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Texas

Cost of living in Baylor County, TX

Estimated monthly cost
$2,458/mo
for a single person, all categories combined

Population 3,464 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $713 29%
Healthcare $480 20%
Federal tax $357 15%
Groceries $334 14%
Transport $320 13%
Energy $199 8%
Water $55 2%
State tax $0 0%

Rent in Baylor County

Fair Market Rents by bedroom count.

Studio
$708
per month
1 bedroom
$713
per month
2 bedroom
$933
per month
3 bedroom
$1,307
per month
4 bedroom
$1,395
per month

Source: HUD FMR FY2025

Income and earnings in Baylor County

Annual earnings figures from the Census ACS.

Household income
$42,313
per year
Individual earnings
$31,907
per year
Per capita
$28,579
per year

Source: ACS 2019-2023 5-Year.

Home values in Baylor County

Average values reported by homeowners.

Average home value
$93,300
Annual property tax
$1,163

Source: ACS 2019-2023 5-Year

Energy costs in Baylor County

Estimated monthly electricity and gas costs.

Electricity
$167
per month · 14.5¢/kWh
Natural gas
$32
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Baylor County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
21.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Baylor County

State and local tax rates for Texas.

No state income tax
Texas does not levy a personal income tax.
State sales tax
6.3%
Combined sales tax
8.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Baylor County

Commute patterns and estimated costs.

Average commute
15.6 min
Drive alone
84.0%
Public transit
0.0%
Work from home
3.7%

Source: ACS

Monthly cost estimates for Baylor County

What it costs to live in Baylor County each month.

Single person
$2,458
per month
  • Rent $713
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $357
  • State tax $0
Couple
$3,453
per month
  • Rent $933
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $379
  • State tax $0
Family
$5,969
per month
  • Rent $1,307
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $379
  • State tax $0

Frequently asked questions about Baylor County

Common questions about cost of living, rent and salary.

What is the average rent in Baylor County?

In Baylor County, TX, a one-bedroom apartment averages $713 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,307 per month, according to HUD Fair Market Rent data.

What is the average salary in Baylor County?

In Baylor County, TX, the average household income is $42,313 per year and individual earnings for full-time workers average $31,907 per year, according to U.S. Census Bureau data.

What is the cost of living in Baylor County?

The estimated cost of living in Baylor County, TX is approximately $2,458 per month for a single person, $3,453 for a couple, $5,969 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Baylor County?

The combined sales tax rate in Baylor County, TX is 8.19%, which includes the Texas state rate of 6.25% plus an average local rate of 1.94%.

Is Baylor County an affordable place to live?

Based on the data, a single person in Baylor County, TX would need approximately $2,458 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $42,313 per year ($3,526 per month). Baylor County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Baylor County?

The ACA marketplace benchmark premium in Baylor County, TX is approximately $480 per month for an individual. Approximately 21.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Baylor County?

The average home value in Baylor County, TX is $93,300, with average annual property taxes of $1,163, according to U.S. Census Bureau data.

How does Baylor County compare to other areas?

You can compare Baylor County, TX with any other US county using our comparison tool at /compare. Baylor County is in Texas.

Other counties in Texas

Browse the full list of counties in Texas, ranked by cost of living.

See all counties in Texas

Compare Baylor County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources