with this job in mind, you may want to focus on anatomy, biology, and other health-related courses.

8. Aircraft and Avionics Equipment Mechanics and Technicians

Median Annual Salary: $80,780

Job Description: Mechanics and technicians work in hangars, repair stations, and at airfields, repairing and maintaining aircraft and equipment.

Duties May Include: Diagnosing problems, repairing malfunctioning systems, installing new equipment.

Entry Level Education Requirements: Varies by employer

Job Outlook: 5% (faster than average)

Getting Started: Mechanics and technicians typically attend an FAA-approved aviation school, but some may gain their skills while in the military or on the job. You don’t have to have a degree, but you must be FAA-certified to work on aircraft.

9. Wholesale or Manufacturing Sales Representative

Median Annual Salary: $81,740

Job Description: Sell goods for wholesalers or manufacturers to a variety of businesses and other organizations, including government agencies.

Duties May Include: Working with clients in person and remotely to meet sales quotas and ensure quality customer service. Many sales representatives are given a specific geographical territory to cover.

Entry Level Education Requirements: Can vary depending on what’s being sold. Some products may require more technical knowledge than others

Job Outlook: 1% (slower than average)

Getting Started: Companies may offer a formal training program for sales employees that can include learning about all aspects of the product, from manufacturing to distribution. Certification and continuing education may be required.

10. Occupational Therapy Assistant

Median Annual Salary: $68,540

Job Description: Help patients work on skills needed for daily living and working.

Duties May Include: Working with therapists and patients to regain or improve basic life skills, such as getting up from a bed or chair, and walking. The job requires physical strength, patience, and good communication skills.

Entry Level Education Requirements: Associate degree

Job Outlook: 18% (much faster than average)

Getting Started: Occupational therapy assistants typically must obtain an associate degree from an accredited program that includes both academic study and field work. Most states require licensure.

11. Electrician

Median Annual Salary: $69,630

Job Description: Install, maintain, and repair electrical systems for businesses and homeowners.

Duties May Include: Problem solving when electrical systems aren’t working properly, reading blueprints, laying wire, and connecting fixtures.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 9% (much faster than average)

Getting Started: This job can require both physical and technical ability. Some electricians attend a vocational program and then move on to an apprenticeship. Others may learn their skills in the military, while many go straight to a lengthy (four to five years) apprenticeship. Most states require a license to do this type of work.

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12. Plumber

Median Annual Salary: $69,940

Job Description: Plumbers install, repair, and replace pipes and fixtures in homes and buildings.

Duties May Include: Knowing building codes and mastering everything from new builds to regular maintenance and emergency fixes.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Plumbers typically learn their trade through an apprenticeship or vocational program. Most states have licensing requirements.

13. Civil Engineering Technologist / Technician

Median Annual Salary: $68,450

Job Description: Help plan, design, build, and maintain infrastructure projects, including roads, railroads, bridges, and dams.

Duties May Include: Working in an office and in the field, civil engineering technicians and technologists assist in collecting and analyzing project data, preparing reports, designing projects, and monitoring project progress.

Entry Level Education Requirements: Associate degree

Job Outlook: 2% (slower than average)

Getting Started: Many vocational schools offer classes in engineering, design, computer software, and other areas related to this career. Look for a program that’s been accredited by the Board for Engineering and Technology.

14. Paralegal or Legal Assistant

Median Annual Salary: $66,510

Job Description: Serve as support staff for attorneys.

Duties May Include: Researching cases, typing, communicating with attorneys and clients, organizing files.

Entry Level Education Requirements: Associate degree

Job Outlook: 0% (little or no change)

Getting Started: You may want to start by earning an associate degree in paralegal studies from a program approved by the American Bar Association. Some employers may offer on-the-job training. Though it isn’t required, some paralegal organizations offer paralegal certifications to students who pass an exam.

15. Broadcast, Sound, and Video Technician

Median Annual Salary: $64,220

Job Description: Operate various types of equipment for media programs.

Duties May Include: Setting up and testing electrical equipment. Knowing industry codes and standards. Communicating with clients about their specific needs. Continuing education and certification may be required.

Entry Level Education Requirements: Requirements vary; some employers may require an associate or bachelor’s degree

Job Outlook: 1% (slower than average)

Getting Started: Because this is a technical job utilizing equipment that is constantly changing, it can be useful to enroll in a targeted vocational or community college program. There also are voluntary certification / credentialing programs that can help with advancement.

Recommended: What Is a Good Entry-Level Salary?

16. Auto Service Technician or Mechanic

Median Annual Salary: $55,260

Job Description: Inspect, maintain, and repair cars, trucks, and other vehicles.

Duties May Include: Communicating with customers. Using diagnostic equipment and experience to monitor and troubleshoot a variety of problems. Repairing and replacing car components. Record keeping.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Although it isn’t always required, many auto service technicians and mechanics complete a vocational or associate degree program that includes classroom instruction and hands-on practice. Certificate programs in specific automotive repair categories are also available. Many employers require service technicians to become certified by the National Institute for Automotive Service Excellence.

17. Medical Records Specialist

Median Annual Salary: $55,970

Job Description: Compile and maintain patient files for a doctor’s office, hospital, clinic, etc.

Duties May Include: Managing patient charts and records for billing and other purposes. Preparing billing statements. Requesting information from nurses, doctors, and other sources to keep files updated.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 7% (much faster than average)

Getting Started: Employers may provide on-the-job training for entry-level positions, but advanced training and courses in medical terminology, electronic health records, and medical billing may be needed for more complex duties. Employers may expect candidates to complete one or more certifications.

18. HVAC Installer / Mechanic

Median Annual Salary: $62,690

Job Description: Install and repair heating and air-conditioning systems in homes and buildings.

Duties May Include: Assembling, installing, and fixing HVAC systems.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 8% (much faster than average)

Getting Started: Many HVAC technicians receive instruction from a vocational school or a community college. Programs typically take six months to two years to complete and can lead to certification or an associate degree. Some techs learn their trade through an apprenticeship or years on the job. Some states require technicians to be licensed, and the Environmental Protection Agency requires all who buy, handle, or work with refrigerants to be certified in proper handling.

19. Tractor Trailer Driver

Median Annual Salary: $58,400

Job Description: Long-haul truck drivers transport goods across the country.

Duties May Include: Using GPS and maps to plan a safe and efficient delivery route. Ensuring the tractor trailer is well maintained. Driving routes that require spending several days away from home. Navigating busy highways, backroads, and crowded city streets.

Entry Level Education Requirements: High school diploma or equivalent, plus training course

Job Outlook: 4% (as fast as average)

Getting Started: Long-haul truck drivers must have a commercial driver’s license (CDL), which could require passing a knowledge test and a driving test. Professional driving instruction is required to be a long-haul driver, so you’ll have to sign up with a private truck-driving school or community college program. Drivers must maintain a clean driving record and pass a physical exam every two years. They also must submit to random drug and alcohol testing.

20. Carpenter

Median Annual Salary: $64,040

Job Description: Design, build, install, and repair structures made from wood and other materials.

Duties May Include: Carpenters might do anything from building kitchen cabinets to contributing to major infrastructure projects. They must be able read blueprints, understand building code requirements, and do hands-on construction work.

Entry Level Education Requirements: High school degree or equivalent

Job Outlook: 4% (as fast as average)

Getting Started: Most carpenters learn through an apprenticeship or on-the-job from experienced tradespeople. They may start out in other construction jobs before moving into carpentry. All carpenters are required to pass a safety course administered by the Occupational Safety and Health Administration.

21. Licensed Practical Nurse

Median Annual Salary: $64,150

Job Description: LPNs provide basic medical care for patients under the supervision of physicians and registered nurses.

Duties May Include: Monitoring patient health, providing medical care and comfort, and record-keeping.

Entry Level Education Requirements: High school diploma or equivalent, plus training program

Job Outlook: 3% (as fast as average)

Getting Started: LPNs must finish a state-approved educational program that can take a year or longer to complete, and they must be licensed.

22. Solar Panel Installer

Median Annual Salary: $57,380

Job Description: Solar panel installers (also known as solar photovoltaic installers) assemble and install solar panels on homes and other structures.

Duties May Include: Setting up, troubleshooting, and maintaining solar panels. Connecting panels to the grid.

Entry Level Education Requirements: High school diploma or equivalent

Job Outlook: 42% (much faster than average)

Getting Started: Some solar panel installers attend courses at a community college or vocational school. Others learn through apprenticeships or on-the-job training. Licensing requirements vary by state.

The Takeaway

Vocational jobs can offer a competitive paycheck and an opportunity to use your skills to do something you’re interested in — or even passionate about. Another plus: The upfront education costs and time commitment can be significantly less than for a four-year or advanced degree.

Choosing a career that’s fulfilling, secure, and pays well can be a significant step toward achieving the life you want. Of course, it’s also important to develop healthy financial habits, such as building a budget you can stick to, paying your bills on time, and monitoring your credit score.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

What is the best trade to learn in 2025?

Some of the best-paying and in-demand vocational careers for 2025 are also among the most challenging and fulfilling. They include jobs in transportation, construction, and health care.

What is the highest-paying vocational job?

Air traffic controllers are among the highest paid workers with vocational jobs.

What is the easiest high-paying trade?

Many high-paying vocational jobs require high-level technical skills, good communication skills, and/or physical strength and endurance. What can make any job easier is if the person doing it is good at it and feels fulfilled. Many vocational jobs have the potential to check those boxes.

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Photo credit: iStock/alvarez

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Babies can change a parent’s life in all kinds of wonderful ways. But make no mistake, raising a child doesn’t come cheap. As many new families discover, one of the biggest costs they face is diapers.

Newborns go through as many as 10-12 diaper changes per day, and parents can spend anywhere from $80 to $100 per month just on disposable diapers for one child.

It’s no wonder some parents are looking into cheaper — and potentially more environmentally friendly — alternatives, such as cloth diapers. Here’s more about both types of diapers, the cost of cloth diapers vs. disposable diapers, and what the potential savings could mean for a family’s budget.

What Are Disposable Diapers?

Soft and ultra absorbent, disposable diapers are designed to hold waste products of babies and young children. They were invented in the 1940s and widely adopted in the 1980s, when they became more practical and affordable. Today, some 95% of parents in the U.S. use disposable diapers for their infants.

The three layers of this type of diaper include a soft layer against the baby’s skin, an inner layer made of a super absorbent polymer that holds moisture, and a waterproof outer layer so the diaper doesn’t leak.

How Much Do Disposable Diapers Cost?

As the chart below shows, the cost of disposable diapers can vary widely by brand. Keep in mind that you may pay more or less for your diapers, depending on where you live and shop and whether you decide to buy in bulk.

Diaper brand	Total unit cost	# of diapers	Cost per diaper
The Honest Company	$59.99	160	$0.37
Pampers	$47.99	140	$0.34
Seventh Generation	$34.99	80	$0.43
Huggies	$53.99	198	$0.27
Hello Bello	$70.00	128	$0.55
Mama Bear Gentle Touch from Amazon	$33.14	200	$0.17
Up & Up Diapers from Target	$25.99	168	$0.15
Luvs	$42.48	294	$0.14
Parents Choice from Wal-Mart	$17.48	162	$0.11

Prices as of November 2025

Pros and Cons of Disposable Diapers

As you figure out which type and brand of diaper works best for you and your family, there are some general pros and cons of disposable diapers to keep in mind.

Pros

•   Convenient

•   Less laundry than cloth diapers

•   Highly absorbent

•   Caregivers may be more familiar with using a disposable diaper

Cons

•   Can be expensive

•   Contributes to waste in landfill

•   May contain adhesives, dyes, fragrances, or chemicals, which can irritate baby’s skin

Disposable Diaper Factors to Consider

Price is a big factor, yes. But if you’re thinking about starting a family, there are other considerations to think about when it comes to disposable diapers.

Health and Comfort

One of the most important factors in the disposable vs. cloth diaper debate is finding a solution that keeps you and your baby happy and healthy. If you don’t have the time for extra laundry, for instance, disposable diapers may be the way to go.

Convenience

Disposable diapers are convenient, especially when you’re on the move. Just toss the waste away in the nearest garbage can.

Price

Babies go through a lot of diapers. An infant generally requires up to 12 diaper changes a day for the first year, and a toddler needs around eight. This means parents should expect to purchase around 3,000 diapers per year.

How much of a dent could that put in the household budget? Let’s do the math: Disposable diapers typically cost between $0.22 to $0.33 each, which means new parents should plan on budgeting between $960 to $1,200 per year.

Environment

According to the EPA, disposable diapers account for more than 4.1 million tons of waste each year. Those diapers tend to end up in landfills, and the materials don’t easily degrade. If you’re uncomfortable with that thought, you may want to consider cloth versions. However, keep in mind that they require energy and water to clean.

Recommended: Common Financial Mistakes First-Time Parents Make

What Are Cloth Diapers?

Cloth diapers are made of cloth that’s absorbent, reusable, and washable. They usually have at least two layers, including a waterproof outer layer to keep the diaper from leaking and an inner absorbent layer. There are several different types:

•   Flats: Flat diapers are a flat piece of thick fabric without an absorbent middle that can be folded in a number of ways around the baby. They are secured with safety pins or snaps.

•   Prefolds: Prefolds are rectangular-shaped pieces of fabric with an absorbent middle. They’re secured with safety pins unless snaps are sewed in.

•   Fitted. Fitted diapers are an absorbent cloth diaper that’s fitted with elastic at the legs and waist but does not have a waterproof cover.

•   Pockets. Pocket diapers have a pocket on the inside of the diaper for an absorbent insert as well as an outer waterproof layer.

•   All-in-ones (AIO). AIO diapers have an outer waterproof layer and inner absorbency, but there is no removable insert. AIOs are the cloth diaper equivalent of a disposable diaper since all of the layers are built in.

•   All-in-twos. Like a combination of AIOs and pocket diapers, all-in-two diapers have an insert, but it sits directly on the baby’s skin instead of in a pocket.

•   Hybrid. A hybrid diaper has a disposable insert with a reusable cover. They create more waste and are more expensive than other types of cloth diapers.

How Much Do Cloth Diapers Cost?

There’s typically a large upfront investment in cloth diapers and accessories, such as a wet bag, pail liner, or cloth wipes. Depending on the type of cloth diapering system you use and how much you’re planning to buy, you could end up spending between $300 and $1,000. Flat cloth diapers, for instance, cost around $2 to $4 each. If you’re planning on purchasing a fitted cloth diaper, be prepared to spend more. A typical one costs around $16 to $24 each.

When you’re creating a family budget, it can help to see how much you’re spending on diapers — and everything else. A spending app can help you keep an eye on your finances.

Pros and Cons of Cloth Diapers

The diaper type you choose ultimately comes down to preference and budget. However, there are some benefits and drawbacks you may want to consider as you make your decision.

Pros

•   Reusable

•   May have a smaller environmental footprint

•   Produces less waste

•   Softer fabric and natural fibers that may be more breathable

•   Attractive designs

•   Can help you decrease diapering costs, especially when going from one child to two

Cons

•   Larger upfront cost

•   Inconvenient

•   Requires more laundry

•   Requires more electricity and water

•   Many daycare centers will not accept cloth diapers

Cloth Diaper Factors to Consider

Beyond the cost of disposable diapers vs. cloth, there are other important factors to consider.

Health and Comfort

Cloth diapers are usually made from breathable fabrics, like cotton and hemp, which can feel soft on baby’s skin. Proponents also tout the benefits of the diaper’s natural materials, which generally don’t have artificial materials, such as plastic, absorbent gelling materials, or adhesives.

Convenience

While you can certainly manage a cloth diaper change when you’re on the go, it’s usually not as convenient as a disposable diaper. (You’ll need to carry the soiled diaper in a wet bag until you get home and can drop it in the washing machine.) What’s more, if you’re planning to use daycare, check if the center will accept cloth diapers — many don’t.

Price

Cloth diapers can cost anywhere from $2 to $24 each. If you plan on buying 25 diapers for each size your child will need — newborn, small, medium, and large — then you could spend between $200 and $2,400 on 100 diapers.

Recommended: How Much Does it Cost to Raise a Child to 18?

Environment

Cloth diapers have a different environmental impact than disposable diapers. Instead of piling up in a landfill, a cloth diaper is washed and used over and over again. However, they can use up twice as much water to produce as a disposable diaper. Plus, you’ll need to use electricity and water to launder dirty diapers, which could be an issue if you live in a state that experiences droughts or routinely restricts water or energy usage.

Cost of Cloth Diapers vs Disposable Diapers

Budgeting for a baby? Cloth diapers can require a significant upfront investment of anywhere from $300 and $1,000 — and that’s not including the cost of extras, such as using a diaper laundering service. However, that initial fee may end up being less than the $960 to $1,200 per year many parents spend on disposable diapers.

Reasons to Choose Cloth Diapers vs Disposable Diapers

As with many other parts of parenting, there’s no one-size-fits-all solution when it comes to diapering. However, if cost is a determining factor — and your caregiver or daycare center is on board — cloth diapers may be the way to go. Plus, since this type of diaper is washable and reusable, it means it’s one less item ending up in a landfill.

The Takeaway

Disposable diapers are incredibly popular among parents and for good reason. They’re convenient, highly absorbent, and, compared to cloth diapers, less expensive. On average, parents spend around $960 to $1,200 per year on diapers. And while it’s true that cloth diapers do require a hefty upfront investment of around $300 and $1,000, they may have a smaller environmental footprint. Plus, they’re usually made of fabric that’s softer, breathable, and more natural, which some parents may prefer. All of those factors are important when you’re budgeting for a baby.

That said, diapers are just one line item in the family budget. Whether you’re saving up for their college education or looking for ways to lower monthly bills, using a money tracker app can help you manage your overall spending and saving.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

See exactly how your money comes and goes at a glance.

FAQ

Is it cheaper to use cloth diapers or disposable?

It depends on how much use you get out of your cloth diaper. However, generally speaking, over time, it’s cheaper to use reusable cloth diapers, even when accounting for the cost of electricity and water needed to launder dirty diapers.

What is the average cost of cloth diapers per month?

Cloth diapers have a larger upfront cost but a lower monthly cost. If an initial investment of $500 is spread out over 30 months, for example, the cost comes out to around $17 per month.

How many disposable diapers does one cloth diaper replace?

The average baby uses 8,000 diapers by the time they’re potty trained. And let’s say you invest in 100 cloth diapers, or 25 diapers for each size your child will need until they’re potty trained. This means each cloth diaper could potentially replace up to 80 disposable diapers.

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Photo credit: iStock/FotoDuets

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Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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It’s entirely possible to sell a house with a mortgage. In fact, it’s common to sell a property that still has a mortgage, because most people don’t stay in a home long enough to pay off the home loan.

With the help of your lender and real estate agent, you can move ahead and sell a house with a mortgage. Yes, there’s a bit of paperwork involved, but settling your mortgage at the closing table shouldn’t prove too challenging. Here’s everything you need to know about selling a home with a mortgage.

What Happens to Your Mortgage When You Sell Your Home?

When you sell your home, the amount you contracted with the buyer is put toward your mortgage and settlement costs before any excess funds are wired to you. Here’s how it works for different transaction types.

A Typical Sale

In a typical sale, homeowners will put their current home on the market before buying another one. Assuming the homeowners have more value in their home than what is owed on their mortgage, they can take the proceeds from the sale of the home and apply that money to the purchase of a new home.

A Short Sale

A short sale is one when you cannot sell the home for what you owe on the mortgage and need to ask the lender to cover the difference (or short).

In a short sale transaction, the mortgage lender and servicer must accept the buyer’s offer before an escrow account can be opened for the sale of the property. This type of mortgage relief transaction can be lengthy (up to 120 days) and involves a lot of paperwork. It’s not common in areas where values are falling or at times when the real estate market is dropping.

When You Buy Another House

There are several roads you can take when you buy another house before selling your own. You may have the option of:

•   Holding two mortgages. If your lender approves you for a new mortgage without selling your current home, you may be able to use this option when shopping for a mortgage. However, you won’t be able to use funds from the sale of your current home for the purchase of your next home.

•   Including a home sale contingency in your real estate contract. The home sale contingency states that the purchase of the new home depends upon the sale of the old home. In other words, the contract is not binding unless you find a buyer to purchase the old home. The two transactions are often tied together. When the sale of the old home closes, it can immediately fund the down payment and closing costs of the new home (depending on how much there is, of course). Keep in mind that a home sale contingency can make your offer less competitive in a hot real estate market where sellers are not willing to wait around for a buyer’s home to sell.

•   Getting a bridge loan. A bridge loan is a short-term loan used to fund the costs of obtaining a new home before selling the old home. The interest rates are usually pretty high, but most homebuyers don’t plan to hold the loan for long.

💡 Quick Tip: You deserve a more zen mortgage. Look for a mortgage lender who’s dedicated to closing your loan on time.

Selling a House With a Mortgage: Step by Step

Here are the steps to take to sell a home that still has a mortgage.

Get a Payoff Quote

To determine exactly how much of the mortgage you still owe, you’ll need a payoff quote from your mortgage servicer. This is not the same thing as the balance shown on your last mortgage statement. The payoff amount will include any interest still owed until the day your loan is paid off, as well as any fees you may owe.

The payoff quote will have an expiration date. If the outstanding mortgage balance is paid off before that date, the amount on the payoff quote is valid. If it is paid after, sellers will need to obtain a new payoff quote.

Determine Your Home Equity

Equity is the difference between what your property is worth and what you owe on your mortgage (your payoff quote is most accurate). If your home is worth $400,000 and your payoff amount on the existing mortgage is $250,000, your equity is $150,000.

When you sell your home, you gain access to this equity. Your mortgage, any second mortgage like a home equity loan, and closing costs are settled, and then you are wired the excess amount to use how you like. Many homeowners opt to use part or all of the money as a down payment on their next home.

Secure a Real Estate Agent

A real estate agent can walk you through the process of selling a home with a mortgage and clear up questions on other mortgage basics. Your agent will be particularly valuable if you need to buy a new home before selling your current home.

Set a Price

With your agent, you will look at factors that affect property value, such as comparable sales in your area, to help you set a price. There are different price strategies you can review with your agent to bring in more buyers to bid on your home.

Accept a Bid and Open Escrow

After an open house and showings, you may have an offer (or a handful). Consider what you value in accepting an offer. Do you want a fast close? The highest price? A buyer who is flexible with your moving date? A buyer with mortgage preapproval?

You may also choose to continue negotiating with prospective buyers. Once you’ve selected a buyer and have signed the contract, it’s time to go into escrow.

Review Your Settlement Statement

You’ll be in escrow until the day your transaction closes. An escrow or title agent is the intermediary between you and the buyer until the deal is done. While the loan is being processed, title reports are prepared, inspections are held, and other details to close the deal are being worked out.

Three days before, you’ll see a closing disclosure (if you’re buying a house at the same time) and a settlement statement. The settlement statement outlines fees and charges of the real estate transaction and pinpoints how much money you’ll net by selling your home.

💡 Quick Tip: Generally, the lower your debt-to-income ratio, the better loan terms you’ll be offered. One way to improve your ratio is to increase your income (hello, side hustle!). Another way is to consolidate your debt and lower your monthly debt payments.

Selling a House With a Negative Equity

Negative equity means that the value of an asset (such as a home) is less than the balance due on the loan against it. Say you purchased a property for $400,000 with a $380,000 loan, but then the real estate market took a nosedive. Your property is now worth $350,000, less than the amount of the mortgage.

If you have negative equity in the home and need to sell it, it is possible to sell if you come up with the difference yourself.

In this scenario (an alternative to a short sale), you pay the difference between the amount left on your mortgage note and the purchase offer at closing. So in the example above, if you sold the house for $350,000, at the closing, you would need to pay the loan holder an additional $30,000 to clear the debt.

The Takeaway

Selling a house with a mortgage is common. The buyer pays the sales price, and that money is used to pay off your remaining mortgage, your closing costs, and any second mortgage. The rest is your profit to spend however you like — perhaps on a new house.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Who is responsible for the mortgage on the house during the sale?

The homeowner is responsible for continuing to pay the mortgage until paperwork is signed on closing day.

What happens if you sell a house with a HELOC?

When you sell a home that is used to secure a home equity line of credit with a balance, a home equity loan, or any other kind of lien against the house, that will need to be paid off before the remaining equity is paid out to you.

What happens to escrow money when you sell your house?

Your mortgage escrow account will be closed, and any money left will be refunded to you.

Can I make a profit on a house I still owe on?

Yes. You can make a profit if the amount you sell your house for is greater than the amount you owe on it, less closing and settlement costs.

Can I have two mortgages at once?

Yes, you can have two mortgages at once if the lender approves it.

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Photo credit: iStock/Beton studio

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