Cost of Living in Madison County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Madison County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Madison County ranks #1,523 of 3,142 counties for affordability (top 48%)
Sourced county brief
Madison County Renter Median Income Reaches 49,224 Dollars
The median renter-household income in Madison County was $49,224, according to the 2020-2024 ACS 5-Year Estimates. The median gross rent for the county was estimated at $851 per month, which is below the Texas unweighted county mean of $995. The official Gross Rent as a Percentage of Household Income (GRAPI), found in ACS table B25071, was 22.1%. This percentage is 4.8 percentage points lower than the state unweighted county mean official GRAPI of 26.9%. For homeowners, the median home value was $176,200, compared to the state unweighted county mean of $185,237. Median selected monthly owner costs were $846, while the Texas unweighted county mean for this metric was $877. These data points provide a statistical overview of the county's housing costs and income levels at a single point in time. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Madison County
Affordability Verdict
ACS B25071 estimates median gross rent at 22.1% of renter household income in Madison County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $851 per month; median selected monthly owner costs are $846. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $34,040 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Texas unweighted mean of county median rents is $995 per month. Madison County's $851 median is 14.5% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Madison County
Rent Burden
13.7%
of gross income
Max Housing (28% Rule)
$1,741
per month
Owner Cost Burden
13.6%
of gross income
You can likely afford the median home in Madison County
Median home value is $176,200. Estimated monthly cost: $1,407 vs. your max of $1,741.
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 (2020-2024). Data is informational only and is not personalized financial advice.
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