Cost of Living in Rains County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Rains County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Rains County ranks #1,777 of 3,144 counties for affordability (bottom 43%)
Data Story
About Cost of Living in Rains County, Texas
Rains offers balanced affordability
Rains County's 16.6% rent-to-income ratio is the lowest among these eight counties and sits well below the Texas average of 18.1%. With median income at $64,874 and median rent at $895, renters here enjoy comfortable affordability compared to both state and national benchmarks.
Top-tier affordability across Texas
Rains County ranks among Texas's most affordable counties for renters, balancing reasonable housing costs with solid household incomes. This combination positions Rains as an attractive option for those seeking affordability without sacrificing economic opportunity.
Most affordable option in comparison
At $895 monthly rent and 16.6% rent-to-income ratio, Rains County offers the best overall affordability balance among this eight-county set. The median home value of $214,900 reflects strong property values while maintaining reasonable monthly carrying costs.
Owning and renting nearly equal here
Renters pay $895 monthly while homeowners pay $887—the narrowest monthly gap in this comparison—suggesting strong equity-building potential. With median income at $64,874 and median home value at $214,900, ownership remains within realistic reach for working families.
Rains County rewards the patient buyer
If affordability matters and you're considering relocation, Rains County delivers the best combination of low rent burden and strong home values among these eight counties. Explore Rains first—its 16.6% rent-to-income ratio leaves more room in your budget than nearly all alternatives listed here.
Cost of Living Advisory: Rains County
Affordability Verdict
Housing in Rains County is affordable. The median rent is $895/month against a median household income of $64,874, putting rent at 16.6% of income.
Rent vs. Own
Renters in Rains County pay $895/month on average, compared to $887/month for homeowners. This market favors buyers by about 1%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $35,800/year. For owner costs at the 28% rule, the required income is roughly $38,014/year. With a median household income of $64,874, most households can comfortably afford rent here. Notably, 26.0% of renter households in Rains County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Freestone County where rent averages $844/month, Rains County is approximately 6% more expensive.
Affordability Calculator
See how your income compares to housing costs in Rains County
Rent Burden
16.6%
of gross income
Max Housing (28% Rule)
$1,514
per month
Owner Cost Burden
16.4%
of gross income
The median home in Rains County may be a stretch
Median home value is $214,900. Estimated monthly cost: $1,716 vs. your max of $1,514.
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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