Cost of Living in Navarro County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Navarro County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Navarro County ranks #3,057 of 3,144 counties for affordability (bottom 3%)
Data Story
About Cost of Living in Navarro County, Texas
Navarro renters face affordability headwinds
Navarro County renters spend 21.0% of income on housing, exceeding the Texas average of 18.1% and signaling affordability challenges. The $59,310 median household income falls below the national average, squeezing housing affordability for working families.
Above-average cost burden in Texas
Navarro County's 21.0% rent-to-income ratio ranks above the state average, placing it among Texas counties where housing costs create real financial pressure. The median home value of $159,900 remains modest but less accessible given lower household incomes.
Navarro's higher rents strain budgets
Navarro County's $1,039 median rent is the region's highest, exceeding Morris County ($824) and nearly matching Montgomery County ($1,471), yet its $59,310 median income is substantially lower than most peers. This mismatch creates the second-highest rent burden in the region.
Navarro's housing cost squeeze
Renters dedicate $1,039 monthly while homeowners pay $911 against a $59,310 median household income, consuming one-fifth or more of budgets. This tight allocation limits financial flexibility for emergency savings and other essential expenses.
Navarro demands strong job prospects
Navarro County's 21.0% rent-to-income ratio signals affordability constraints; consider relocation here only with documented employment offers above the county median. If your current housing burden exceeds 20%, Navarro likely won't improve your situation without significant income growth.
Cost of Living Advisory: Navarro County
Affordability Verdict
Navarro County is affordable for renters, with a median gross rent of $1,039/month representing approximately 21.0% of median household income. The rent burden (GRAPI) stands at 28.0%.
Rent vs. Own
The median rent in Navarro County is $1,039/month, while owner costs run $911/month. Owning saves approximately $128/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $41,560/year. For owner costs at the 28% rule, the required income is roughly $39,043/year. With a median household income of $59,310, most households can comfortably afford rent here. Notably, 28.0% of renter households in Navarro County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Reeves County where rent averages $988/month, Navarro County is approximately 5% more expensive.
Affordability Calculator
See how your income compares to housing costs in Navarro County
Rent Burden
21.0%
of gross income
Max Housing (28% Rule)
$1,384
per month
Owner Cost Burden
18.4%
of gross income
You can likely afford the median home in Navarro County
Median home value is $159,900. Estimated monthly cost: $1,277 vs. your max of $1,384.
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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