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
The portfolio you need to retire in Fort Worth at each lifestyle level, based on the 4% safe withdrawal rate.
| Lifestyle | FIRE Number | 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
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
Enter your portfolio on the homepage to see Monte Carlo retirement confidence for Fort Worth.
Important notes on retirement confidence
A 90% confidence level is widely considered a strong retirement plan โ it means your portfolio survived in 9 out of 10 historically-modeled scenarios. A 95% or higher rate is extremely conservative. Reaching 100% is nearly impossible in any Monte Carlo model, because there will always be a few extreme worst-case market sequences that deplete any portfolio.
Early retirees may need portfolios to last 40-50+ years. The 4% rule was originally validated for 30-year retirements. Consider a more conservative withdrawal rate (3-3.5%) for very early retirement.
Healthcare, Visa & City Overview
CST (UTC-6)
USD
English
65ยฐF / 18ยฐC
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 65ยฐF / 18ยฐC.
How safe is Fort Worth for retirees?
Moderate โ typical large US city
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