Texas · Census, HUD and BEA figures · Updated

Cost of Living in Hill County, TX

Prices around Hill County, TX run 2.9% below the U.S. average (BEA, Texas). The typical household there earns $64,591 a year, and HUD puts a two-bedroom at $1,023 a month. Keeping that rent under 30% of income takes about $40,920 a year.

Hill County, TX at a glance

Median household income

$64,591$5,383 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,023HUD FY2026 Fair Market Rent
Price level (U.S. = 100)97.1-2.9% · BEA, Texas
Electricity15.9¢per kWh · EIA Residential TX
Population37,328Census ACS 5-year estimate

How much rent can you afford in Hill County, TX?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,023Monthly market rent
Share of gross income19%Recommended max: 30%
Annual income needed$40,920To meet the 30% standard
Max affordable rent$1,615At 30% of $64,591
0%30% (Affordability standard)100%
Compare against:

How much is rent in Hill County, TX? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Hill County, TX, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Hill County, TX, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$705$8,460$28,20013.1%
1-Bedroom Apartment$802$9,624$32,08014.9%
2-Bedroom ApartmentBenchmark$1,023$12,276$40,92019%
3-Bedroom Home$1,397$16,764$55,88026%
4-Bedroom Home$1,716$20,592$68,64031.9%

Rent in Hill County, TX, with the wage each unit needs →

What a typical income covers in Hill County, TX

The 50/30/20 rule applied to the local median of $64,591 a year ($5,383 a month before tax).

Needs (50%)$2,691/moRent ($1,023 2-BR), utilities (~$143/mo), groceries, transit
Wants (30%)$1,615/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,077/moEmergency fund, retirement, paying down loans

What $64,591 leaves after Texas taxes

Federal income tax, Social Security, Medicare and Texas tax on the local median income. Change the salary to see yours.

$64,591
$25,000$130,000
Filing status:
Gross salary breakdown$64,591
Net 84%
Fed 9%
FICA 8%
Annual take-home$54,079After all taxes
Monthly deposit$4,507Estimated per month
Biweekly paycheck$2,080Every 2 weeks (26/yr)
Effective tax rate16.3%Total tax burden
Federal income tax$5,571 / yr
Texas state income taxNo state wage tax$0
FICA (Social Security & Medicare)$4,941 / yr

Living in Hill County, TX: common questions

What is the median household income in Hill County, TX?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Hill County, TX is $64,591 per year (approximately $5,383 per month).

What is the average rent in Hill County, TX?

The closest official figure is HUD's Fair Market Rent for 2026: $705 for a studio, $802 for one bedroom, $1,023 for two, $1,397 for three and $1,716 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 Hill 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 Hill County, TX?

To keep a $1,023 two-bedroom under 30% of gross income, a household needs about $40,920 a year, or $3,410 a month. That is 63% of what the typical household in Hill County, TX earns.

How much do you need to live comfortably in Hill County, TX?

On the local median income of $64,591 ($5,383 a month before tax), the 50/30/20 rule leaves $2,691 a month for needs like rent, utilities and groceries, $1,615 for everything else and $1,077 for savings or debt. A two-bedroom at $1,023 takes 38% of the needs share.

How much is the electric bill in Hill 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.