FIRE Number for Fort Worth, United States
United States
Cowtown Culture, No State Income Tax, and Genuine Texas Affordability
Fort Worth delivers authentic Texas culture with significantly more affordability than its neighbor Dallas. The Stockyards, world-class museums along the Cultural District, and a revitalized downtown with craft breweries and live music make it far more than a cowboy town. With zero state income tax and housing costs well below the national average, Fort Worth is one of the most practical FIRE destinations in America for those who want big-city amenities without the big-city price tag.
Lean FIRE, FIRE, and Fat FIRE for Fort Worth
Needed to retire here is the portfolio that, in a historical backtest, would have lasted your retirement at your chosen confidence and length. Status is the verdict for your portfolio. The 4% rule benchmark is shown underneath each figure for reference only.
Enter your real monthly healthcare cost and we'll use it across all lifestyle tiers — handy for VA/TriCare (enter 0) or when your ACA cost differs from our estimate.
| Lifestyle | Needed to retire here | Monthly Cost |
|---|---|---|
| Lean FIRE | $1.09M | $3,650/mo |
| FIRE | $1.86M | $6,200/mo |
| Fat FIRE | $4.65M | $15,500/mo |
Cost of Living Breakdown for Fort Worth
All cost and FIRE figures assume a single adult.
Lean FIRE Lifestyle
$1.09MA one-bedroom in Near Southside, Fairmount, or Arlington Heights runs about $1,200, and you cook at home most nights with BBQ or Tex-Mex out a couple of times a week. The Stockyards cattle drives and the Kimbell Art Museum's permanent collection are free. No state income tax helps, but summer A/C bills are a meaningful expense. Overall a manageable budget with some breathing room.
FIRE Lifestyle
$1.86MA three-bedroom home in Rivercrest or Westover Hills, regular dinners at restaurants like Grace and Lonesome Dove, and premium TCU and Rangers tickets. A late-model truck or luxury SUV handles daily life. This is a genuinely affluent life by Fort Worth standards, with no state income tax and affordable housing leaving substantial room for travel and saving.
Fat FIRE Lifestyle
$4.65MA large Rivercrest estate or a ranch property outside the city, full-time domestic help including a housekeeper and property manager, and a cook who comes in several times a week. First-class travel, premium suite tickets at AT&T Stadium, concierge healthcare, and multiple vehicles are all covered. No state income tax and Fort Worth's moderate costs mean this budget provides very comfortable, well-staffed living with large margins.
Retirement Confidence
The 4% rule is a great starting point. Here we go a step further and test your plan against real market history.
Enter your portfolio on the homepage to backtest a retirement in Fort Worth against market history.
Backtest detail
How this is calculated
This is a real historical backtest. We run your plan through every retirement-length window in US market history (1871–2022): a 75% stock / 25% bond portfolio, rebalanced annually, with withdrawals raised each year for that period's actual inflation. The success rate is the share of those historical start years in which the money lasted the full length without running out.
Your confidence level sets the bar: at Balanced (90%), a survival rate of 90% or more reads "You can retire here", within 10 points below is "Close — worth a closer look", and lower is "Not quite yet". The same level sizes the "Needed to retire here" target. Retirement length also drives it — early retirees planning 40–50+ years see lower survival than the 30-year baseline.
Healthcare, Visa & City Overview
CST (UTC-6)
USD
English
65°F / 18°C
200+ Mbps average
Dallas/Fort Worth International Airport (DFW)
Frequently Asked Questions About Retiring in Fort Worth
What is the FIRE Number for Fort Worth, United States?
The FIRE Number for Fort Worth ranges from $1.09M (Lean FIRE lifestyle) to $4.65M (Fat FIRE lifestyle). A FIRE retirement requires a portfolio of approximately $1.86M, based on estimated monthly costs of $6,200 and a 4% safe withdrawal rate.
How much does it cost to retire in Fort Worth?
Monthly living costs in Fort Worth range from $3,650 (Lean FIRE) to $6,200 (FIRE), covering housing, dining, groceries, healthcare, transportation, entertainment, and utilities.
What is healthcare like in Fort Worth for retirees?
Healthcare in Fort Worth costs approximately $700 to $725/month depending on coverage level. ACA marketplace Silver plan; Texas has no state exchange so costs run higher.
What is the weather like in Fort Worth?
Subtropical with hot summers and mild winters The average temperature is 65°F / 18°C.
How safe is Fort Worth for retirees?
Moderate – typical large US city
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