B+

Shallowater, TX

Source:

Affordability Score: 77/100

Population: 5,369 · 1 ZIP codes

The affordability dashboard for Shallowater, TX aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 5,369 residents, then layers in county-level federal data to produce an overall grade of B+ (77/100). The headline inputs are median household income of $96,128, median home value of $210,100, median rent of $1,124 per month, and 29.0% 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 $1,175 per month (studio $818, 1BR $990, 3BR $1,634, 4BR $1,940). Department of Labor data lists infant center-based childcare at $7,592 per year, consuming 8% 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. Strengths visible in the raw data for Shallowater, TX include income, housing, rent, childcare. Unemployment currently reads 3.5% and poverty 6.9% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B+
$96,128
Median household income
Education D
29.0%
Bachelor's degree or higher
Housing A
2.2x
Home value $210,100 vs income
Commute B-
22 min
Average commute time
Rent A+
$1,175/mo
2BR fair market rent (15% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare A-
$7,592/yr
Center-based infant care (8% of income)

Income & Employment

Median Income
$96,128
▲ 55% vs national
Per Capita Income
$39,133
Unemployment Rate
3.5%
Poverty Rate
6.9%

Housing

Median Home Value
$210,100
▼ 24% vs national
Median Rent
$1,124/mo
Owner Occupied
80.1%
2BR Fair Market Rent
$1,175/mo
▼ 2% vs national

Fair Market Rents by Bedroom

Studio
$818
1BR
$990
2BR
$1,175
3BR
$1,634
4BR
$1,940

Safety

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

Education & Family

Bachelor's Degree+
29.0%
▼ 1 ppt vs national
High School+
58.2%
Median Age
36.6
Avg. Commute
22 min
▼ 4 min vs national

Childcare Costs

Infant (Center)
$7,592/yr
8% of income
Toddler (Center)
$7,176/yr
Preschool (Center)
$6,968/yr
School-Age (Center)
$6,656/yr

What This Means

Shallowater, TX receives an overall affordability grade of B+ (77/100), aggregated from 1 ZIP codes with a total population of 5,369. This area performs well in income and housing and rent and childcare. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Shallowater ZIP Codes
View all 1 ZIP codes with demographics and individual scorecards
View ZIPs →

What are common questions about this dashboard?

Is Shallowater, TX affordable?
Shallowater, TX receives an overall affordability grade of B+ (77/100) based on Census, HUD, FBI, and DOL data. Median household income is $96,128. Median home value is $210,100.
What is the cost of living in Shallowater?
Key cost metrics: Median rent $1,124/mo. 2BR fair market rent $1,175/mo. Infant childcare $7,592/yr. Median home value $210,100.
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 →