Texas · Census, HUD and BEA figures · Updated

Cost of Living in Terrell County, TX

Prices around Terrell County, TX run 2.9% below the U.S. average (BEA, Texas). The typical household there earns $44,886 a year, and HUD puts a two-bedroom at $1,015 a month. Keeping that rent under 30% of income takes about $40,600 a year.

Terrell County, TX at a glance

Median household income

$44,886$3,741 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,015HUD FY2026 Fair Market Rent
Price level (U.S. = 100)97.1-2.9% · BEA, Texas
Electricity15.9¢per kWh · EIA Residential TX
Population835Census ACS 5-year estimate

How much rent can you afford in Terrell 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$1,015Monthly market rent
Share of gross income27.1%Recommended max: 30%
Annual income needed$40,600To meet the 30% standard
Max affordable rent$1,122At 30% of $44,886
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in Terrell County, TX, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$789$9,468$31,56021.1%
1-Bedroom Apartment$811$9,732$32,44021.7%
2-Bedroom ApartmentBenchmark$1,015$12,180$40,60027.1%
3-Bedroom Home$1,321$15,852$52,84035.3%
4-Bedroom Home$1,493$17,916$59,72039.9%

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

What a typical income covers in Terrell County, TX

The 50/30/20 rule applied to the local median of $44,886 a year ($3,741 a month before tax).

Needs (50%)$1,870/moRent ($1,015 2-BR), utilities (~$143/mo), groceries, transit
Wants (30%)$1,122/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$748/moEmergency fund, retirement, paying down loans

What $44,886 leaves after Texas taxes

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

$44,886
$15,000$90,000
Filing status:
Gross salary breakdown$44,886
Net 85%
Fed 7%
FICA 8%
Annual take-home$38,246After all taxes
Monthly deposit$3,187Estimated per month
Biweekly paycheck$1,471Every 2 weeks (26/yr)
Effective tax rate14.8%Total tax burden
Federal income tax$3,206 / yr
Texas state income taxNo state wage tax$0
FICA (Social Security & Medicare)$3,434 / yr

Living in Terrell County, TX: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Terrell County, TX is $44,886 per year (approximately $3,741 per month).

What is the average rent in Terrell County, TX?

The closest official figure is HUD's Fair Market Rent for 2026: $789 for a studio, $811 for one bedroom, $1,015 for two, $1,321 for three and $1,493 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 Terrell 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 Terrell County, TX?

To keep a $1,015 two-bedroom under 30% of gross income, a household needs about $40,600 a year, or $3,383 a month. That is 90% of what the typical household in Terrell County, TX earns.

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

On the local median income of $44,886 ($3,741 a month before tax), the 50/30/20 rule leaves $1,870 a month for needs like rent, utilities and groceries, $1,122 for everything else and $748 for savings or debt. A two-bedroom at $1,015 takes 54% of the needs share.

How much is the electric bill in Terrell 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.