Cost of Living in Stephenville, TX
Population 21,345 · Texas · Data vintage 2023
(100 = US avg)
Stephenville sits on the smaller end of the Texas city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible. At 6.8%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Located 65 miles southwest of Fort Worth, Stephenville is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 18% lower than Fort Worth's $277,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Stephenville
The median home value in Stephenville is $226,300 — 26% below the national median of $305,000. Median rent runs $1,128/month, 14% lower than the national median of $1,314/month. The median household income of $55,504/year is 26% lower than the US median of $74,580. The local unemployment rate is 6.8%, above the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 78.7°F and lows of 51.2°F. Overall, Stephenville has a cost of living index of 79 versus the US average of 100, meaning it is 21% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 59 | 63 | 70 | 79 | 86 | 93 | 97 | 98 | 90 | 81 | 69 | 61 |
| Low °F | 31 | 35 | 42 | 50 | 60 | 68 | 71 | 70 | 63 | 52 | 41 | 33 |
| Precip" | 1.84 | 2.16 | 2.82 | 2.91 | 4.97 | 3.33 | 1.99 | 2.96 | 3.32 | 3.32 | 2.33 | 2.18 |
| Snow" | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 |
Frequently Asked Questions
What is the cost of living in Stephenville, TX?
Stephenville has a cost index of 79 (100 = national average). It is 21% below the national average.
What is average rent in Stephenville, TX?
The median gross rent in Stephenville is $1,128 per month based on 2023 Census data.
What is the average home price in Stephenville?
The median home value in Stephenville is $226,300 according to Zillow and Census data.
What is the median income in Stephenville?
The median household income in Stephenville is $55,504 per year (2023 ACS 5-year estimates).
What is the sales tax in Stephenville, TX?
The combined state and local sales tax rate in Stephenville is 8.2%. Texas has no state income tax.
Is Stephenville, TX affordable?
Yes, Stephenville is generally considered affordable, with a cost of living index of 79 — about 21% below the US national average of 100.
What is the weather like in Stephenville?
Stephenville has average high temperatures of 78.7°F and average lows of 51.2°F. Annual precipitation is 34.1". Average annual snowfall is 0.7". Data from NOAA 1991–2020 Climate Normals.
Stephenville at a Glance
- Population
- 21,345
- Median Income
- $55,504
- Home Value
- $226,300
- Median Rent
- $1,128/mo
- Unemployment
- 6.8%
- Avg High Temp
- 78.7°F
- Sales Tax
- 8.2%
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