C-

Hearne, TX

Source:

Affordability Score: 51/100

Population: 6,981 · 1 ZIP codes

The affordability dashboard for Hearne, TX aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 6,981 residents, then layers in county-level federal data to produce an overall grade of C- (51/100). The headline inputs are median household income of $52,639, median home value of $160,000, median rent of $665 per month, and 16.6% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,186 per month (studio $1,025, 1BR $1,082, 3BR $1,649, 4BR $1,928). Department of Labor data lists infant center-based childcare at $8,008 per year, consuming 15% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education. Unemployment currently reads 11.0% and poverty 22.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income F
$52,639
Median household income
Education F
16.6%
Bachelor's degree or higher
Housing B-
3.0x
Home value $160,000 vs income
Commute B
20 min
Average commute time
Rent C
$1,186/mo
2BR fair market rent (27% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$8,008/yr
Center-based infant care (15% of income)

Income & Employment

Median Income
$52,639
▼ 15% vs national
Per Capita Income
$30,885
Unemployment Rate
11.0%
Poverty Rate
22.0%

Housing

Median Home Value
$160,000
▼ 42% vs national
Median Rent
$665/mo
Owner Occupied
69.7%
2BR Fair Market Rent
$1,186/mo
▼ 1% vs national

Fair Market Rents by Bedroom

Studio
$1,025
1BR
$1,082
2BR
$1,186
3BR
$1,649
4BR
$1,928

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
16.6%
▼ 13 ppt vs national
High School+
57.6%
Median Age
41.1
Avg. Commute
20 min
▼ 6 min vs national

Childcare Costs

Infant (Center)
$8,008/yr
15% of income
Toddler (Center)
$7,540/yr
Preschool (Center)
$7,332/yr
School-Age (Center)
$6,968/yr

What This Means

Hearne, TX receives an overall affordability grade of C- (51/100), aggregated from 1 ZIP codes with a total population of 6,981. Challenges include income and education. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Hearne ZIP Codes
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What are common questions about this dashboard?

Is Hearne, TX affordable?
Hearne, TX receives an overall affordability grade of C- (51/100) based on Census, HUD, FBI, and DOL data. Median household income is $52,639. Median home value is $160,000.
What is the cost of living in Hearne?
Key cost metrics: Median rent $665/mo. 2BR fair market rent $1,186/mo. Infant childcare $8,008/yr. Median home value $160,000.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →