Cost of living in Gray County, TX
Population 21,131 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Gray County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Gray County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Gray County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Gray County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Gray County
Insurance premiums and coverage rates.
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 Gray County
State and local tax rates for Texas.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Gray County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Gray County
What it costs to live in Gray County each month.
- Rent $737
- Energy $199
- Water $55
- Groceries $334
- Transport $320
- Healthcare $480
- Federal tax $412
- State tax $0
- Rent $967
- Energy $239
- Water $65
- Groceries $553
- Transport $420
- Healthcare $864
- Federal tax $588
- State tax $0
- Rent $1,165
- Energy $298
- Water $75
- Groceries $840
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $588
- State tax $0
Frequently asked questions about Gray County
Common questions about cost of living, rent and salary.
What is the average rent in Gray County?
In Gray County, TX, a one-bedroom apartment averages $737 per month, a two-bedroom averages $967 per month, a three-bedroom averages $1,165 per month, according to HUD Fair Market Rent data.
What is the average salary in Gray County?
In Gray County, TX, the average household income is $56,082 per year and individual earnings for full-time workers average $35,251 per year, according to U.S. Census Bureau data.
What is the cost of living in Gray County?
The estimated cost of living in Gray County, TX is approximately $2,537 per month for a single person, $3,696 for a couple, $6,036 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Gray County?
The combined sales tax rate in Gray County, TX is 8.19%, which includes the Texas state rate of 6.25% plus an average local rate of 1.94%.
Is Gray County an affordable place to live?
Based on the data, a single person in Gray County, TX would need approximately $2,537 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $56,082 per year ($4,674 per month). Gray County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Gray County?
The ACA marketplace benchmark premium in Gray County, TX is approximately $480 per month for an individual. Approximately 18.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Gray County?
The average home value in Gray County, TX is $100,400, with average annual property taxes of $1,435, according to U.S. Census Bureau data.
How does Gray County compare to other areas?
You can compare Gray County, TX with any other US county using our comparison tool at /compare. Gray County is in the Pampa, TX metro area.
Other counties in Texas
Browse the full list of counties in Texas, ranked by cost of living.
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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