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Houston-Pasadena-The Woodlands, TX

Cost of living in Montgomery County, TX

Part of the Houston Metro Area

Estimated monthly cost
$3,362/mo
for a single person, all categories combined

Population 654,722 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,279 38%
Federal tax $695 21%
Healthcare $480 14%
Groceries $334 10%
Transport $320 10%
Energy $199 6%
Water $55 2%
State tax $0 0%

Rent in Montgomery County

Fair Market Rents by bedroom count.

Studio
$1,226
per month
1 bedroom
$1,279
per month
2 bedroom
$1,529
per month
3 bedroom
$2,038
per month
4 bedroom
$2,568
per month

Source: HUD FMR FY2025

Income and earnings in Montgomery County

Annual earnings figures from the Census ACS.

Household income
$97,266
per year
Individual earnings
$52,523
per year
Per capita
$48,550
per year

Source: ACS 2019-2023 5-Year.

Home values in Montgomery County

Average values reported by homeowners.

Average home value
$317,500
Annual property tax
$5,237

Source: ACS 2019-2023 5-Year

Energy costs in Montgomery 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 Montgomery County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
14.7%

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 Montgomery 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 Montgomery County

Commute patterns and estimated costs.

Average commute
31.7 min
Drive alone
74.2%
Public transit
0.8%
Work from home
14.1%

Source: ACS

Monthly cost estimates for Montgomery County

What it costs to live in Montgomery County each month.

Single person
$3,362
per month
  • Rent $1,279
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $695
  • State tax $0
Couple
$4,932
per month
  • Rent $1,529
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $1,262
  • State tax $0
Family
$7,583
per month
  • Rent $2,038
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,262
  • State tax $0

Frequently asked questions about Montgomery County

Common questions about cost of living, rent and salary.

What is the average rent in Montgomery County?

In Montgomery County, TX, a one-bedroom apartment averages $1,279 per month, a two-bedroom averages $1,529 per month, a three-bedroom averages $2,038 per month, according to HUD Fair Market Rent data.

What is the average salary in Montgomery County?

In Montgomery County, TX, the average household income is $97,266 per year and individual earnings for full-time workers average $52,523 per year, according to U.S. Census Bureau data.

What is the cost of living in Montgomery County?

The estimated cost of living in Montgomery County, TX is approximately $3,362 per month for a single person, $4,932 for a couple, $7,583 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Montgomery County?

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

Is Montgomery County an affordable place to live?

Based on the data, a single person in Montgomery County, TX would need approximately $3,362 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $97,266 per year ($8,106 per month). Montgomery County is relatively affordable compared to the national average.

How much does healthcare cost in Montgomery County?

The ACA marketplace benchmark premium in Montgomery County, TX is approximately $480 per month for an individual. Approximately 14.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Montgomery County?

The average home value in Montgomery County, TX is $317,500, with average annual property taxes of $5,237, according to U.S. Census Bureau data.

How does Montgomery County compare to other areas?

You can compare Montgomery County, TX with any other US county using our comparison tool at /compare. Montgomery County is in the Houston-Pasadena-The Woodlands, 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 Montgomery 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