Texas · 2026 Federal Benchmarks

Cost of Living in Sutton County, TX

The median household in Sutton County, TX earns $78,906 a year ($6,576/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $973/month under HUD Fair Market Rents, requiring an annual income of at least $38,920 under the federal 30% housing rule, with overall consumer prices sitting 2.9% below the national baseline.

Key Economic Benchmarks

Median Household Income

$78,906$6,576 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$973HUD FY2026 Fair Market Rent
Price Parity (RPP)97.1-2.9% vs national baseline
Electricity Rate15.9¢per kWh · EIA Residential TX
Census Population3,277Official resident count

Fair market rent & 30% rule in Sutton County, TX

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$973Monthly market rent
Share of gross income14.8%Recommended max: 30%
Annual income needed$38,920To meet the 30% standard
Max affordable rent$1,973At 30% of $78,906
0%30% (Affordability standard)100%
Compare against:

2026 HUD Fair Market Rent Schedule: Sutton County, TX

Official FY2026 HUD Fair Market Rents for Sutton County, TX. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Sutton County, TX
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$737$8,844$29,48011.2%
1-Bedroom Apartment$742$8,904$29,68011.3%
2-Bedroom ApartmentBenchmark$973$11,676$38,92014.8%
3-Bedroom Home$1,214$14,568$48,56018.5%
4-Bedroom Home$1,432$17,184$57,28021.8%

See dedicated rental breakdown for Sutton County, TX →

50/30/20 Living Budget in Sutton County, TX

Based on the local median household income of $78,906/year ($6,576/month), here is how a balanced budget allocates expenses:

Needs (50%)$3,288/moRent ($973 2-BR), utilities (~$143/mo), groceries, transit
Wants (30%)$1,973/moDiscretionary spending: dining, leisure, recreation at 97.1 RPP price level
Savings & Debt (20%)$1,315/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

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.

$78,906
$30,000$160,000
Filing status:
Gross salary breakdown$78,906
Net 82%
Fed 11%
FICA 8%
Annual take-home$64,340After all taxes
Monthly deposit$5,362Estimated per month
Biweekly paycheck$2,475Every 2 weeks (26/yr)
Effective tax rate18.5%Total tax burden
Federal income tax$8,529 / yr
Texas state income taxNo state wage tax$0
FICA (Social Security & Medicare)$6,036 / yr

Compare earnings and living costs across Texas with official federal datasets:

Frequently Asked Questions About Living in Sutton County, TX

What is the median household income in Sutton County, TX?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Sutton County, TX is $78,906 per year (approximately $6,576 per month).

What is the average rent in Sutton County, TX?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Sutton County, TX are $737 for a studio, $742 for 1 bedroom, $973 for 2 bedrooms, $1,214 for 3 bedrooms, and $1,432 for 4 bedrooms.

How does the cost of living in Sutton County, TX compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Sutton County, TX is 97.1 (2.9% lower than the U.S. national baseline of 100.0).

How much do you need to earn to comfortably afford rent in Sutton County, TX?

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($973/month) in Sutton County, TX requires a minimum gross household income of $38,920 per year ($3,243 per month).

What is a balanced 50/30/20 monthly budget in Sutton County, TX?

For a typical household earning the median income of $78,906/year ($6,576/month) in Sutton County, TX, a balanced 50/30/20 budget allocates $3,288/month to essential needs (rent, utilities, groceries), $1,973/month to discretionary spending, and $1,315/month to savings and debt repayment.

What are typical electricity and utility costs in Sutton County, 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.