Key Economic Benchmarks
Median Household Income
$53,645$4,470 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Harlingen, TX
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Harlingen, TX
Official FY2026 HUD Fair Market Rents for Brownsville-Harlingen, TX MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $773 | $9,276 | $30,920 | 17.3% |
| 1-Bedroom Apartment | $866 | $10,392 | $34,640 | 19.4% |
| 2-Bedroom ApartmentBenchmark | $1,047 | $12,564 | $41,880 | 23.4% |
| 3-Bedroom Home | $1,414 | $16,968 | $56,560 | 31.6% |
| 4-Bedroom Home | $1,479 | $17,748 | $59,160 | 33.1% |
50/30/20 Living Budget in Harlingen, TX
Based on the local median household income of $53,645/year ($4,470/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Texas
Explore net income after federal income tax, FICA, and Texas state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Texas with official federal datasets:
Frequently Asked Questions About Living in Harlingen, TX
What is the median household income in Harlingen, TX?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Harlingen, TX is $53,645 per year (approximately $4,470 per month).
What is the average rent in Harlingen, TX?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Harlingen, TX are $773 for a studio, $866 for 1 bedroom, $1,047 for 2 bedrooms, $1,414 for 3 bedrooms, and $1,479 for 4 bedrooms.
How does the cost of living in Harlingen, TX compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Harlingen, TX is 86.0 (14% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Harlingen, TX?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,047/month) in Harlingen, TX requires a minimum gross household income of $41,880 per year ($3,490 per month).
What is a balanced 50/30/20 monthly budget in Harlingen, TX?
For a typical household earning the median income of $53,645/year ($4,470/month) in Harlingen, TX, a balanced 50/30/20 budget allocates $2,235/month to essential needs (rent, utilities, groceries), $1,341/month to discretionary spending, and $894/month to savings and debt repayment.
What are typical electricity and utility costs in Harlingen, TX?
Residential electricity rates in Texas average 15.9¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $143 per month.