Fort Worth vs Spokane for Veterans (2026)
Scroll down for VA loan estimates, military pension tax details, and FAQ.
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Estimated annual swing
+$96/yr
Favoring Fort Worth for this income & household (illustrative).
With an extra $8/mo in Fort Worth, you could max a Roth IRA contribution faster and still grow your savings buffer.
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Veterans cost breakdown
| Metric | Fort Worth Texas | Spokane Washington | Your impact |
|---|---|---|---|
| 1BR rent / month | $1,400Better | $1,400 | — |
| Median home price | $310KBetter | $330K | — |
| State income tax on pension | NoneBetter | None | — |
| Sales tax | 8.3%Better | 9% | — |
| Monthly utilities | $180 | $115Better | $780/yr saves in Spokane |
| Military retire pay rent burden | 48%Better | 48% | — |
| Walk score | 28 / 100 | 46 / 100Better | — |
| Overall COL index | 91Better | 91 | — |
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Frequently asked questions
Which city is better for veterans — Fort Worth or Spokane?
For veterans, Fort Worth is the stronger choice based on tax burden on military pension, home affordability with VA loans, and walkability. Fort Worth has no state income tax on military pensions, which is a significant advantage.
Is military retirement pay taxed in Fort Worth and Spokane?
As of 2026, Texas does not tax military retirement pay. Washington does not tax military retirement pay. This is important because federal law does not tax VA disability compensation, but military pension IS subject to state income tax in most states. The difference on a $35K pension is roughly $0/month — or $0/year.
Can a veteran afford to buy a home in Fort Worth with a VA loan?
VA loans require no down payment, making homeownership more accessible for veterans. A VA loan on a $310K home in Fort Worth would run approximately $2,062/month at a 7% rate — that's 71% of the average military retirement take-home of $2,917/month. That's a stretch on military retirement pay alone — supplemental income or VA disability pay would help.
How far does VA disability pay go in Fort Worth vs Spokane?
VA disability compensation is tax-exempt at the federal level, and most states also exempt it. Compare the COL indexes to understand relative purchasing power in each city.
Which city is more walkable and accessible for veterans with disabilities?
Spokane has a higher walk score (46 vs 28), meaning more daily errands, medical appointments, and services are accessible on foot or via transit. High walkability reduces car dependence — particularly valuable for veterans with mobility limitations or vision impairments. Walk scores above 70 are considered "very walkable."
A $35,000/year military pension in Fort Worth has the same purchasing power as $35K/year in Spokane based on relative cost of living indexes.
Military retirement pay estimate based on 20-year E-7 equivalent (~$35,000/year). VA disability figures based on 2026 VA rating tables. State tax treatment of military pensions varies; verify your state's specific rules. Data: VA, Tax Foundation, Zillow, BLS · Q1 2026