White Settlement, TX

Very Low · 74

Texas · Population 18,119 · Updated March 2026

$1,227
Median Rent / Month
$56,472
Median Income
$176,500
Median Home Value
$1,139
Owner Costs / Month

Affordability

How far your income goes in White Settlement

26.1%
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

$14,724
Annual Rent
$0
State Income Tax
$2,824
Property Tax (est.)

Cost of Living Overview

White Settlement is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 74 (where 100 equals the national median), White Settlement residents can expect to pay median rent of $1,227/month while earning a median household income of $56,472/year.

The median home value in White Settlement, TX is $176,500, with typical monthly owner costs around $1,139 including mortgage, insurance, and taxes. With a rent-to-income ratio of 26.1%, White Settlement 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 White Settlement.

Frequently Asked Questions

Common questions about living costs in White Settlement

What is the cost of living in White Settlement, TX?
The cost of living index in White Settlement, TX is 74 (US average = 100). Median monthly rent is $1,227, median household income is $56,472/year, and the median home value is $176,500.
Is White Settlement, TX affordable?
Yes, White Settlement is more affordable than the national average with a cost index of 74. The rent-to-income ratio is 26.1%—below the 30%% threshold considered affordable by HUD.
What is the average rent in White Settlement, TX?
The median gross rent in White Settlement, TX is $1,227 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $14,724.
What is the median household income in White Settlement?
The median household income in White Settlement, TX is $56,472 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.