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Gainesville, TX

Cost of living in Cooke County, TX

Estimated monthly cost
$2,790/mo
for a single person, all categories combined

Population 42,473 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $895 32%
Federal tax $507 18%
Healthcare $480 17%
Groceries $334 12%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Cooke County

Fair Market Rents by bedroom count.

Studio
$889
per month
1 bedroom
$895
per month
2 bedroom
$1,174
per month
3 bedroom
$1,447
per month
4 bedroom
$1,753
per month

Source: HUD FMR FY2025

Income and earnings in Cooke County

Annual earnings figures from the Census ACS.

Household income
$72,472
per year
Individual earnings
$41,078
per year
Per capita
$38,518
per year

Source: ACS 2019-2023 5-Year.

Home values in Cooke County

Average values reported by homeowners.

Average home value
$224,600
Annual property tax
$2,794

Source: ACS 2019-2023 5-Year

Energy costs in Cooke 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 Cooke County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
16.0%

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 Cooke 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 Cooke County

Commute patterns and estimated costs.

Average commute
25.8 min
Drive alone
80.2%
Public transit
0.4%
Work from home
7.1%

Source: ACS

Monthly cost estimates for Cooke County

What it costs to live in Cooke County each month.

Single person
$2,790
per month
  • Rent $895
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $507
  • State tax $0
Couple
$4,171
per month
  • Rent $1,174
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $856
  • State tax $0
Family
$6,586
per month
  • Rent $1,447
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $856
  • State tax $0

Frequently asked questions about Cooke County

Common questions about cost of living, rent and salary.

What is the average rent in Cooke County?

In Cooke County, TX, a one-bedroom apartment averages $895 per month, a two-bedroom averages $1,174 per month, a three-bedroom averages $1,447 per month, according to HUD Fair Market Rent data.

What is the average salary in Cooke County?

In Cooke County, TX, the average household income is $72,472 per year and individual earnings for full-time workers average $41,078 per year, according to U.S. Census Bureau data.

What is the cost of living in Cooke County?

The estimated cost of living in Cooke County, TX is approximately $2,790 per month for a single person, $4,171 for a couple, $6,586 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Cooke County?

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

Is Cooke County an affordable place to live?

Based on the data, a single person in Cooke County, TX would need approximately $2,790 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $72,472 per year ($6,039 per month). Cooke County is relatively affordable compared to the national average.

How much does healthcare cost in Cooke County?

The ACA marketplace benchmark premium in Cooke County, TX is approximately $480 per month for an individual. Approximately 16.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Cooke County?

The average home value in Cooke County, TX is $224,600, with average annual property taxes of $2,794, according to U.S. Census Bureau data.

How does Cooke County compare to other areas?

You can compare Cooke County, TX with any other US county using our comparison tool at /compare. Cooke County is in the Gainesville, TX metro area.

Other counties in Texas

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

See all counties in Texas

Compare Cooke 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