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Tyler, TX

Cost of living in Smith County, TX

Part of the Tyler Metro Area

Estimated monthly cost
$2,924/mo
for a single person, all categories combined

Population 238,014 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,084 37%
Healthcare $480 16%
Federal tax $452 15%
Groceries $334 11%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Smith County

Fair Market Rents by bedroom count.

Studio
$995
per month
1 bedroom
$1,084
per month
2 bedroom
$1,333
per month
3 bedroom
$1,776
per month
4 bedroom
$2,011
per month

Source: HUD FMR FY2025

Income and earnings in Smith County

Annual earnings figures from the Census ACS.

Household income
$71,923
per year
Individual earnings
$37,718
per year
Per capita
$34,785
per year

Source: ACS 2019-2023 5-Year.

Home values in Smith County

Average values reported by homeowners.

Average home value
$220,800
Annual property tax
$2,749

Source: ACS 2019-2023 5-Year

Energy costs in Smith 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 Smith 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 Smith 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 Smith County

Commute patterns and estimated costs.

Average commute
23.3 min
Drive alone
79.2%
Public transit
0.3%
Work from home
8.9%

Source: ACS

Monthly cost estimates for Smith County

What it costs to live in Smith County each month.

Single person
$2,924
per month
  • Rent $1,084
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $452
  • State tax $0
Couple
$4,321
per month
  • Rent $1,333
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $847
  • State tax $0
Family
$6,906
per month
  • Rent $1,776
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $847
  • State tax $0

Frequently asked questions about Smith County

Common questions about cost of living, rent and salary.

What is the average rent in Smith County?

In Smith County, TX, a one-bedroom apartment averages $1,084 per month, a two-bedroom averages $1,333 per month, a three-bedroom averages $1,776 per month, according to HUD Fair Market Rent data.

What is the average salary in Smith County?

In Smith County, TX, the average household income is $71,923 per year and individual earnings for full-time workers average $37,718 per year, according to U.S. Census Bureau data.

What is the cost of living in Smith County?

The estimated cost of living in Smith County, TX is approximately $2,924 per month for a single person, $4,321 for a couple, $6,906 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Smith County?

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

Is Smith County an affordable place to live?

Based on the data, a single person in Smith County, TX would need approximately $2,924 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $71,923 per year ($5,994 per month). Smith County is relatively affordable compared to the national average.

How much does healthcare cost in Smith County?

The ACA marketplace benchmark premium in Smith 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 Smith County?

The average home value in Smith County, TX is $220,800, with average annual property taxes of $2,749, according to U.S. Census Bureau data.

How does Smith County compare to other areas?

You can compare Smith County, TX with any other US county using our comparison tool at /compare. Smith County is in the Tyler, 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 Smith 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