Texas · GEOID 48169

Garza County

2024 ACS 5-year estimates · population 5,118 · 2,190 housing units

Median household income

$46,314

State $80,443

Median home value

$77,800

State $291,649

Median gross rent

$838

State $1,408

Homeownership rate

70.5%

State 62.6%

Renter cost-burden rate

17.1%

≥30% of income

Owner cost-burden rate

9.7%

≥30% of income

Homeowner vacancy

0.0%

Of owner-occupied + for-sale units

Rental vacancy

0.0%

Of renter-occupied + for-rent units

Overall vacancy

33.2%

All housing units

Price-to-income ratio

1.68

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Garza County	Texas
Population	5,118	30,188,424
Population density (per sq. mi.)	5.73	—
Median household income	$46,314	$80,443
HUD Area Median Income (4-person, 100%)	$78,000	—
Households	1,463	—
Average household size	2.60 people	—
Owner-occupied	70.5%	62.6%
Renter-occupied	29.5%	37.4%
Race	48.7% White · 10.1% 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

Garza County compared with Texas.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

10.2% 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	8.6%	$39,028	$976	$114,256
1 earner	53.9%	$41,793	$1,045	$124,548
2 earners	28.7%	$90,357	$2,259	$305,320
3+ earners	8.8%	$80,833	$2,021	$269,868

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

1,463

Average size: 2.60 people

Households with children

406

27.8% of households

Per-capita income

$23,966

Poverty rate: 4.5%

Section 2

Residential Market Analysis

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

Tenure

70.5% owner-occupied vs. state average 62.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 81.5% · Missing middle (2–19 units) 6.2%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

60.2% built before 1980 · Median structure age 1,973.00 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: $77,800.

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: $838.

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 727 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 0.0% · For rent 0.0% · Seasonal 30.3% · Other 57.5%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

12.2% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 87.8% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

10.0%

220 units of 2,190 total

⚑ Above the 10% threshold — meaningful pressure on year-round residents from second-home / short-term-rental demand.

"Other vacant" share of all housing

19.1%

418 units of 2,190 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

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$37,051

100% MHI$46,314

120% MHI$55,577

County-wide median from ACS 5-year estimates. A household at 100% MHI in Garza 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	$47,550	$54,350	$67,900
100% AMI	$54,600	$62,400	$78,000
120% AMI	$65,500	$74,900	$93,600

HUD FMR Area: Garza County, TX HUD Metro FMR Area. 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

17.1% of renter households spend ≥30% of income on rent (3.4% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

9.7% 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 Garza County.

Covered employment

1,114

Across 13 sectors

Establishments

145

QCEW 2024

Avg annual pay (workforce)

$57,926

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 56 Administrative and support and waste management and remediation services NAICS 56	272	$74,243	$245,338	+$167,538	$1,856
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	238	$77,390	$257,052	+$179,252	$1,935
NAICS 44-45 Retail trade NAICS 44-45	177	$24,646	$60,721	−$17,079	$616
NAICS 62 Health care and social assistance NAICS 62	101	$37,407	$108,222	+$30,422	$935
NAICS 92 Public administration NAICS 92	78	$49,723	$154,066	+$76,266	$1,243
NAICS 48-49 Transportation and warehousing NAICS 48-49	59	$103,504	$354,257	+$276,457	$2,588
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	58	$31,554	$86,435	+$8,635	$789
NAICS 81 Other services (except public administration) NAICS 81	51	$28,894	$76,534	−$1,266	$722
NAICS 42 Wholesale trade NAICS 42	45	$71,696	$235,857	+$158,057	$1,792
NAICS 53 Real estate and rental and leasing NAICS 53	12	$22,387	$52,313	−$25,487	$560
NAICS 52 Finance and insurance NAICS 52	12	$42,487	$127,132	+$49,332	$1,062
NAICS 54 Professional, scientific, and technical services NAICS 54	8	$52,519	$164,474	+$86,674	$1,313
NAICS 99 Unclassified NAICS 99	3	$20,769	$46,290	−$31,510	$519

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 213 Support activities for mining NAICS 213	205	$78,084	$259,636	+$181,836	$1,952
NAICS 722 Food services and drinking places NAICS 722	129	$14,502	$22,962	−$54,838	$363
NAICS 238 Specialty trade contractors NAICS 238	126	$54,080	$170,285	+$92,485	$1,352
NAICS 457 Gasoline stations and fuel dealers NAICS 457	70	$27,526	$71,442	−$6,358	$688
NAICS 445 Food and beverage retailers NAICS 445	60	$22,199	$51,613	−$26,187	$555
NAICS 921 Executive, legislative, and other general government support NAICS 921	38	$42,517	$127,243	+$49,443	$1,063
NAICS 922 Justice, public order, and safety activities NAICS 922	36	$52,874	$165,795	+$87,995	$1,322
NAICS 211 Oil and gas extraction NAICS 211	33	$73,079	$241,005	+$163,205	$1,827
NAICS 111 Crop production NAICS 111	27	$39,623	$116,471	+$38,671	$991
NAICS 423 Merchant wholesalers, durable goods NAICS 423	21	$62,577	$201,913	+$124,113	$1,564
NAICS 811 Repair and maintenance NAICS 811	21	$39,844	$117,293	+$39,493	$996
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	19	$25,397	$63,517	−$14,283	$635
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	12	$32,519	$90,027	+$12,227	$813
NAICS 491 Postal service NAICS 491	9	$49,899	$154,722	+$76,922	$1,247
NAICS 541 Professional, scientific, and technical services NAICS 541	8	$52,519	$164,474	+$86,674	$1,313
NAICS 924 Administration of environmental quality programs NAICS 924	3	$100,242	$342,115	+$264,315	$2,506
NAICS 624 Social assistance NAICS 624	3	$40,821	$120,930	+$43,130	$1,021
NAICS 999 Unclassified NAICS 999	3	$20,769	$46,290	−$31,510	$519

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	7,930	2,760	53%	$12.19	$25,360	$63,379	$634
Childcare Workers SOC 39-9011	620	(300)	(33%)	$12.77	$26,560	$67,846	$664
Cashiers SOC 41-2011	3,370	(190)	(5%)	$13.20	$27,450	$71,159	$686
Waiters and Waitresses SOC 35-3031	3,040	230	8%	$13.38	$27,820	$72,536	$696
Janitors and Cleaners SOC 37-2011	3,030	900	42%	$15.06	$31,320	$85,564	$783
Retail Salespersons SOC 41-2031	4,580	(740)	(14%)	$15.30	$31,830	$87,463	$796
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	1,490	(290)	(16%)	$16.43	$34,170	$96,173	$854
Tellers SOC 43-3071	430	(280)	(39%)	$17.23	$35,840	$102,389	$896
Office Clerks, General SOC 43-9061	5,440	(530)	(9%)	$18.31	$38,090	$110,764	$952
Construction Laborers SOC 47-2061	980	300	44%	$18.70	$38,900	$113,779	$973
Maintenance and Repair Workers, General SOC 49-9071	1,640	(140)	(8%)	$21.08	$43,840	$132,168	$1,096
Carpenters SOC 47-2031	280	(250)	(47%)	$21.43	$44,570	$134,885	$1,114
Electricians SOC 47-2111	690	120	21%	$24.75	$51,490	$160,644	$1,287
Paramedics SOC 29-2043 · prior-year code differs	170	(220)	(56%)	$25.81	$53,680	$168,796	$1,342
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	550	150	38%	$26.15	$54,380	$171,401	$1,360
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	2,200	280	15%	$26.26	$54,630	$172,332	$1,366
Elementary School Teachers, Except Special Education SOC 25-2021	1,840	(10)	(1%)	—	$57,270	$182,159	$1,432
Firefighters SOC 33-2011	410	—	—	$34.85	$72,490	$238,813	$1,812
Police and Sheriff's Patrol Officers SOC 33-3051	790	90	13%	$36.22	$75,340	$249,422	$1,884
Registered Nurses SOC 29-1141	5,070	1,390	38%	$42.14	$87,660	$295,281	$2,192

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: 48169 · pulled from Full Housing Data Table.xlsx.