Cost of Living in Somervell County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Somervell County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Somervell County ranks #1,726 of 3,144 counties for affordability (bottom 45%)
Data Story
About Cost of Living in Somervell County, Texas
Somervell achieves rare affordability
Somervell County's rent-to-income ratio of 13.3% ranks among the nation's most affordable, with renters spending just one-eighth of their $83,382 median income on housing. The county significantly exceeds national income levels while maintaining below-average rental burdens.
Standout affordability in Texas
Somervell's 13.3% rent-to-income ratio is the strongest among profiled counties and well below Texas's 18.1% average. At $927 monthly rent, the county offers reasonable housing costs aligned with strong household incomes of $83,382.
Best-paid renters with modest costs
Somervell renters earn $83,382—the highest in this group—while paying $927 monthly, less than Smith County's $1,197 and comparable to Sherman's $881. This income-to-cost ratio makes Somervell the region's affordability leader.
Housing takes smallest income share
Somervell renters dedicate only 13.3% of income to housing, leaving substantial resources for other expenses and savings. Homeowners invest $856 monthly in ownership costs—12.3% of median income—while homes value at $253,600.
Affluent and genuinely affordable
Somervell County presents an uncommon combination: the highest median income in this group paired with the lowest housing burden. Professionals relocating here enjoy strong earning power without the affordability squeeze typical of higher-income areas.
Cost of Living Advisory: Somervell County
Affordability Verdict
Housing in Somervell County is affordable. The median rent is $927/month against a median household income of $83,382, putting rent at 13.3% of income.
Rent vs. Own
The median rent in Somervell County is $927/month, while owner costs run $856/month. Owning saves approximately $71/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,080/year. For owner costs at the 28% rule, the required income is roughly $36,686/year. With a median household income of $83,382, most households can comfortably afford rent here. Notably, 26.0% of renter households in Somervell County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Henderson County where rent averages $978/month, Somervell County is approximately 5% less expensive.
Affordability Calculator
See how your income compares to housing costs in Somervell County
Rent Burden
13.3%
of gross income
Max Housing (28% Rule)
$1,946
per month
Owner Cost Burden
12.3%
of gross income
The median home in Somervell County may be a stretch
Median home value is $253,600. Estimated monthly cost: $2,025 vs. your max of $1,946.
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 (2019-2023) — Informational only. Not financial or legal advice.
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