Cost of Living in Howard County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Howard County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Howard County, Texas
Howard County beats national affordability
Howard County's 16.7% rent-to-income ratio outperforms the national benchmark, making it one of Texas's more affordable housing markets despite modest wages. With median household income of $71,457—just 5% below the national average—residents enjoy better housing affordability than most of the country.
Best affordability in Texas comparison
At 16.7%, Howard County's rent-to-income ratio ranks well below Texas's state average of 18.1%, signaling genuine housing relief for renters. The median rent of $993 sits just 3% above the state average, making it a reasonably priced option in the Texas housing market.
Howard leads adjacent counties
Howard County's 16.7% affordability ratio outpaces Hunt County (20.3%), Irion County (21.2%), and Houston County (19.2%), positioning it as the most renter-friendly option in the region. Only Hutchinson County (15.6%) offers better affordability, but with significantly lower median income.
Howard County housing costs explained
Renters pay $993 monthly while homeowners carry $850, creating a compact $143 gap that favors ownership for those with downpayment ability. Against median income of $71,457 annually, housing absorbs just 16.7%—leaving substantial income for savings, healthcare, and quality of life.
Howard County: solid middle ground
If affordability and income stability matter equally, Howard County deserves your attention with its below-state-average housing burden and $150,300 median home value. Test whether your current monthly housing costs exceed $993 rent or $850 ownership—if so, a move could free up meaningful income each year.
Affordability Calculator
See how your income compares to housing costs in Howard County
Rent Burden
16.7%
of gross income
Max Housing (28% Rule)
$1,667
per month
Owner Cost Burden
14.3%
of gross income
You can likely afford the median home in Howard County
Median home value is $150,300. Estimated monthly cost: $1,200 vs. your max of $1,667.
Rent Affordability Guide
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.