Skip to main content
LiveWhere us
Texas

Cost of living in McCulloch County, TX

Estimated monthly cost
$2,541/mo
for a single person, all categories combined

Population 7,565 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $805 32%
Healthcare $480 19%
Federal tax $348 14%
Groceries $334 13%
Transport $320 13%
Energy $199 8%
Water $55 2%
State tax $0 0%

Rent in McCulloch County

Fair Market Rents by bedroom count.

Studio
$765
per month
1 bedroom
$805
per month
2 bedroom
$975
per month
3 bedroom
$1,175
per month
4 bedroom
$1,458
per month

Source: HUD FMR FY2025

Income and earnings in McCulloch County

Annual earnings figures from the Census ACS.

Household income
$51,919
per year
Individual earnings
$31,369
per year
Per capita
$30,468
per year

Source: ACS 2019-2023 5-Year.

Home values in McCulloch County

Average values reported by homeowners.

Average home value
$104,400
Annual property tax
$1,435

Source: ACS 2019-2023 5-Year

Energy costs in McCulloch 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 McCulloch County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
19.7%

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 McCulloch 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 McCulloch County

Commute patterns and estimated costs.

Average commute
19.0 min
Drive alone
71.4%
Public transit
0.0%
Work from home
14.6%

Source: ACS

Monthly cost estimates for McCulloch County

What it costs to live in McCulloch County each month.

Single person
$2,541
per month
  • Rent $805
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $348
  • State tax $0
Couple
$3,636
per month
  • Rent $975
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $520
  • State tax $0
Family
$5,978
per month
  • Rent $1,175
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $520
  • State tax $0

Frequently asked questions about McCulloch County

Common questions about cost of living, rent and salary.

What is the average rent in McCulloch County?

In McCulloch County, TX, a one-bedroom apartment averages $805 per month, a two-bedroom averages $975 per month, a three-bedroom averages $1,175 per month, according to HUD Fair Market Rent data.

What is the average salary in McCulloch County?

In McCulloch County, TX, the average household income is $51,919 per year and individual earnings for full-time workers average $31,369 per year, according to U.S. Census Bureau data.

What is the cost of living in McCulloch County?

The estimated cost of living in McCulloch County, TX is approximately $2,541 per month for a single person, $3,636 for a couple, $5,978 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in McCulloch County?

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

Is McCulloch County an affordable place to live?

Based on the data, a single person in McCulloch County, TX would need approximately $2,541 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $51,919 per year ($4,327 per month). McCulloch County has a moderate cost of living relative to local earnings.

How much does healthcare cost in McCulloch County?

The ACA marketplace benchmark premium in McCulloch County, TX is approximately $480 per month for an individual. Approximately 19.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in McCulloch County?

The average home value in McCulloch County, TX is $104,400, with average annual property taxes of $1,435, according to U.S. Census Bureau data.

How does McCulloch County compare to other areas?

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

Compare McCulloch 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