Cost of Living in Hartley County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Hartley County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Hartley County ranks #1,822 of 3,144 counties for affordability (bottom 42%)
Data Story
About Cost of Living in Hartley County, Texas
Hartley County punches above income level
Hartley County's 14.9% rent-to-income ratio beats the Texas state average of 18.1% and the national average of roughly 30%, despite having the highest median household income in our comparison at $82,122. Renters here enjoy strong affordability with robust earning power.
Top affordability with top income
Hartley County ranks in the most affordable tier of Texas counties while simultaneously offering one of the strongest median household incomes statewide at $82,122. This is a rare combination of high earnings and low housing burden.
Premium income, moderate housing
Hartley County's $82,122 median income is significantly higher than comparison counties, while its $1,023 median rent and $213,200 home values remain reasonable. The strong income-to-housing ratio gives residents maximum financial flexibility.
Best income-to-housing ratio
Hartley County residents earn $82,122 median income while spending just 14.9% on rent or 14.9% on mortgage payments. This leaves roughly 70% of income available for taxes, savings, healthcare, and quality of life investments.
Hartley: prosperity meets affordability
Hartley County offers a unique combination—the highest incomes among our counties with among the lowest housing burden rates. If you're relocating for a strong job or have flexible income, Hartley delivers real wealth-building potential.
Cost of Living Advisory: Hartley County
Affordability Verdict
For renters in Hartley County, the market is affordable. Expect to pay around $1,023/month in gross rent, with 22.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Hartley County is $1,023/month, while owner costs run $1,020/month. Owning saves approximately $3/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $40,920/year. For owner costs at the 28% rule, the required income is roughly $43,714/year. With a median household income of $82,122, most households can comfortably afford rent here. Notably, 22.0% of renter households in Hartley County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Dallam County where rent averages $1,074/month, Hartley County is approximately 5% less expensive.
Affordability Calculator
See how your income compares to housing costs in Hartley County
Rent Burden
14.9%
of gross income
Max Housing (28% Rule)
$1,916
per month
Owner Cost Burden
14.9%
of gross income
You can likely afford the median home in Hartley County
Median home value is $213,200. Estimated monthly cost: $1,702 vs. your max of $1,916.
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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