Cost of Living in Hardeman County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Hardeman County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Hardeman County ranks #849 of 3,144 counties for affordability (top 27%)
Data Story
About Cost of Living in Hardeman County, Texas
Hardeman County: Texas's housing bargain
Hardeman County's 13.5% rent-to-income ratio beats the Texas state average of 18.1% and drastically undercuts the national average near 30%. Renters here enjoy some of the cheapest housing costs in the nation relative to income.
Elite affordability in Texas
Hardeman County ranks in the top tier of Texas's 254 counties for housing affordability, with a median rent of just $688—the lowest among our comparison group. This reflects a genuinely affordable rural market.
The cheapest rents in the cluster
Hardeman County's $688 median rent is the lowest among neighboring counties, with only Hamilton County at $847 coming close. Median home values of just $76,500 make homeownership an option for nearly any family.
Housing barely dents your budget
With a median household income of $61,179, Hardeman residents spend just 13.5% on rent or roughly 14.3% on mortgage payments. This leaves the majority of income available for food, healthcare, education, and savings.
Hardeman is the ultimate bargain
For families prioritizing affordability above all else, Hardeman County offers rock-bottom housing costs—median rent under $700 and homes under $77,000. This west Texas county is ideal for those seeking maximum income flexibility.
Cost of Living Advisory: Hardeman County
Affordability Verdict
Hardeman County is affordable for renters, with a median gross rent of $688/month representing approximately 13.5% of median household income. The rent burden (GRAPI) stands at 20.0%.
Rent vs. Own
At $688/month rent versus $726/month in owner costs, renting is roughly $38/month cheaper — a 5% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $27,520/year. For owner costs at the 28% rule, the required income is roughly $31,114/year. With a median household income of $61,179, most households can comfortably afford rent here. Notably, 20.0% of renter households in Hardeman County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Texas, Hardeman County is more affordable than Crosby County by roughly 8% ($688/mo vs $637/mo).
Affordability Calculator
See how your income compares to housing costs in Hardeman County
Rent Burden
13.5%
of gross income
Max Housing (28% Rule)
$1,428
per month
Owner Cost Burden
14.2%
of gross income
You can likely afford the median home in Hardeman County
Median home value is $76,500. Estimated monthly cost: $611 vs. your max of $1,428.
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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