Cost of Living in McCulloch County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How McCulloch County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
McCulloch County ranks #2,540 of 3,144 counties for affordability (bottom 19%)
Data Story
About Cost of Living in McCulloch County, Texas
McCulloch rents squeeze modest incomes
McCulloch County renters spend 19.4% of their income on housing—above the Texas state average of 18.1%—while earning $51,919, well below the national median. The $838 median rent is moderate, but the county's limited income base creates genuine affordability strain.
Below-average affordability statewide
McCulloch County's 19.4% rent-to-income ratio ranks in the lower-affordability half of Texas counties, signaling moderate but persistent housing cost challenges. The county's below-average incomes are the primary driver of this affordability pressure.
Mid-range rents on limited incomes
McCulloch's $838 median rent falls between Madison County ($832) and Marion County ($854), but the income base of $51,919 is among the lowest in the region. Homeownership carries lower relative costs, with a median monthly payment of $716 and an affordable median home value of $104,400—the cheapest homes among its peers.
Housing claims nearly one-fifth of income
A typical McCulloch household earning $51,919 annually devotes roughly $1,005 to housing, consuming 23% of gross income. Homeowners shoulder similar burdens, with $716 monthly costs representing 16% of income, making both renting and buying challenging for lower-wage workers.
McCulloch offers cheapest homes, tight budgets
If buying, McCulloch's $104,400 median home value is the region's most affordable, though your budget will still feel tight at 16% of income. Renters should compare McCulloch's 19.4% rent-to-income ratio against Madison County (14.9%) to understand the true cost difference.
Cost of Living Advisory: McCulloch County
Affordability Verdict
Housing in McCulloch County is affordable. The median rent is $838/month against a median household income of $51,919, putting rent at 19.4% of income.
Rent vs. Own
At $838/month rent versus $716/month in owner costs, owning is roughly $122/month cheaper — a 15% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,520/year. For owner costs at the 28% rule, the required income is roughly $30,686/year. With a median household income of $51,919, most households can comfortably afford rent here. Notably, 25.0% of renter households in McCulloch County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Texas, McCulloch County is less affordable than Moore County by roughly 6% ($838/mo vs $894/mo).
Affordability Calculator
See how your income compares to housing costs in McCulloch County
Rent Burden
19.4%
of gross income
Max Housing (28% Rule)
$1,211
per month
Owner Cost Burden
16.5%
of gross income
You can likely afford the median home in McCulloch County
Median home value is $104,400. Estimated monthly cost: $833 vs. your max of $1,211.
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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