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)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Rains County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Rains County ranks #2,086 of 3,142 counties for affordability (bottom 34%)
Sourced county brief
Rains County median home value is 241,100 dollars
The median home value in Rains County was $241,100, which is $55,863 higher than the Texas unweighted county mean of $185,237. For renters, the official Gross Rent as a Percentage of Household Income (GRAPI) was 29.1%. This canonical figure is 2.2 percentage points above the Texas unweighted county mean of 26.9%. The median gross rent was recorded at $989 per month, slightly lower than the state unweighted county mean of $995. Median selected monthly owner costs for all owner-occupied units were $950, while the state unweighted county mean was $877. The median income for renter households was estimated at $43,521. This data brief provides a reproducible snapshot of housing expenses as estimated by the U.S. Census Bureau ACS for 2020-2024. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Rains County
Affordability Verdict
ACS B25071 estimates median gross rent at 29.1% of renter household income in Rains County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $989 per month; median selected monthly owner costs are $950. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $39,560 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Texas unweighted mean of county median rents is $995 per month. Rains County's $989 median is 0.6% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Rains County
Rent Burden
18.1%
of gross income
Max Housing (28% Rule)
$1,526
per month
Owner Cost Burden
17.4%
of gross income
The median home in Rains County may be a stretch
Median home value is $241,100. Estimated monthly cost: $1,925 vs. your max of $1,526.
Rent Affordability Guide
Income Needed Calculator
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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 (2020-2024). Data is informational only and is not personalized financial advice.
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