Cost of Living in Henderson County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Henderson County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Henderson County ranks #2,635 of 3,144 counties for affordability (bottom 16%)
Data Story
About Cost of Living in Henderson County, Texas
Henderson balances tight income with modest rents
Henderson County's 18.4% rent-to-income ratio sits slightly above national norms, and income here ($63,955) trails the national median ($74,755) by 14%. The trade-off: rents are among Texas's most reasonable at $978 monthly.
Right in line with Texas affordability
Henderson's 18.4% rent-to-income ratio nearly mirrors Texas's 18.1% state average, positioning it squarely in the middle of the state's housing spectrum. Rents at $978 monthly are just 1.5% above the state median, reflecting East Texas's stable rural economy.
Competitive with Hopkins, cheaper than Hays
Henderson's $978 rent is comparable to Hopkins County ($1,038) and Hill County ($929), but far below Hays ($1,417). Homeowners here pay $809 monthly—among the lowest in this group and well below Hays's $1,787.
Housing costs $1,787 of $63,955 income
Renters spend 18.4% of the median $63,955 income on rent alone, while homeowners allocate 12.7% to mortgage costs. Combined, housing consumes roughly 31% of household income—manageable, though leaving less room for other expenses.
East Texas offers rural stability
Henderson appeals to those seeking affordable small-town life: $189,600 homes and $978 rents without Texas's booming-city price tags. Just note that median income here is notably lower, so prioritize jobs or retirement income before relocating.
Cost of Living Advisory: Henderson County
Affordability Verdict
Housing in Henderson County is affordable. The median rent is $978/month against a median household income of $63,955, putting rent at 18.4% of income.
Rent vs. Own
At $978/month rent versus $809/month in owner costs, owning is roughly $169/month cheaper — a 17% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $39,120/year. For owner costs at the 28% rule, the required income is roughly $34,671/year. With a median household income of $63,955, most households can comfortably afford rent here. Notably, 30.0% of renter households in Henderson County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Texas, Henderson County is more affordable than Somervell County by roughly 6% ($978/mo vs $927/mo).
Affordability Calculator
See how your income compares to housing costs in Henderson County
Rent Burden
18.4%
of gross income
Max Housing (28% Rule)
$1,492
per month
Owner Cost Burden
15.2%
of gross income
The median home in Henderson County may be a stretch
Median home value is $189,600. Estimated monthly cost: $1,514 vs. your max of $1,492.
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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