CountyScore

Floyd County

Texas · TX

#70 in Texas
65.7
County Score

County Report Card

About Floyd County, Texas

Floyd County Ranks Among National Leaders

Floyd County's composite score of 74.2 significantly exceeds the national median of 50.0. Among the eight counties profiled, Floyd ranks as the second-highest nationally for overall livability.

Top Tier Within Texas

Floyd County scores 74.2, well above the Texas state average of 66.8, placing it in the upper echelon of Texas counties. It represents one of the strongest livability performers statewide.

Unmatched Affordability and Low Taxes

Floyd County excels with a cost score of 89.5 (the highest among all eight counties) and a tax score of 71.9 (1.079% effective rate). Median home values of $101,000 and rent of just $587/month make it exceptionally affordable.

Income Levels Remain Below Regional Median

Floyd County's income score of 19.6 reflects a median household income of $55,461, limiting earning potential despite affordability. Scores for schools, health, safety, and environmental factors remain unavailable.

Ideal for Cost-of-Living Minimalists

Floyd County suits retirees, remote workers, and frugal families seeking the lowest possible cost of living with reasonable taxes. It appeals to those willing to accept modest incomes in exchange for maximum financial independence and affordability.

Score breakdown

5 dimensions have live data. 3 more coming as vertical sites launch.

Tax71.9Cost89.5SafetyComing SoonHealth42SchoolsComing SoonIncome19.6Risk69.3WaterComing Soon
🏛71.9
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠89.5
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼19.6
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡Coming Soon
Safety
Violent and property crime rates per 100K residents
❤42
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓Coming Soon
Schools
Graduation rates, per-pupil spending, and attainment
⚡69.3
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧Coming Soon
Water Quality
EPA drinking water health violations and safety grades

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncomeincomebycounty.com
Compare Floyd County with another county →

Counties with similar scores

Clinch County
Georgia
65.7
Median income: $55,549
Jo Daviess County
Illinois
65.7
Median income: $74,954
Porter County
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65.7
Median income: $85,828
Osage County
Kansas
65.7
Median income: $70,216
Kenton County
Kentucky
65.7
Median income: $79,421

Deep Dives

Floyd County across the ByCounty Network

Detailed analysis from 5 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Floyd County

via TaxByCounty

Floyd County offers below-average tax burden

Floyd County's effective tax rate of 1.079% is just slightly above the national median of 1.026%, making it one of America's more tax-friendly counties. The median property tax of $1,090 is less than 41% of the national median of $2,690, reflecting the county's modest home values.

Among Texas's lowest-taxed counties

Floyd County's 1.079% effective rate is notably below Texas's state average of 1.276%, ranking it in the lower quarter of Texas counties for tax burden. The median property tax of $1,090 is significantly lower than the state average of $2,193, making it affordable for property owners.

Floyd ranks low in regional tax rates

Floyd County's 1.079% rate is much lower than Fisher County (1.705%) and Falls County (1.469%), nearly matching Fannin County (1.103%). It competes favorably with Fayette County (1.008%) and Franklin County (0.912%) as one of the region's most tax-efficient counties.

Annual tax on typical home: $1,090

A homeowner with the median home value of $101,000 in Floyd County pays approximately $1,090 annually in property taxes. With a mortgage, taxes increase to around $1,936; without one, they drop to about $868.

Even small assessments deserve review

Floyd County homeowners should verify their property assessments despite the county's overall low tax rates. An appeal filing is free and could provide modest but meaningful savings if your home was overvalued in the appraisal roll.

Full property tax analysis on TaxByCounty

Cost of Living in Floyd County

via CostByCounty

Floyd County ranks among nation's most affordable

Floyd County's 12.7% rent-to-income ratio crushes the national average, letting renters pocket most of their paychecks after housing costs. At $587 per month, the median rent is 39% below the national norm, positioning this Panhandle county among America's affordability champions.

Exceptional value in Texas housing market

Floyd County's 12.7% rent-to-income ratio beats Texas's state average of 18.1% by 5.4 percentage points, delivering some of the state's lowest housing burdens. This exceptional affordability places Floyd County in Texas's elite tier for rent-to-income performance.

Cheapest rents in the region

Floyd County's $587 median rent ranks lowest among the entire peer set, slightly undercutting Foard County ($577) and dramatically beating Fannin County ($994) by 41%. Home values at $101,000 remain modest, supporting the region's rock-bottom housing costs.

Minimal housing burden, modest incomes

Floyd County renters allocate just $587 monthly from a median household income of $55,461, translating to 12.7% of earnings dedicated to rent. Homeowners pay $567 monthly on properties valued at $101,000, demonstrating that genuine affordability persists across housing types.

Floyd County for maximum housing savings

Families seeking to minimize housing costs should seriously evaluate Floyd County's 12.7% rent-to-income ratio—among the nation's best. If your current housing burden exceeds Floyd's 12.7%, the math alone may justify relocating to the Texas Panhandle.

Full cost of living analysis on CostByCounty

Income & Jobs in Floyd County

via IncomeByCounty

Floyd County earns below national average

Floyd County's median household income of $55,461 falls 26% short of the national median of $74,755, creating a significant $19,294 annual income gap. This places Floyd in the lower-income quartile nationally, reflecting limited earning power in the county.

Trails Texas average by similar margin

At $55,461, Floyd County's median household income lags the Texas state average of $64,737 by $9,276 per household. The county's per capita income of $31,438 also falls below the state average of $33,197, indicating below-average earnings capacity across the board.

Among the lower earners regionally

Floyd County ($55,461) ties nearly with Falls County ($55,372) as the lowest-income counties in the F-cluster, exceeded only by Foard ($42,212). The county significantly trails Fayette ($76,541), Fannin ($68,377), Franklin ($66,800), and Fisher ($64,700).

Low housing costs offset modest income

Floyd County's rent-to-income ratio of 12.7% is among the best in the region, with a median home value of $101,000 representing just 1.8 years of median income. Affordable housing provides crucial financial relief for families earning below regional averages.

Build stability through careful planning

With modest income and affordable housing, Floyd County residents should prioritize debt elimination and emergency fund building before investing. Consider employer 401(k) matches as the first wealth-building step, then gradually add to savings as income grows or expenses decrease.

Full income & jobs analysis on IncomeByCounty

Health in Floyd County

via HealthByCounty

Floyd County faces health crisis

At 72.9 years, Floyd County's life expectancy is 6.1 years below the U.S. average of 79 years. Its 30.3% poor or fair health rate—the highest among surveyed counties—far exceeds the national average of 19%.

Floyd County's health crisis deepens

Floyd County's 72.9-year life expectancy is 1.4 years below the Texas average, and its 30.3% poor/fair health rate is severely elevated. These metrics place Floyd among Texas' most health-challenged counties.

Good provider access, poor health

Floyd County has 56 primary care providers per 100K and 39 mental health providers per 100K—solid numbers regionally—yet outcomes remain dire. This gap suggests barriers beyond provider supply shape health.

Uninsured crisis compounds problems

Nearly 1 in 4 Floyd County residents (24.9%) lack health insurance—significantly above the state average of 19.8%—leaving many without access to preventive care. The combination of high uninsured rates and high poor health rates creates a vicious cycle.

Getting covered is urgent here

Floyd County residents must prioritize enrollment: visit Healthcare.gov or contact your local health department immediately to secure coverage. Insurance access is a foundation for addressing the county's severe health disparities.

Full health analysis on HealthByCounty

Disaster Risk in Floyd County

via RiskByCounty

Floyd County faces low national risk

Floyd County's composite risk score of 30.73 falls well below the national average, earning a very low risk rating. Residents experience significantly less natural disaster threat than most Americans, though specific hazards require monitoring.

Below-average risk for Texas

At 30.73, Floyd County's composite score sits substantially below Texas's state average of 49.00, placing it among the state's safer counties. This favorable standing reflects geographic advantages that shield residents from many of the extreme events affecting other Texas areas.

Safer than Fannin but less protected than Fisher

Floyd County's risk score of 30.73 sits between the exceptional safety of Fisher County (1.94) and the higher exposure of Fannin County (68.13). The county matches regional peers in tornado risk but stands out for elevated wildfire vulnerability (73.31).

Wildfire risk exceeds other threats

Wildfire risk (73.31) substantially exceeds all other hazards in Floyd County, ranking among the state's highest for this hazard. Tornado risk (44.91) and hurricane risk (31.12) remain moderate, while flood (11.26) and earthquake (19.53) threats stay minimal.

Focus on wildfire home protection

Floyd County residents should prioritize defensible space maintenance and brush clearing around structures given wildfire risk of 73.31. Homeowners policies should explicitly cover wildfire damage; review coverage limits and consider adding protection for debris removal and additional living expenses.

Full disaster risk analysis on RiskByCounty

ByCounty Network

🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS — informational only.