Cost of Living in Hamilton County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Hamilton County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Hamilton County ranks #1,866 of 3,144 counties for affordability (bottom 41%)
Data Story
About Cost of Living in Hamilton County, Texas
Hamilton County rents are a bargain
At 18.4%, Hamilton County's rent-to-income ratio sits just above the Texas state average of 18.1%, but significantly below the national average of about 30%. Renters here spend roughly one-fifth of their income on housing, making it more affordable than most of the country.
Middle of the pack in Texas
Hamilton County ranks in the affordable-to-moderate range among Texas's 254 counties, with housing costs reasonable but not exceptional. The median rent of $847 runs $116 cheaper than the state average, reflecting the county's rural character.
Cheaper than Harrison, pricier than Hardeman
Hamilton County's $847 median rent sits between neighboring Harrison County at $977 and Hardeman County at $688. Buyers will find median home values here at $124,800, a sweet spot between these nearby counties.
Where does the income go?
With a median household income of $55,339, Hamilton County residents spend roughly 18.4% on rent or 16% on mortgage payments. This leaves most households with manageable housing costs and room for other expenses.
Consider Hamilton for stability
If you're weighing rural Texas counties, Hamilton offers solid affordability without extreme isolation—rent is lower than state average and homeownership is accessible at under $125,000 median value. Compare these numbers to neighboring counties to find your best fit.
Cost of Living Advisory: Hamilton County
Affordability Verdict
Hamilton County is affordable for renters, with a median gross rent of $847/month representing approximately 18.4% of median household income. The rent burden (GRAPI) stands at 29.0%.
Rent vs. Own
The median rent in Hamilton County is $847/month, while owner costs run $736/month. Owning saves approximately $111/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,880/year. For owner costs at the 28% rule, the required income is roughly $31,543/year. With a median household income of $55,339, most households can comfortably afford rent here. Notably, 29.0% of renter households in Hamilton County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Gray County where rent averages $898/month, Hamilton County is approximately 6% less expensive.
Affordability Calculator
See how your income compares to housing costs in Hamilton County
Rent Burden
18.4%
of gross income
Max Housing (28% Rule)
$1,291
per month
Owner Cost Burden
16.0%
of gross income
You can likely afford the median home in Hamilton County
Median home value is $124,800. Estimated monthly cost: $996 vs. your max of $1,291.
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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