RentData

Average Rent in McCulloch County, TX Rents falling 6.0% YoY

HUD FY2025 · Official government data · Updated annually · Metro pop. 7,565

Data review: HUD FY2025Sources: HUD, Zillow, Census, BLSMethodologyEditorial standardsReport a correction

Market Overview

McCulloch County, TX has rental prices ranging from $765/month to $1,458/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $805/month — 42% below the national average of $1,400/month. With a median household income of $51,919/year, spending $805/month on a 1-bedroom represents 19% of gross income — within the recommended 30% threshold.

How McCulloch County Compares

With an average 2-bedroom rent of $975/month, McCulloch County ranks #112 most expensive of the 220 cities tracked in Texas — pricier than 59% of all US cities in our data.

The McCulloch County Rental Market

The McCulloch County, TX area has a population of about 7,565 and 30% of households renting rather than owning. That is close to the US average renter share of ~34%.

Rent Trends

2-bedroom rents in McCulloch County, TX have fallen by $62/month (6.0%) over the past year, from $1,037 to $975. This slight decline is consistent with broader market corrections seen across US rental markets.

Affordability

To afford a 1-bedroom apartment in McCulloch County, TX without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $32,200. The local median household income of $51,919 exceeds that threshold by $19,719, making McCulloch County relatively accessible compared to local wages.

Economy & Jobs

McCulloch County, TX has an unemployment rate of 5.6%, 1.7 percentage points above the national average of 3.9%. A higher unemployment rate can moderate rental demand over time, which may help keep rent growth in check compared to tighter job markets.

Fair Market Rents

HUD FY2025
Studio
$765
Affordable
1 Bedroom
$805
Affordable
2 Bedrooms
$975
6.0% YoY
Affordable
3 Bedrooms
$1,175
Affordable
4 Bedrooms
$1,458
Average
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Is McCulloch County, TX Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$39,000/year
Local median income: $51,919
To buy a median home
/year
US national median: $75,000
💡 Based on a 2BR rent of $975/month and 20% down on a home at 7% rate.

Nearby Cities in TXlargest metros in the state

CityStudio1BR2BR3BRHome Value
Fort Worth$1,371$1,461$1,705$2,256
Dallas$1,531$1,606$1,884$2,361
Brazoria County$951$1,138$1,260$1,683
Houston$1,226$1,279$1,529$2,038
San Antonio$1,116$1,231$1,501$1,907
Austin$1,549$1,650$1,949$2,484

Rent or Buy in McCulloch County?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real McCulloch County data

$
Home Value
$350,000
2BR Rent
$975/mo
Mortgage Rate
7%
Monthly P&I
$1,863/mo
🏠 Buy

Buying breaks even after 5 years — worth it if you stay 5+ years.

Total monthly buy cost: $2,577/movs rent: $975/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Living in McCulloch County

Cost of living, job market, crime rates, and moving cost estimates.

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Frequently Asked Questions

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🏘️Neighborhoods in McCulloch County

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💵Rent Affordability in McCulloch County

Salary needed to afford rent here

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📋TX Tenant Rights

Deposit limits, eviction laws & renters protections