Housing decision brief
Wharton County, TX Housing Market
Wharton 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.
164th lowest home value out of 250 Texas counties with data | 151st lowest rent out of 246
Median home value
$182,700
Purchase-price signal from Census ACS.
Median rent
$986/mo
Gross rent, including utilities where reported.
Monthly owner cost
$892/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.8x
Median home value divided by local household income.
Rent burden
27.0%
Below 30% usually screens as less pressured.
Rent vs own
$94/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
27.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $94/mo below median rent before individual mortgage terms.
What to Check
Tax rate needs attention
1.50% effective property-tax rate is 50% above Texas county median
Water quality cross-check
Water quality grade is D. Review water data before treating housing cost as the full story.
Health context
Health score is 18.5 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.
Best Fit For
- Buyers comparing homes to local incomes
- Households weighing ownership against renting
Poor Fit For
- Buyers focused only on purchase price and ignoring annual property tax
- Buyers who will not investigate local water systems before moving
- 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 Wharton 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. | $182,700 | $158,050 | $281,900 | 16% pressure16% above Texas county median |
Median gross rent Lower usually helps affordability. | $986 | $928 | $1,163 | 6% pressure6% above Texas county median |
Monthly owner cost Lower usually helps affordability. | $892 | $753 | $1,672 | 18% pressure18% above Texas county median |
Median household income | $66,100 | $63,367 | $74,755 | Near state median4% above Texas county median |
Effective property-tax rate Lower usually helps affordability. | 1.50% | 1.00% | 1.02% | 50% pressure50% above Texas county median |
Rent burden Lower usually helps affordability. | 27.00% | 28.00% | N/A | Near state median27.00% 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
+$26,660
Median income minus rent threshold.
Owner cushion
+$27,871
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Wharton County offers affordable rental housing at a median of $986/month , about 17.9% of the typical household income here.
Rent vs own
Renters in Wharton County pay $986/month on average, compared to $892/month for homeowners. This market favors buyers by about 10%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $39,440/year. For owner costs at the 28% rule, the required income is roughly $38,229/year. With a median household income of $66,100, most households can comfortably afford rent here. Notably, 27.0% of renter households in Wharton County are cost-burdened, spending more than 30% of income on housing.
Regional context
Wharton County sits 6% more expensive than Childress County ($934/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 |
|---|---|---|---|
| Harrison County, TX | $178,200 | $977/mo | Same-state comparison near $178,200 home value and $977/mo rent. |
| Jack County, TX | $174,800 | $968/mo | Same-state comparison near $174,800 home value and $968/mo rent. |
| Armstrong County, TX | $185,700 | $1,010/mo | Same-state comparison near $185,700 home value and $1,010/mo rent. |
| Henderson County, TX | $189,600 | $978/mo | Same-state comparison near $189,600 home value and $978/mo rent. |
| Webb County, TX | $178,900 | $997/mo | Same-state comparison near $178,900 home value and $997/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Wharton County
Is Wharton County affordable for buying a home?
Is renting or owning cheaper in Wharton County?
How much income do you need for housing in Wharton County?
What should I double-check before moving to Wharton County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.