Cost of Living in Delta County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Delta County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Delta County ranks #1,865 of 3,144 counties for affordability (bottom 41%)
Data Story
About Cost of Living in Delta County, Texas
Delta County: Texas's most affordable
Delta County boasts a rent-to-income ratio of just 16.4%—among the nation's lowest and significantly better than the national norm. With a median household income of $62,855 and median rent of just $857, this North Texas county delivers genuine affordability.
State leader in housing affordability
Delta County ranks as one of Texas's most affordable counties with a 16.4% rent-to-income ratio, well below the state average of 18.1%. Its median rent of $857 and median income of $62,855 create a favorable balance rarely found in competitive state markets.
Rural advantage over urban peers
Delta County's $857 median rent and 16.4% affordability ratio dramatically outpace Dallas County ($1,469 rent, 23.8% ratio) and even edge out most other rural Texas counties. The county's median home value of $149,400 sits between affordable Dawson ($90,800) and pricier urban markets.
Renters and owners both win here
Delta County renters spend $857 monthly while homeowners pay $907—both among Texas's lowest figures. On a median income of $62,855, housing consumes just 16.4% for renters and roughly 17% for owners, providing substantial buffer for other expenses.
Delta County: affordability destination
If maximum housing security on modest income drives your move, Delta County delivers: 16.4% rent-to-income ratio and sub-$900 monthly rents. You'll sacrifice proximity to major metros but gain the state's most favorable cost-of-living ratio.
Cost of Living Advisory: Delta County
Affordability Verdict
Housing in Delta County is affordable. The median rent is $857/month against a median household income of $62,855, putting rent at 16.4% of income.
Rent vs. Own
The median rent in Delta County is $857/month, while owner costs run $907/month. Renting saves approximately $50/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $34,280/year. For owner costs at the 28% rule, the required income is roughly $38,871/year. With a median household income of $62,855, most households can comfortably afford rent here. Notably, 30.0% of renter households in Delta County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Reagan County where rent averages $806/month, Delta County is approximately 6% more expensive.
Affordability Calculator
See how your income compares to housing costs in Delta County
Rent Burden
16.4%
of gross income
Max Housing (28% Rule)
$1,467
per month
Owner Cost Burden
17.3%
of gross income
You can likely afford the median home in Delta County
Median home value is $149,400. Estimated monthly cost: $1,193 vs. your max of $1,467.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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