countyscore
49.5
County Score
Cost of Living 92.8Disaster Risk 69.3Schools 60.5

County Report Card

About Floyd County, Texas

Competing Closely with National Medians

Floyd County posts a composite score of 49.5, nearly matching the national median of 50.0. It is a strong competitor among rural counties on the national stage.

Exceeding the Texas State Average

At 49.5, the county significantly outperforms the Texas state average of 41.9. It ranks as one of the more balanced rural options in the High Plains region.

Top-Tier Housing Affordability

Affordability is the county's standout feature, with a cost score of 92.8 and median gross rent at just $587. It also maintains a healthy risk score of 69.3.

Health Access and Income Growth

The health score is a significant low point at 9.8, alongside an income score of 26.3. These numbers suggest a need for more diverse local employment and better medical access.

A Haven for Thrifty Residents

Floyd County is perfect for individuals looking to minimize their cost of living while maintaining safety. It is ideal for those who want their income to go as far as possible.

Score breakdown

Tax32.6Cost92.8Safety41.7Health9.8Schools60.5Income26.3Risk69.3Water46.4Weather56.5
🏛32.6
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠92.8
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼26.3
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡41.7
Safety
Violent and property crime rates per 100K residents
CrimeByCounty →
❤9.8
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓60.5
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty →
⚡69.3
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧46.4
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty →
🌤56.5
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty →
🪨21.6
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty →
🌱30.6
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty →
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty →
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Nearby counties

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Deep Dives

Floyd County across the ByCounty Network

Detailed analysis from 10 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

Safety in Floyd County

via CrimeByCounty

Floyd County remains a safe choice

With a safety score of 97.9, Floyd County is considerably safer than the typical American community. Its total crime rate of 1,318.3 per 100,000 residents is nearly half the national average.

Above average safety in Texas

Two local reporting agencies confirm a safety score that exceeds the Texas average of 96.8. Floyd's total crime rate of 1,318.3 is significantly lower than the statewide average of 2,052.5.

Comparative safety in the region

Floyd County's crime rate is slightly higher than Fayette's 1,249.8 but lower than Franklin's 2,029.7. It offers a balanced safety profile compared to its rural Texas peers.

Understanding the crime mix

Violent crime in Floyd County is 297.1 per 100,000 residents, staying below the national average of 369.8. Property crime accounts for 1,021.2 incidents, representing the vast majority of local law enforcement activity.

Simple steps for better protection

Residents should focus on preventing property theft by locking vehicles and securing outbuildings. Maintaining clear sightlines around the home can deter intruders and keep these safety numbers strong.

Full safety analysis on CrimeByCounty

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

Schools in Floyd County

via SchoolsByCounty

A Unique Mix of Traditional and Charter

Floyd County serves 1,089 students through seven public schools and two districts. Notably, three of these schools are charters, representing nearly 43% of the total educational options in the county.

Efficient Spending and Competitive Outcomes

The graduation rate stands at 90.5%, beating the national average and approaching the Texas state average. Spending is robust at $8,139 per student, reflecting a commitment to education funding that exceeds state norms.

Collegiate Focus in Floydada

Floydada Collegiate ISD is the larger district, managing five schools and 684 students. Lockney ISD supports the remainder of the county's students across four campuses, maintaining a traditional district structure.

Small Campuses with Specialized Roles

Schools here are intimate, with an average enrollment of just 156 students. A.B. Duncan Collegiate Elementary is the largest campus at 332 students, while Lockney High School serves a small cohort of 134.

Living Near Floyd County Schools

Homebuyers in Floyd County can choose between the collegiate-focused charter system in Floydada or the traditional setting in Lockney. Use our data to compare these neighboring districts before your next move.

Full schools analysis on SchoolsByCounty

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

Weather & Climate in Floyd County

via WeatherByCounty

High Plains Cool and Dry

Floyd County averages 59.5°F annually, making it one of the cooler regions in the southern United States. Its semi-arid climate produces significantly less rainfall than the national average, totaling just 20.7 inches per year.

Cooler Than the State Average

While most of Texas swelters, Floyd County stays 6 degrees cooler than the state average of 65.5°F. It also records 4.2 inches of annual snowfall, which is rare for the vast majority of the state.

Consistent with the Panhandle

Floyd shares the dry, breezy characteristics of its High Plains neighbors like Hale and Crosby counties. It remains drier than the rolling plains to its east but experiences more consistent winter freezes than counties to its south.

Milder Summers and Cold Winters

The county enjoys fewer extreme heat days than its southern neighbors, totaling 78 days per year above 90°F. January is brisk with an average of 38.7°F, supported by a winter average of 40.3°F.

Invest in Year-Round Protection

Residents need a balance of heavy winter coats for the 4.2 inches of snow and light summer gear for the 80.2°F July heat. Irrigation is a primary concern for local property owners given the limited 20.7 inches of annual precipitation.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Floyd County

via SoilByCounty

Alkaline Plains of Floyd County

The soil in Floyd County is highly alkaline, with an average pH of 7.62. This sits well above the national median of 6.5 and exceeds the Texas average of 7.09. Data on the specific taxonomic order remains limited for this region.

Balanced Sands and Silts

The composition is dominated by 51.0% sand, complemented by 25.7% silt and 22.4% clay. This mixture suggests a texture that is relatively easy to work while maintaining some structure. The high sand percentage helps with aeration in the semi-arid High Plains environment.

Steady Moisture Storage for the Panhandle

Organic matter stands at 1.44%, which is slightly below the state average of 1.66%. However, the available water capacity of 0.137 in/in is better than the Texas average. This helps crops survive the unpredictable rainfall patterns of the region.

High Runoff Risk on Flat Ground

Floyd County belongs to hydrologic group D, which indicates a high potential for water runoff. When heavy rains do arrive, the soil surface can seal quickly, preventing deep water penetration. Careful land leveling and terracing are often used here to capture every drop of moisture.

Gardening in Hardiness Zone 7b

The cooler winters of Zone 7b allow for a variety of hardy crops and traditional High Plains agriculture. High-pH tolerant plants are your best bet for a successful home garden in this environment. Despite a soil score of 21.6, dedicated soil building can lead to impressive yields.

Full soil quality analysis on SoilByCounty

Lawn Care in Floyd County

via LawnByCounty

Lawn Care on the High Plains

Floyd County's lawn difficulty score is 30.6, making it slightly more challenging than the average Texas county. Located in Zone 7b, the region faces cooler winters and a much drier environment than the national average. Success requires a strategic approach to soil management and supplemental irrigation.

Low Rainfall and Cooler Winters

With only 20.7 inches of annual precipitation, Floyd County is significantly drier than the Texas state average of 31.9 inches. The 4,732 growing degree days reflect a shorter, cooler growing season compared to much of the state. Homeowners must bridge the 10-inch moisture gap to maintain a traditional green lawn.

Managing Sandy Alkaline Soils

The soil pH is 7.62, which is notably alkaline and may require treatment to help grass access essential nutrients. The soil contains 51.0% sand and 22.4% clay, suggesting a texture that may require frequent, light watering to keep roots hydrated. Local gardeners should monitor for nutrient deficiencies that are common in high-pH environments.

Tackling Severe Local Drought

Severe drought currently impacts over 76% of the county, following 26 weeks of drought conditions in the past year. Water conservation is vital, and choosing drought-resistant varieties is the best defense against these harsh conditions. Grouping plants with similar water needs can help maximize every gallon used.

Planting for the 7b Climate

Buffalograss and Blue Grama are ideal choices for this region's low rainfall and alkaline soil. The planting window starts later than in southern Texas, beginning after the last frost on April 7. Be prepared for the first frost by November 3, which signals the end of the active growing period for warm-season grasses.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Floyd County's county score?
Floyd County, Texas has a composite county score of 49.5 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Floyd County rank among counties in Texas?
Floyd County ranks #64 among all counties in Texas on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Floyd County, Texas?
The median annual property tax in Floyd County is $1,090, with an effective tax rate of 1.08%. This earns Floyd County a tax score of 32.6/100 on CountyScore (higher = lower taxes).
What is the median household income in Floyd County?
The median household income in Floyd County, Texas is $55,461 per year according to U.S. Census Bureau data. Floyd County earns an income score of 26.3/100 on CountyScore.
Is Floyd County, Texas a good place to live?
Floyd County scores 49.5/100 on CountyScore's overall county ranking, ranking #64 in Texas. The best way to evaluate Floyd County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Floyd County with other counties side by side.

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🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality🌤Weather & Climate🪨Soil Quality🌱Lawn Care🛒Farmers Markets

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