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Texas

Cost of living in Hardeman County, TX

Estimated monthly cost
$2,473/mo
for a single person, all categories combined

Population 3,529 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $731 30%
Healthcare $480 19%
Federal tax $354 14%
Groceries $334 14%
Transport $320 13%
Energy $199 8%
Water $55 2%
State tax $0 0%

Rent in Hardeman County

Fair Market Rents by bedroom count.

Studio
$726
per month
1 bedroom
$731
per month
2 bedroom
$933
per month
3 bedroom
$1,259
per month
4 bedroom
$1,395
per month

Source: HUD FMR FY2025

Income and earnings in Hardeman County

Annual earnings figures from the Census ACS.

Household income
$61,179
per year
Individual earnings
$31,733
per year
Per capita
$29,505
per year

Source: ACS 2019-2023 5-Year.

Home values in Hardeman County

Average values reported by homeowners.

Average home value
$76,500
Annual property tax
$905

Source: ACS 2019-2023 5-Year

Energy costs in Hardeman 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 Hardeman County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
16.7%

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 Hardeman 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 Hardeman County

Commute patterns and estimated costs.

Average commute
16.0 min
Drive alone
77.8%
Public transit
0.0%
Work from home
4.4%

Source: ACS

Monthly cost estimates for Hardeman County

What it costs to live in Hardeman County each month.

Single person
$2,473
per month
  • Rent $731
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $354
  • State tax $0
Couple
$3,745
per month
  • Rent $933
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $671
  • State tax $0
Family
$6,213
per month
  • Rent $1,259
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $671
  • State tax $0

Frequently asked questions about Hardeman County

Common questions about cost of living, rent and salary.

What is the average rent in Hardeman County?

In Hardeman County, TX, a one-bedroom apartment averages $731 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,259 per month, according to HUD Fair Market Rent data.

What is the average salary in Hardeman County?

In Hardeman County, TX, the average household income is $61,179 per year and individual earnings for full-time workers average $31,733 per year, according to U.S. Census Bureau data.

What is the cost of living in Hardeman County?

The estimated cost of living in Hardeman County, TX is approximately $2,473 per month for a single person, $3,745 for a couple, $6,213 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hardeman County?

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

Is Hardeman County an affordable place to live?

Based on the data, a single person in Hardeman County, TX would need approximately $2,473 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $61,179 per year ($5,098 per month). Hardeman County is relatively affordable compared to the national average.

How much does healthcare cost in Hardeman County?

The ACA marketplace benchmark premium in Hardeman County, TX is approximately $480 per month for an individual. Approximately 16.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hardeman County?

The average home value in Hardeman County, TX is $76,500, with average annual property taxes of $905, according to U.S. Census Bureau data.

How does Hardeman County compare to other areas?

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

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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
Methodology All data sources