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Lubbock, TX

Cost of living in Garza County, TX

Part of the Lubbock Metro Area

Estimated monthly cost
$2,472/mo
for a single person, all categories combined

Population 5,435 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $752 30%
Healthcare $480 19%
Groceries $334 14%
Federal tax $332 13%
Transport $320 13%
Energy $199 8%
Water $55 2%
State tax $0 0%

Rent in Garza County

Fair Market Rents by bedroom count.

Studio
$732
per month
1 bedroom
$752
per month
2 bedroom
$933
per month
3 bedroom
$1,307
per month
4 bedroom
$1,478
per month

Source: HUD FMR FY2025

Income and earnings in Garza County

Annual earnings figures from the Census ACS.

Household income
$50,545
per year
Individual earnings
$30,354
per year
Per capita
$20,328
per year

Source: ACS 2019-2023 5-Year.

Home values in Garza County

Average values reported by homeowners.

Average home value
$79,300
Annual property tax
$1,316

Source: ACS 2019-2023 5-Year

Energy costs in Garza 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 Garza County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
17.2%

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 Garza 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 Garza County

Commute patterns and estimated costs.

Average commute
24.5 min
Drive alone
88.0%
Public transit
0.0%
Work from home
0.2%

Source: ACS

Monthly cost estimates for Garza County

What it costs to live in Garza County each month.

Single person
$2,472
per month
  • Rent $752
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $332
  • State tax $0
Couple
$3,574
per month
  • Rent $933
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $500
  • State tax $0
Family
$6,090
per month
  • Rent $1,307
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $500
  • State tax $0

Frequently asked questions about Garza County

Common questions about cost of living, rent and salary.

What is the average rent in Garza County?

In Garza County, TX, a one-bedroom apartment averages $752 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 Garza County?

In Garza County, TX, the average household income is $50,545 per year and individual earnings for full-time workers average $30,354 per year, according to U.S. Census Bureau data.

What is the cost of living in Garza County?

The estimated cost of living in Garza County, TX is approximately $2,472 per month for a single person, $3,574 for a couple, $6,090 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garza County?

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

Is Garza County an affordable place to live?

Based on the data, a single person in Garza County, TX would need approximately $2,472 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $50,545 per year ($4,212 per month). Garza County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garza County?

The ACA marketplace benchmark premium in Garza County, TX is approximately $480 per month for an individual. Approximately 17.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garza County?

The average home value in Garza County, TX is $79,300, with average annual property taxes of $1,316, according to U.S. Census Bureau data.

How does Garza County compare to other areas?

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