Texas · GEOID 48097

Cooke County

2024 ACS 5-year estimates · population 43,046 · 17,944 housing units

Median household income

$73,932

State $80,443

Median home value

$240,400

State $291,649

Median gross rent

$1,047

State $1,408

Homeownership rate

71.8%

State 62.6%

Renter cost-burden rate

43.1%

≥30% of income

Owner cost-burden rate

18.0%

≥30% of income

Homeowner vacancy

0.6%

Of owner-occupied + for-sale units

Rental vacancy

1.1%

Of renter-occupied + for-rent units

Overall vacancy

7.9%

All housing units

Price-to-income ratio

3.25

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Cooke County	Texas
Population	43,046	30,188,424
Population density (per sq. mi.)	49.21	—
Median household income	$73,932	$80,443
HUD Area Median Income (4-person, 100%)	$99,400	—
Households	16,528	—
Average household size	2.57 people	—
Owner-occupied	71.8%	62.6%
Renter-occupied	28.2%	37.4%
Race	77.2% White · 3.2% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Cooke County compared with Texas.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

23.7% hold a bachelor's degree or higher (state: 33.8%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	13.5%	$63,750	$1,594	$206,280
1 earner	32.7%	$58,998	$1,475	$188,591
2 earners	41.9%	$118,256	$2,956	$409,169
3+ earners	11.9%	$149,688	$3,742	$526,170

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

16,528

Average size: 2.57 people

Households with children

5,118

31.0% of households

Per-capita income

$38,914

Poverty rate: 11.4%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

71.8% owner-occupied vs. state average 62.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 76.5% · Missing middle (2–19 units) 9.8%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

46.6% built before 1980 · Median structure age 1,983.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $240,400.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,047.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 1,416 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 4.7% · For rent 3.7% · Seasonal 37.9% · Other 44.8%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

17.2% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 82.8% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

3.0%

537 units of 17,944 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

3.5%

635 units of 17,944 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$59,146

100% MHI$73,932

120% MHI$88,718

County-wide median from ACS 5-year estimates. A household at 100% MHI in Cooke County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$55,650	$63,600	$79,500
100% AMI	$69,580	$79,520	$99,400
120% AMI	$83,500	$95,400	$119,300

HUD FMR Area: Cooke County, TX. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

43.1% of renter households spend ≥30% of income on rent (19.0% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

18.0% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Cooke County.

Covered employment

15,945

Across 19 sectors

Establishments

1,052

QCEW 2024

Avg annual pay (workforce)

$62,950

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	3,156	$73,905	$244,080	+$3,680	$1,848
NAICS 44-45 Retail trade NAICS 44-45	1,872	$38,681	$112,964	−$127,436	$967
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	1,834	$109,892	$378,036	+$137,636	$2,747
NAICS 72 Accommodation and food services NAICS 72	1,556	$24,259	$59,281	−$181,119	$606
NAICS 61 Educational services NAICS 61	1,548	$47,303	$145,058	−$95,342	$1,183
NAICS 62 Health care and social assistance NAICS 62	1,429	$48,891	$150,969	−$89,431	$1,222
NAICS 23 Construction NAICS 23	885	$60,567	$194,431	−$45,969	$1,514
NAICS 92 Public administration NAICS 92	699	$65,111	$211,346	−$29,054	$1,628
NAICS 52 Finance and insurance NAICS 52	619	$73,961	$244,288	+$3,888	$1,849
NAICS 42 Wholesale trade NAICS 42	536	$90,845	$307,136	+$66,736	$2,271
NAICS 81 Other services (except public administration) NAICS 81	448	$51,914	$162,222	−$78,178	$1,298
NAICS 54 Professional, scientific, and technical services NAICS 54	412	$74,427	$246,023	+$5,623	$1,861
NAICS 48-49 Transportation and warehousing NAICS 48-49	344	$67,021	$218,455	−$21,945	$1,676
NAICS 53 Real estate and rental and leasing NAICS 53	176	$65,125	$211,398	−$29,002	$1,628
NAICS 51 Information NAICS 51	144	$96,837	$329,441	+$89,041	$2,421
NAICS 22 Utilities NAICS 22	134	$102,448	$350,327	+$109,927	$2,561
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	104	$44,080	$133,061	−$107,339	$1,102
NAICS 71 Arts, entertainment, and recreation NAICS 71	36	$20,686	$45,981	−$194,419	$517
NAICS 99 Unclassified NAICS 99	13	$52,233	$163,409	−$76,991	$1,306

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 213 Support activities for mining NAICS 213	1,793	$110,980	$382,086	+$141,686	$2,775
NAICS 611 Educational services NAICS 611	1,548	$47,303	$145,058	−$95,342	$1,183
NAICS 722 Food services and drinking places NAICS 722	1,406	$24,300	$59,433	−$180,967	$608
NAICS 336 Transportation equipment manufacturing NAICS 336	1,149	$79,291	$264,128	+$23,728	$1,982
NAICS 238 Specialty trade contractors NAICS 238	587	$56,783	$180,346	−$60,054	$1,420
NAICS 455 General merchandise retailers NAICS 455	538	$29,655	$79,366	−$161,034	$741
NAICS 333 Machinery manufacturing NAICS 333	491	$69,824	$228,889	−$11,511	$1,746
NAICS 522 Credit intermediation and related activities NAICS 522	447	$75,758	$250,977	+$10,577	$1,894
NAICS 621 Ambulatory health care services NAICS 621	420	$52,182	$163,220	−$77,180	$1,305
NAICS 423 Merchant wholesalers, durable goods NAICS 423	414	$86,682	$291,640	+$51,240	$2,167
NAICS 541 Professional, scientific, and technical services NAICS 541	412	$74,427	$246,023	+$5,623	$1,861
NAICS 332 Fabricated metal product manufacturing NAICS 332	380	$57,086	$181,474	−$58,926	$1,427
NAICS 445 Food and beverage retailers NAICS 445	355	$26,226	$66,603	−$173,797	$656
NAICS 441 Motor vehicle and parts dealers NAICS 441	323	$64,636	$209,578	−$30,822	$1,616
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	292	$43,494	$130,880	−$109,520	$1,087
NAICS 561 Administrative and support services NAICS 561	279	$49,335	$152,622	−$87,778	$1,233
NAICS 623 Nursing and residential care facilities NAICS 623	278	$40,839	$120,997	−$119,403	$1,021
NAICS 811 Repair and maintenance NAICS 811	274	$62,663	$202,233	−$38,167	$1,567
NAICS 237 Heavy and civil engineering construction NAICS 237	229	$69,789	$228,759	−$11,641	$1,745
NAICS 484 Truck transportation NAICS 484	226	$68,967	$225,699	−$14,701	$1,724
NAICS 922 Justice, public order, and safety activities NAICS 922	224	$73,021	$240,789	+$389	$1,826
NAICS 326 Plastics and rubber products manufacturing NAICS 326	216	$57,660	$183,611	−$56,789	$1,442
NAICS 311 Food manufacturing NAICS 311	173	$61,840	$199,170	−$41,230	$1,546
NAICS 457 Gasoline stations and fuel dealers NAICS 457	169	$44,866	$135,987	−$104,413	$1,122
NAICS 721 Accommodation NAICS 721	150	$23,873	$57,844	−$182,556	$597
NAICS 221 Utilities NAICS 221	134	$102,448	$350,327	+$109,927	$2,561
NAICS 531 Real estate NAICS 531	118	$53,285	$167,325	−$73,075	$1,332
NAICS 921 Executive, legislative, and other general government support NAICS 921	114	$53,774	$169,146	−$71,254	$1,344
NAICS 523 Securities, commodity contracts, and other financial investments and related activities NAICS 523	104	$73,344	$241,992	+$1,592	$1,834
NAICS 812 Personal and laundry services NAICS 812	90	$34,807	$98,544	−$141,856	$870
NAICS 236 Construction of buildings NAICS 236	70	$61,262	$197,018	−$43,382	$1,532
NAICS 517 Telecommunications NAICS 517	70	$81,951	$274,030	+$33,630	$2,049
NAICS 524 Insurance carriers and related activities NAICS 524	67	$64,032	$207,329	−$33,071	$1,601
NAICS 491 Postal service NAICS 491	65	$62,496	$201,612	−$38,788	$1,562
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	64	$27,019	$69,554	−$170,846	$675
NAICS 112 Animal production and aquaculture NAICS 112	62	$43,321	$130,236	−$110,164	$1,083
NAICS 532 Rental and leasing services NAICS 532	58	$89,214	$301,065	+$60,665	$2,230
NAICS 456 Health and personal care retailers NAICS 456	52	$36,964	$106,573	−$133,827	$924
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	51	$29,100	$77,301	−$163,099	$728
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	50	$88,571	$298,672	+$58,272	$2,214
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	45	$34,003	$95,551	−$144,849	$850
NAICS 513 Publishing industries NAICS 513	45	$172,430	$610,823	+$370,423	$4,311
NAICS 488 Support activities for transportation NAICS 488	42	$65,283	$211,986	−$28,414	$1,632
NAICS 115 Support activities for agriculture and forestry NAICS 115	40	$43,270	$130,046	−$110,354	$1,082
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	28	$30,399	$82,136	−$158,264	$760
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	26	$19,919	$43,126	−$197,274	$498
NAICS 923 Administration of human resource programs NAICS 923	19	$55,526	$175,667	−$64,733	$1,388
NAICS 926 Administration of economic programs NAICS 926	15	$55,801	$176,691	−$63,709	$1,395
NAICS 999 Unclassified NAICS 999	13	$52,233	$163,409	−$76,991	$1,306
NAICS 711 Performing arts, spectator sports, and related industries NAICS 711	10	$22,682	$53,411	−$186,989	$567
NAICS 924 Administration of environmental quality programs NAICS 924	9	$58,025	$184,969	−$55,431	$1,451

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	12,240	2,900	31%	$12.35	$25,680	$64,570	$642
Childcare Workers SOC 39-9011	530	(580)	(52%)	$12.36	$25,710	$64,682	$643
Waiters and Waitresses SOC 35-3031	3,530	(20)	(1%)	$13.01	$27,050	$69,670	$676
Cashiers SOC 41-2011	6,680	(830)	(11%)	$13.62	$28,340	$74,472	$709
Retail Salespersons SOC 41-2031	7,050	(900)	(11%)	$15.83	$32,930	$91,557	$823
Janitors and Cleaners SOC 37-2011	3,540	(140)	(4%)	$16.26	$33,820	$94,870	$846
Tellers SOC 43-3071	990	(730)	(42%)	$17.28	$35,930	$102,724	$898
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,970	(1,510)	(34%)	$17.46	$36,310	$104,139	$908
Office Clerks, General SOC 43-9061	5,020	(4,560)	(48%)	$18.81	$39,120	$114,598	$978
Construction Laborers SOC 47-2061	2,920	300	11%	$20.45	$42,530	$127,292	$1,063
Maintenance and Repair Workers, General SOC 49-9071	3,500	120	4%	$22.94	$47,710	$146,573	$1,193
Carpenters SOC 47-2031	820	70	9%	$23.07	$47,990	$147,616	$1,200
Paramedics SOC 29-2043 · prior-year code differs	350	(120)	(26%)	$23.56	$49,000	$151,375	$1,225
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	5,680	(2,000)	(26%)	$25.22	$52,450	$164,217	$1,311
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	850	270	47%	$25.30	$52,630	$164,887	$1,316
Firefighters SOC 33-2011	540	180	50%	$25.95	$53,970	$169,875	$1,349
Elementary School Teachers, Except Special Education SOC 25-2021	2,940	(1,370)	(32%)	—	$56,170	$178,064	$1,404
Electricians SOC 47-2111	1,280	350	38%	$27.38	$56,940	$180,930	$1,424
Police and Sheriff's Patrol Officers SOC 33-3051	1,630	180	12%	$31.34	$65,200	$211,677	$1,630
Registered Nurses SOC 29-1141	4,390	70	2%	$41.60	$86,530	$291,075	$2,163

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 48097 · pulled from Full Housing Data Table.xlsx.