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Fredericksburg, TX

Cost of living in Gillespie County, TX

Estimated monthly cost
$2,805/mo
for a single person, all categories combined

Population 27,202 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $971 35%
Healthcare $480 17%
Federal tax $446 16%
Groceries $334 12%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Gillespie County

Fair Market Rents by bedroom count.

Studio
$965
per month
1 bedroom
$971
per month
2 bedroom
$1,274
per month
3 bedroom
$1,688
per month
4 bedroom
$1,905
per month

Source: HUD FMR FY2025

Income and earnings in Gillespie County

Annual earnings figures from the Census ACS.

Household income
$67,799
per year
Individual earnings
$37,348
per year
Per capita
$43,555
per year

Source: ACS 2019-2023 5-Year.

Home values in Gillespie County

Average values reported by homeowners.

Average home value
$432,300
Annual property tax
$4,404

Source: ACS 2019-2023 5-Year

Energy costs in Gillespie 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 Gillespie County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
15.5%

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 Gillespie 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 Gillespie County

Commute patterns and estimated costs.

Average commute
22.0 min
Drive alone
73.3%
Public transit
0.3%
Work from home
10.9%

Source: ACS

Monthly cost estimates for Gillespie County

What it costs to live in Gillespie County each month.

Single person
$2,805
per month
  • Rent $971
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $446
  • State tax $0
Couple
$4,195
per month
  • Rent $1,274
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $780
  • State tax $0
Family
$6,751
per month
  • Rent $1,688
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $780
  • State tax $0

Frequently asked questions about Gillespie County

Common questions about cost of living, rent and salary.

What is the average rent in Gillespie County?

In Gillespie County, TX, a one-bedroom apartment averages $971 per month, a two-bedroom averages $1,274 per month, a three-bedroom averages $1,688 per month, according to HUD Fair Market Rent data.

What is the average salary in Gillespie County?

In Gillespie County, TX, the average household income is $67,799 per year and individual earnings for full-time workers average $37,348 per year, according to U.S. Census Bureau data.

What is the cost of living in Gillespie County?

The estimated cost of living in Gillespie County, TX is approximately $2,805 per month for a single person, $4,195 for a couple, $6,751 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Gillespie County?

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

Is Gillespie County an affordable place to live?

Based on the data, a single person in Gillespie County, TX would need approximately $2,805 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,799 per year ($5,650 per month). Gillespie County is relatively affordable compared to the national average.

How much does healthcare cost in Gillespie County?

The ACA marketplace benchmark premium in Gillespie County, TX is approximately $480 per month for an individual. Approximately 15.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Gillespie County?

The average home value in Gillespie County, TX is $432,300, with average annual property taxes of $4,404, according to U.S. Census Bureau data.

How does Gillespie County compare to other areas?

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