Gaines County, TX at a glance
Median household income
$74,132$6,178 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Gaines County, TX?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Gaines County, TX? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Gaines County, TX, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $756 | $9,072 | $30,240 | 12.2% |
| 1-Bedroom Apartment | $832 | $9,984 | $33,280 | 13.5% |
| 2-Bedroom ApartmentBenchmark | $973 | $11,676 | $38,920 | 15.8% |
| 3-Bedroom Home | $1,167 | $14,004 | $46,680 | 18.9% |
| 4-Bedroom Home | $1,432 | $17,184 | $57,280 | 23.2% |
What a typical income covers in Gaines County, TX
The 50/30/20 rule applied to the local median of $74,132 a year ($6,178 a month before tax).
What $74,132 leaves after Texas taxes
Federal income tax, Social Security, Medicare and Texas tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Texas
Living in Gaines County, TX: common questions
What is the median household income in Gaines County, TX?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Gaines County, TX is $74,132 per year (approximately $6,178 per month).
What is the average rent in Gaines County, TX?
The closest official figure is HUD's Fair Market Rent for 2026: $756 for a studio, $832 for one bedroom, $973 for two, $1,167 for three and $1,432 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Gaines County, TX expensive to live in?
Prices there run 2.9% below the U.S. average. BEA's regional price parity for Texas is 97.1, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Gaines County, TX?
To keep a $973 two-bedroom under 30% of gross income, a household needs about $38,920 a year, or $3,243 a month. That is 53% of what the typical household in Gaines County, TX earns.
How much do you need to live comfortably in Gaines County, TX?
On the local median income of $74,132 ($6,178 a month before tax), the 50/30/20 rule leaves $3,089 a month for needs like rent, utilities and groceries, $1,853 for everything else and $1,236 for savings or debt. A two-bedroom at $973 takes 32% of the needs share.
How much is the electric bill in Gaines County, TX?
Homes in Texas paid 15.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $143. Your bill depends mostly on heating and cooling.