Cost of Living in Upshur County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Upshur County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Upshur County ranks #2,484 of 3,144 counties for affordability (bottom 21%)
Data Story
About Cost of Living in Upshur County, Texas
Upshur County keeps rent reasonable
Upshur County's 19.4% rent-to-income ratio sits just above Texas's state average (18.1%) and slightly below the national average (20%), offering balanced affordability for renters. With median household income of $62,794 and rent of $1,015, the county balances moderate earnings with manageable housing costs.
Better than average across Texas
Upshur County ranks among Texas's more affordable counties, with a rent-to-income ratio just 1.3 percentage points above the state average and rent running 5% above Texas's median. The county offers solid affordability relative to other Texas regions.
Moderately priced East Texas option
Upshur's $1,015 rent exceeds rural peers Trinity ($823) and Upton ($689) but stays well below Tom Green ($1,125) and far below Travis ($1,669). Its $171,200 median home value similarly positions it in the affordable middle tier among these eight counties.
Balanced housing burden in Upshur
Upshur renters pay $1,015 monthly while homeowners carry $868—both consuming roughly one-fifth of the county's $62,794 median income. This alignment between costs and earnings creates sustainable housing economics for both renter and owner households.
Upshur offers reliable affordability
Upshur County delivers solid housing affordability without sacrificing Texas's rural character, making it attractive for relocators seeking balance. If your expected salary aligns with or exceeds the $62,794 median, Upshur's moderate rents and home prices support stable long-term housing.
Cost of Living Advisory: Upshur County
Affordability Verdict
For renters in Upshur County, the market is affordable. Expect to pay around $1,015/month in gross rent, with 26.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Upshur County is $1,015/month, while owner costs run $868/month. Owning saves approximately $147/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $40,600/year. For owner costs at the 28% rule, the required income is roughly $37,200/year. With a median household income of $62,794, most households can comfortably afford rent here. Notably, 26.0% of renter households in Upshur County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Lampasas County where rent averages $961/month, Upshur County is approximately 6% more expensive.
Affordability Calculator
See how your income compares to housing costs in Upshur County
Rent Burden
19.4%
of gross income
Max Housing (28% Rule)
$1,465
per month
Owner Cost Burden
16.6%
of gross income
You can likely afford the median home in Upshur County
Median home value is $171,200. Estimated monthly cost: $1,367 vs. your max of $1,465.
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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