Housing decision brief
Hemphill County, TX Housing Market
Hemphill County screens as a higher purchase price, rent that needs comparison, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
192nd lowest home value out of 250 Texas counties with data | 131st lowest rent out of 246
Median home value
$214,900
Purchase-price signal from Census ACS.
Median rent
$946/mo
Gross rent, including utilities where reported.
Monthly owner cost
$865/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.0x
Median home value divided by local household income.
Rent burden
32.0%
At or above the 30% burden threshold.
Rent vs own
$81/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Owning screens cheaper than renting
Median owner costs are $81/mo below median rent before individual mortgage terms.
Low disaster-risk signal
Risk score is 83.5 out of 100, a stronger cross-check for long-term ownership costs.
What to Check
Tax rate needs attention
1.16% effective property-tax rate is 16% above Texas county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
- Households weighing ownership against renting
- Long-term owners who care about disaster-risk exposure
Poor Fit For
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Hemphill County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $214,900 | $158,050 | $281,900 | 36% pressure36% above Texas county median |
Median gross rent Lower usually helps affordability. | $946 | $928 | $1,163 | Near state median2% above Texas county median |
Monthly owner cost Lower usually helps affordability. | $865 | $753 | $1,672 | 15% pressure15% above Texas county median |
Median household income | $72,052 | $63,367 | $74,755 | 14% favorable14% above Texas county median |
Effective property-tax rate Lower usually helps affordability. | 1.16% | 1.00% | 1.02% | 16% pressure16% above Texas county median |
Rent burden Lower usually helps affordability. | 32.00% | 28.00% | N/A | 14% pressure32.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$34,212
Median income minus rent threshold.
Owner cushion
+$34,981
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
For renters in Hemphill County, the market is affordable. Expect to pay around $946/month in gross rent, with 32.0% of renter households considered cost-burdened.
Rent vs own
The median rent in Hemphill County is $946/month, while owner costs run $865/month. Owning saves approximately $81/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,840/year. For owner costs at the 28% rule, the required income is roughly $37,071/year. With a median household income of $72,052, most households can comfortably afford rent here. Notably, 32.0% of renter households in Hemphill County are cost-burdened, spending more than 30% of income on housing.
Regional context
Hemphill County sits 5% less expensive than Atascosa County ($997/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Franklin County, TX | $213,200 | $948/mo | Same-state comparison near $213,200 home value and $948/mo rent. |
| Fannin County, TX | $213,500 | $994/mo | Same-state comparison near $213,500 home value and $994/mo rent. |
| Rains County, TX | $214,900 | $895/mo | Same-state comparison near $214,900 home value and $895/mo rent. |
| Grimes County, TX | $226,600 | $985/mo | Same-state comparison near $226,600 home value and $985/mo rent. |
| Lampasas County, TX | $236,000 | $961/mo | Same-state comparison near $236,000 home value and $961/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Hemphill County
Is Hemphill County affordable for buying a home?
Is renting or owning cheaper in Hemphill County?
How much income do you need for housing in Hemphill County?
What should I double-check before moving to Hemphill County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.