If you are planning to attain higher education in USA , then there are a lot of aspects that must be considered. Owing to the high cost of living in USA, it is important to choose a city where living expenses suit your budget. Cost of living in the following American cities is lower than the general US standards. Richmond Indiana Bordering the state of Ohio, Richmond is home to about 37,000 people. The cost of living in Richmond is about 21% below the average national cost of living in America. Students can easily find good and economical accommodation in Richmond at a monthly rent as low as $800. The housing cost in Richmond is 39% below the average national residential cost. McAllen, Texas With a population of around 1,42,212, McAllen is located in Southern Texas, The cost of living index in McAllen is about 24% less than the National average with a median monthly rent of around $1300. The housing cost in McAllen is almost 40% less than the national average.