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
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.
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
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.