Cost of Living in Stephens County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Stephens County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Stephens County ranks #2,757 of 3,144 counties for affordability (bottom 12%)
Data Story
About Cost of Living in Stephens County, Texas
Stephens slightly below national benchmark
Stephens County's rent-to-income ratio of 17.6% sits just below national affordability norms, with renters spending about one-sixth of their $54,695 income on housing. The county's median household income lags the national average by $20,060.
Solid affordability for Texas
Stephens's 17.6% rent-to-income ratio beats Texas's 18.1% state average, placing it slightly above the state norm for affordability. Median rent of $802 sits notably below the state average of $963.
Mid-range among comparison counties
Stephens renters pay $802 monthly—more than Stonewall's bargain $620 but less than Smith's $1,197. At $54,695, median income falls between lower-income counties and the more affluent Somervell and Sherman.
Balanced housing and income
Stephens renters dedicate 17.6% of their $54,695 income to housing, maintaining reasonable affordability margins. Homeowners spend $761 monthly on ownership costs—about 16.7% of median income—with homes valued at $105,700.
Moderate means, moderate costs
Stephens County delivers stable affordability: modest rents paired with modest incomes create balanced housing economics. Relocators seeking rural Texas without extreme affordability pressure will find Stephens a sensible option.
Cost of Living Advisory: Stephens County
Affordability Verdict
Stephens County is affordable for renters, with a median gross rent of $802/month representing approximately 17.6% of median household income. The rent burden (GRAPI) stands at 26.0%.
Rent vs. Own
Renters in Stephens County pay $802/month on average, compared to $761/month for homeowners. This market favors buyers by about 5%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $32,080/year. For owner costs at the 28% rule, the required income is roughly $32,614/year. With a median household income of $54,695, most households can comfortably afford rent here. Notably, 26.0% of renter households in Stephens County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Stephens County sits 7% more expensive than Mason County ($751/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Stephens County
Rent Burden
17.6%
of gross income
Max Housing (28% Rule)
$1,276
per month
Owner Cost Burden
16.7%
of gross income
You can likely afford the median home in Stephens County
Median home value is $105,700. Estimated monthly cost: $844 vs. your max of $1,276.
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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