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Texas

Cost of living in Gaines County, TX

Estimated monthly cost
$2,796/mo
for a single person, all categories combined

Population 21,904 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $808 29%
Federal tax $600 21%
Healthcare $480 17%
Groceries $334 12%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Gaines County

Fair Market Rents by bedroom count.

Studio
$732
per month
1 bedroom
$808
per month
2 bedroom
$933
per month
3 bedroom
$1,124
per month
4 bedroom
$1,395
per month

Source: HUD FMR FY2025

Income and earnings in Gaines County

Annual earnings figures from the Census ACS.

Household income
$76,605
per year
Individual earnings
$46,709
per year
Per capita
$30,786
per year

Source: ACS 2019-2023 5-Year.

Home values in Gaines County

Average values reported by homeowners.

Average home value
$185,300
Annual property tax
$2,721

Source: ACS 2019-2023 5-Year

Energy costs in Gaines 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 Gaines County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
32.4%

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 Gaines 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 Gaines County

Commute patterns and estimated costs.

Average commute
23.9 min
Drive alone
71.7%
Public transit
0.0%
Work from home
3.6%

Source: ACS

Monthly cost estimates for Gaines County

What it costs to live in Gaines County each month.

Single person
$2,796
per month
  • Rent $808
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $600
  • State tax $0
Couple
$3,998
per month
  • Rent $933
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $924
  • State tax $0
Family
$6,331
per month
  • Rent $1,124
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $924
  • State tax $0

Frequently asked questions about Gaines County

Common questions about cost of living, rent and salary.

What is the average rent in Gaines County?

In Gaines County, TX, a one-bedroom apartment averages $808 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,124 per month, according to HUD Fair Market Rent data.

What is the average salary in Gaines County?

In Gaines County, TX, the average household income is $76,605 per year and individual earnings for full-time workers average $46,709 per year, according to U.S. Census Bureau data.

What is the cost of living in Gaines County?

The estimated cost of living in Gaines County, TX is approximately $2,796 per month for a single person, $3,998 for a couple, $6,331 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Gaines County?

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

Is Gaines County an affordable place to live?

Based on the data, a single person in Gaines County, TX would need approximately $2,796 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $76,605 per year ($6,384 per month). Gaines County is relatively affordable compared to the national average.

How much does healthcare cost in Gaines County?

The ACA marketplace benchmark premium in Gaines County, TX is approximately $480 per month for an individual. Approximately 32.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Gaines County?

The average home value in Gaines County, TX is $185,300, with average annual property taxes of $2,721, according to U.S. Census Bureau data.

How does Gaines County compare to other areas?

You can compare Gaines County, TX with any other US county using our comparison tool at /compare. Gaines 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 Gaines 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