Cost of Living in Hemphill County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Hemphill County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Hemphill County ranks #1,260 of 3,144 counties for affordability (top 40%)
Data Story
About Cost of Living in Hemphill County, Texas
Hemphill punches above affordability weight
With a 15.8% rent-to-income ratio, Hemphill County renters enjoy one of Texas's better affordability stories, beating the national norm. Despite median income of $72,052—below the national $74,755—low rents keep housing accessible here.
Texas's most affordable rental county
Hemphill's 15.8% rent-to-income ratio ranks among the best in Texas, well below the state's 18.1% average. At just $946 monthly rent—nearly $20 cheaper than the Texas median—this rural Panhandle county offers genuine affordability.
The budget champion of the region
Hemphill's $946 rent is the lowest among this group, undercut only by Hockley County's $813. Homeowners face similarly gentle costs at $865 monthly, making this one of Texas's true affordability havens.
Housing claims just 23% of income
Combined rent and owner costs total roughly $1,811 monthly—about 30% of the $72,052 median income. Renters alone allocate only 15.8% of their paychecks to housing, well within the 30% affordability guideline.
Affordability seekers should explore Hemphill
If you're priced out of urban Texas, Hemphill offers ranch-land living with modest $946 rents and $214,900 median home prices. Factor in lower incomes here, but the math favors anyone seeking genuine housing affordability in the Panhandle.
Cost of Living Advisory: Hemphill County
Affordability Verdict
For renters in Hemphill County, the market is affordable. Expect to pay around $946/month in gross rent, with 32.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Hemphill County is $946/month, while owner costs run $865/month. Owning saves approximately $81/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,840/year. For owner costs at the 28% rule, the required income is roughly $37,071/year. With a median household income of $72,052, most households can comfortably afford rent here. Notably, 32.0% of renter households in Hemphill County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Hemphill County sits 5% less expensive than Atascosa County ($997/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Hemphill County
Rent Burden
15.8%
of gross income
Max Housing (28% Rule)
$1,681
per month
Owner Cost Burden
14.4%
of gross income
The median home in Hemphill County may be a stretch
Median home value is $214,900. Estimated monthly cost: $1,716 vs. your max of $1,681.
Rent Affordability Guide
Income Needed Calculator
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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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