Cost Of Living in Hearne, TX

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Hearne	Texas	National
Cost of living	83	92	100
Goods & Services	90	96	100
Groceries	91	96	100
Health care	106	94	100
Housing	57	83	100
Transportation	90	92	100
Utilities	110	104	100

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Cost Of Living Quick Facts

The cost of living in Hearne is 11% lower than the Texas average
The cost of living in Hearne is 17% lower than the national average
Hearne housing is 43% lower than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$53,320	$4,443	$1,244	$1,600
Renters	$14,963	$1,247	$349	$449

The affordability of the housing market in Hearne, TX as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Hearne homeowners, the median income is $53,320. This indicates that a monthly maximum of $1,244 should be spent by homeowners on all housing related costs. Renters have a median income of $14,963. This indicates that renters would have a maximum of $349 for their rent related monthly costs.

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Goods & Services

Item	Hearne	National avg.	Difference
Haircut	$21.28	$24.26	12.3%
Beauty Salon	$50.28	$45.56	10.3%
Toothpaste	$3.57	$3.70	3.7%
Shampoo	$1.35	$1.28	5.7%
Movie	$10.03	$12.13	17.3%
Bowling	$20.06	$18.00	11.4%

Groceries

Item	Hearne	National avg.	Difference
Ground Beef	$5.71	$5.84	2.3%
Fried Chicken	$1.32	$1.57	16.1%
Milk	$4.56	$4.67	2.5%
Potatoes	$3.98	$4.93	19.3%
Pizza	$10.63	$12.09	12.1%
Beer	$9.91	$10.41	4.8%

Health Care

Item	Hearne	National avg.	Difference
Optometrist	$129.92	$125.68	3.4%
Doctor	$106.41	$135.78	21.6%
Dentist	$105.82	$113.29	6.6%
Ibuprofen	$10.32	$10.65	3.1%
Lipitor	$466.19	$468.60	0.5%

Housing

Item	Hearne	National avg.	Difference
Home Price	$80,200.00	$184,700.00	56.6%
Avg. Mortgage Payment	$2,164.77	$2,346.69	7.8%
Apartment Rent	$830.00	$949.00	12.5%

Transportation

Item	Hearne	National avg.	Difference
Gasoline	$3.18	$3.46	8.0%
Tire Balancing	$52.82	$59.92	11.8%

Utilities

Item	Hearne	National avg.	Difference
All Electricity	$152.98	$193.99	21.1%
Phone	$207.96	$192.25	8.2%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Lake Bryan, TX	1,270	80	19.6%
Calvert, TX	1,479	83	16.5%
Franklin, TX	1,585	86	14.2%
Bryan, TX	85,645	93	7.0%
Hearne, TX	4,421	83	17.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Valdese, NC	4,420	89	11.2%
Park Layne, OH	4,420	87	12.7%
Antigonish, NS	4,419	n/a
Windom, MN	4,423	88	12.3%
Winnfield, LA	4,418	80	20.2%
Hearne, TX	4,421	83	17.3%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Hearne, TX