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Sherman-Denison, TX

Cost of living in Grayson County, TX

Part of the Sherman Metro Area

Estimated monthly cost
$3,007/mo
for a single person, all categories combined

Population 139,988 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,113 37%
Federal tax $506 17%
Healthcare $480 16%
Groceries $334 11%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Grayson County

Fair Market Rents by bedroom count.

Studio
$1,068
per month
1 bedroom
$1,113
per month
2 bedroom
$1,342
per month
3 bedroom
$1,872
per month
4 bedroom
$2,254
per month

Source: HUD FMR FY2025

Income and earnings in Grayson County

Annual earnings figures from the Census ACS.

Household income
$70,455
per year
Individual earnings
$40,972
per year
Per capita
$36,711
per year

Source: ACS 2019-2023 5-Year.

Home values in Grayson County

Average values reported by homeowners.

Average home value
$228,300
Annual property tax
$2,953

Source: ACS 2019-2023 5-Year

Energy costs in Grayson 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 Grayson County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
15.7%

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 Grayson 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 Grayson County

Commute patterns and estimated costs.

Average commute
26.3 min
Drive alone
75.1%
Public transit
0.5%
Work from home
11.2%

Source: ACS

Monthly cost estimates for Grayson County

What it costs to live in Grayson County each month.

Single person
$3,007
per month
  • Rent $1,113
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $506
  • State tax $0
Couple
$4,306
per month
  • Rent $1,342
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $823
  • State tax $0
Family
$6,978
per month
  • Rent $1,872
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $823
  • State tax $0

Frequently asked questions about Grayson County

Common questions about cost of living, rent and salary.

What is the average rent in Grayson County?

In Grayson County, TX, a one-bedroom apartment averages $1,113 per month, a two-bedroom averages $1,342 per month, a three-bedroom averages $1,872 per month, according to HUD Fair Market Rent data.

What is the average salary in Grayson County?

In Grayson County, TX, the average household income is $70,455 per year and individual earnings for full-time workers average $40,972 per year, according to U.S. Census Bureau data.

What is the cost of living in Grayson County?

The estimated cost of living in Grayson County, TX is approximately $3,007 per month for a single person, $4,306 for a couple, $6,978 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Grayson County?

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

Is Grayson County an affordable place to live?

Based on the data, a single person in Grayson County, TX would need approximately $3,007 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $70,455 per year ($5,871 per month). Grayson County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Grayson County?

The ACA marketplace benchmark premium in Grayson County, TX is approximately $480 per month for an individual. Approximately 15.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Grayson County?

The average home value in Grayson County, TX is $228,300, with average annual property taxes of $2,953, according to U.S. Census Bureau data.

How does Grayson County compare to other areas?

You can compare Grayson County, TX with any other US county using our comparison tool at /compare. Grayson County is in the Sherman-Denison, 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 Grayson 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