Nacogdoches, TX

Very Low · 61

Texas · Population 32,104 · Updated March 2026

$921
Median Rent / Month
$38,855
Median Income
$173,200
Median Home Value
$902
Owner Costs / Month

Affordability

How far your income goes in Nacogdoches

28.4%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

Tax Burden in Texas

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.25%
Sales Tax
1.6%
Property Tax Rate

Estimated Annual Costs

$11,052
Annual Rent
$0
State Income Tax
$2,771
Property Tax (est.)

Cost of Living Overview

Nacogdoches is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 61 (where 100 equals the national median), Nacogdoches residents can expect to pay median rent of $921/month while earning a median household income of $38,855/year.

The median home value in Nacogdoches, TX is $173,200, with typical monthly owner costs around $902 including mortgage, insurance, and taxes. With a rent-to-income ratio of 28.4%, Nacogdoches falls within the generally affordable range, though it's approaching the 30% burden threshold.

Texas has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.25% sales tax rate and 1.6% effective property tax rate, the overall tax environment helps keep costs manageable in Nacogdoches.

Frequently Asked Questions

Common questions about living costs in Nacogdoches

What is the cost of living in Nacogdoches, TX?
The cost of living index in Nacogdoches, TX is 61 (US average = 100). Median monthly rent is $921, median household income is $38,855/year, and the median home value is $173,200.
Is Nacogdoches, TX affordable?
Yes, Nacogdoches is more affordable than the national average with a cost index of 61. The rent-to-income ratio is 28.4%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Nacogdoches, TX?
The median gross rent in Nacogdoches, TX is $921 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $11,052.
What is the median household income in Nacogdoches?
The median household income in Nacogdoches, TX is $38,855 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Texas?
Texas has a top income tax rate of 0%, a sales tax of 6.25%, and an effective property tax rate of 1.6%. Notably, there is no state income tax.