Cost of Living in Montgomery County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Montgomery County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Montgomery County ranks #3,075 of 3,144 counties for affordability (bottom 2%)
Data Story
About Cost of Living in Montgomery County, Texas
Montgomery outpaces national affordability
Montgomery County renters spend 18.1% of income on housing, matching the Texas average but beating the nation's affordability challenges. With a median household income of $97,266—30% above the U.S. average of $74,755—residents here have stronger financial cushion than most Americans facing housing costs.
Middle ground in Texas housing markets
Montgomery's rent-to-income ratio of 18.1% puts it right at the Texas state average, neither among the most nor least affordable counties in the state. The median home value of $317,500 reflects its proximity to the Houston metro area and suburban growth patterns.
Higher costs, higher incomes nearby
Montgomery County's median rent of $1,471 significantly exceeds neighboring Moore County ($894) and Morris County ($824), though its median household income of $97,266 is substantially higher than all regional peers. Renters here pay roughly 50% more monthly but earn considerably more, reflecting the county's more affluent demographic profile.
Montgomery's housing budget breakdown
Renters allocate $1,471 monthly while homeowners pay $1,652, leaving substantial income for other necessities given the $97,266 median household income. Housing consumes less than one-fifth of Montgomery household budgets, well within the affordability comfort zone.
Considering a move to Montgomery?
Montgomery offers strong affordability for higher-income households seeking suburban Houston proximity without extreme cost burdens. Compare these numbers against your current location: if you're paying more than 18% of income toward housing, Montgomery's market may offer relief—but confirm local job opportunities match your income expectations first.
Cost of Living Advisory: Montgomery County
Affordability Verdict
Montgomery County offers affordable rental housing at a median of $1,471/month — about 18.1% of the typical household income here.
Rent vs. Own
Renters in Montgomery County pay $1,471/month on average, compared to $1,652/month for homeowners. This market favors renters by about 11%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $58,840/year. For owner costs at the 28% rule, the required income is roughly $70,800/year. With a median household income of $97,266, most households can comfortably afford rent here. Notably, 28.0% of renter households in Montgomery County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Montgomery County sits 4% more expensive than Hays County ($1,417/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Montgomery County
Rent Burden
18.1%
of gross income
Max Housing (28% Rule)
$2,270
per month
Owner Cost Burden
20.4%
of gross income
The median home in Montgomery County may be a stretch
Median home value is $317,500. Estimated monthly cost: $2,535 vs. your max of $2,270.
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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