Housing decision brief
Reagan County, TX Housing Market
Reagan County screens as a higher purchase price, below-state rent, 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.
139th lowest home value out of 250 Texas counties with data | 59th lowest rent out of 246
Median home value
$163,700
Purchase-price signal from Census ACS.
Median rent
$806/mo
Gross rent, including utilities where reported.
Monthly owner cost
$874/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.3x
Median home value divided by local household income.
Rent burden
21.0%
Below 30% usually screens as less pressured.
Rent vs own
$68/mo
Median rent screens below owner cost.
Data confidence
2 notes
Home-value estimate has a $50,984 ACS margin of error.
What Works
Lower rent
$806/mo is 13% below Texas county median
Rent burden below pressure line
21.00% of renter income goes to rent, below the 30% burden threshold.
Low disaster-risk signal
Risk score is 94.1 out of 100, a stronger cross-check for long-term ownership costs.
What to Check
Tax rate needs attention
1.11% effective property-tax rate is 11% above Texas county median
Health context
Health score is 20.8 out of 100, so affordability should be weighed against local health indicators.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Wide home-value margin
The ACS margin of error on home value is $50,984, so exact rankings should be read as directional.
Best Fit For
- Buyers comparing homes to local incomes
- Renters trying to keep rent below the burden threshold
- 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 Reagan 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. | $163,700 | $158,050 | $281,900 | Near state median4% above Texas county median |
Median gross rent Lower usually helps affordability. | $806 | $928 | $1,163 | 13% favorable13% below Texas county median |
Monthly owner cost Lower usually helps affordability. | $874 | $753 | $1,672 | 16% pressure16% above Texas county median |
Median household income | $70,288 | $63,367 | $74,755 | 11% favorable11% above Texas county median |
Effective property-tax rate Lower usually helps affordability. | 1.11% | 1.00% | 1.02% | 11% pressure11% above Texas county median |
Rent burden Lower usually helps affordability. | 21.00% | 28.00% | N/A | 25% favorable21.00% 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
+$38,048
Median income minus rent threshold.
Owner cushion
+$32,831
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 Reagan County, the market is affordable. Expect to pay around $806/month in gross rent, with 21.0% of renter households considered cost-burdened.
Rent vs own
At $806/month rent versus $874/month in owner costs, renting is roughly $68/month cheaper , a 8% difference.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $32,240/year. For owner costs at the 28% rule, the required income is roughly $37,457/year. With a median household income of $70,288, most households can comfortably afford rent here. Notably, 21.0% of renter households in Reagan County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Texas, Reagan County is less affordable than Delta County by roughly 6% ($806/mo vs $857/mo).
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 |
|---|---|---|---|
| Clay County, TX | $161,300 | $825/mo | Same-state comparison near $161,300 home value and $825/mo rent. |
| Kimble County, TX | $173,100 | $795/mo | Same-state comparison near $173,100 home value and $795/mo rent. |
| Archer County, TX | $175,300 | $766/mo | Same-state comparison near $175,300 home value and $766/mo rent. |
| Robertson County, TX | $172,700 | $773/mo | Same-state comparison near $172,700 home value and $773/mo rent. |
| Young County, TX | $165,300 | $849/mo | Same-state comparison near $165,300 home value and $849/mo rent. |
Data Confidence
- Home-value estimate has a $50,984 ACS margin of error.
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Reagan County
Is Reagan County affordable for buying a home?
Is renting or owning cheaper in Reagan County?
How much income do you need for housing in Reagan County?
What should I double-check before moving to Reagan County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.