Texas · Census, HUD and BEA figures · Updated

Cost of Living in Montague County, TX

Prices around Montague County, TX run 2.9% below the U.S. average (BEA, Texas). The typical household there earns $64,545 a year, and HUD puts a two-bedroom at $1,055 a month. Keeping that rent under 30% of income takes about $42,200 a year.

Montague County, TX at a glance

Median household income

$64,545$5,379 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,055HUD FY2026 Fair Market Rent
Price level (U.S. = 100)97.1-2.9% · BEA, Texas
Electricity15.9¢per kWh · EIA Residential TX
Population21,046Census ACS 5-year estimate

How much rent can you afford in Montague 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$1,055Monthly market rent
Share of gross income19.6%Recommended max: 30%
Annual income needed$42,200To meet the 30% standard
Max affordable rent$1,614At 30% of $64,545
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in Montague County, TX, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$820$9,840$32,80015.2%
1-Bedroom Apartment$856$10,272$34,24015.9%
2-Bedroom ApartmentBenchmark$1,055$12,660$42,20019.6%
3-Bedroom Home$1,467$17,604$58,68027.3%
4-Bedroom Home$1,552$18,624$62,08028.9%

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

What a typical income covers in Montague County, TX

The 50/30/20 rule applied to the local median of $64,545 a year ($5,379 a month before tax).

Needs (50%)$2,689/moRent ($1,055 2-BR), utilities (~$143/mo), groceries, transit
Wants (30%)$1,614/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,076/moEmergency fund, retirement, paying down loans

What $64,545 leaves after Texas taxes

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

$64,545
$25,000$130,000
Filing status:
Gross salary breakdown$64,545
Net 84%
Fed 9%
FICA 8%
Annual take-home$54,042After all taxes
Monthly deposit$4,503Estimated per month
Biweekly paycheck$2,079Every 2 weeks (26/yr)
Effective tax rate16.3%Total tax burden
Federal income tax$5,565 / yr
Texas state income taxNo state wage tax$0
FICA (Social Security & Medicare)$4,938 / yr

Living in Montague County, TX: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Montague County, TX is $64,545 per year (approximately $5,379 per month).

What is the average rent in Montague County, TX?

The closest official figure is HUD's Fair Market Rent for 2026: $820 for a studio, $856 for one bedroom, $1,055 for two, $1,467 for three and $1,552 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 Montague 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 Montague County, TX?

To keep a $1,055 two-bedroom under 30% of gross income, a household needs about $42,200 a year, or $3,517 a month. That is 65% of what the typical household in Montague County, TX earns.

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

On the local median income of $64,545 ($5,379 a month before tax), the 50/30/20 rule leaves $2,689 a month for needs like rent, utilities and groceries, $1,614 for everything else and $1,076 for savings or debt. A two-bedroom at $1,055 takes 39% of the needs share.

How much is the electric bill in Montague 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.