Hall County's composite score of 72.4 substantially exceeds the national median of 50.0, placing it among the top-performing counties nationally for livability. This 45 percent advantage reflects exceptional value for cost-conscious Americans seeking affordable living.
2 / 5
Leading Texas counties in composite livability
Hall County scores 72.4 against the Texas state average of 66.8, claiming the highest score in this eight-county comparison and ranking among the state's most livable counties. This strong standing reflects consistent excellence across measured dimensions.
3 / 5
Unmatched affordability with reasonable taxes
Hall County dominates on cost with a score of 90.1, featuring the lowest median home value at $80,200 and the cheapest rent at $610 monthly across this entire group. The tax score of 68.2 with an effective rate of 1.212% completes an unbeatable affordability package.
4 / 5
Income potential represents the trade-off
The income score of 13.9 and median household income of $46,728 reflect the lowest earning potential on this list, reflecting rural economic realities. Data limitations on safety, schools, health, and environmental factors prevent fuller livability assessment.
5 / 5
Best value for those prioritizing affordability
Hall County is the ultimate destination for those seeking maximum livability at minimum cost, particularly retirees and those on fixed or modest incomes. The county's exceptional affordability creates a compelling case for anyone willing to accept rural life in exchange for financial freedom.
Hall County's composite score of 72.4 substantially exceeds the national median of 50.0, placing it among the top-performing counties nationally for livability. This 45 percent advantage reflects exceptional value for cost-conscious Americans seeking affordable living.
Leading Texas counties in composite livability
Hall County scores 72.4 against the Texas state average of 66.8, claiming the highest score in this eight-county comparison and ranking among the state's most livable counties. This strong standing reflects consistent excellence across measured dimensions.
Unmatched affordability with reasonable taxes
Hall County dominates on cost with a score of 90.1, featuring the lowest median home value at $80,200 and the cheapest rent at $610 monthly across this entire group. The tax score of 68.2 with an effective rate of 1.212% completes an unbeatable affordability package.
Income potential represents the trade-off
The income score of 13.9 and median household income of $46,728 reflect the lowest earning potential on this list, reflecting rural economic realities. Data limitations on safety, schools, health, and environmental factors prevent fuller livability assessment.
Best value for those prioritizing affordability
Hall County is the ultimate destination for those seeking maximum livability at minimum cost, particularly retirees and those on fixed or modest incomes. The county's exceptional affordability creates a compelling case for anyone willing to accept rural life in exchange for financial freedom.
Score breakdown
5 dimensions have live data. 3 more coming as vertical sites launch.
🏛68.2
Property Tax
Effective property tax rate vs national benchmarks
Hall County's effective tax rate of 1.212% ranks among the lowest in this analysis and below the Texas state average of 1.276%. With a median property tax of just $972 on homes valued at $80,200, Hall offers Texas's most affordable property tax environment in this group.
Hall County among Texas's cheapest
At 1.212% effective rate and $972 median annual taxes, Hall County ranks among the most tax-friendly counties in the state. Its median tax falls $1,221 below the Texas state average of $2,193, reflecting both low rates and modest property values.
Hall leads Panhandle on affordability
Hall County homeowners pay just $972 annually, significantly less than nearby Hale County ($1,471) or Gray County ($1,435). Its 1.212% rate and lowest-value homes make Hall the Panhandle's most affordable county.
Hall County property tax estimate
The median home in Hall County, valued at $80,200, carries an annual property tax bill of approximately $972—the lowest in this analysis. With mortgage assessments included, homeowners pay around $1,550 annually.
Even small savings matter in Hall
Hall County residents paying below-average taxes should still verify their assessments are accurate. A free appeal to the appraisal district can ensure your property value isn't inflated and keeps your already-low bill competitive.
At 15.7%, Hall County's rent-to-income ratio is notably below the national average of 18.1%, offering renters one of the most affordable housing burdens in the country. The median rent of $610 is among the lowest, reflecting a genuinely accessible rental market.
Texas's most affordable rental market
Hall County's 15.7% rent-to-income ratio significantly undercuts the Texas state average of 18.1%, making it one of the most affordable counties in the state. The median home value of $80,200 is the lowest among all eight counties, delivering deep discounts to buyers.
Cheapest rents among all peers
Hall's $610 median rent is the lowest among all eight counties, undercutting Hale County ($798), Gonzales ($837), and all others by substantial margins. The county stands out as the genuine affordability leader in this regional cluster.
Housing costs leave room to breathe
Renters in Hall pay just $610 monthly (15.7% of the $46,728 median income), while homeowners pay $495 (12.7%)—the lowest absolute costs in the eight-county set. Both groups enjoy significant income flexibility for other expenses and savings.
Hall County is the affordability champion
If you're relocating to maximize housing affordability and stretch your budget, Hall County delivers the lowest rents, lowest home values, and lowest rent-to-income ratio in this entire region. Compare these numbers to your current housing costs—the savings could be transformative.
Hall County's median household income of $46,728 is 37.5% below the U.S. median of $74,755. The county ranks among Texas's lowest-income areas, facing structural economic challenges.
Lowest income in Texas group
At $46,728, Hall County lags the state median of $64,737 by 27.8%, the widest gap in this comparison group. The per-capita income of $24,649 is the lowest among all eight counties, indicating severe earning constraints.
Struggling rural economy
Hall County ($46,728) ranks lowest by far, significantly trailing Hale County ($52,788) and all other comparison counties. The minimal per-capita income of $24,649 reflects limited job options and economic opportunity.
Low costs offset low income
Hall County's rent-to-income ratio of 15.7% is the lowest in the group, offering affordability relief. The median home value of $80,200 is the most affordable, making homeownership technically accessible despite constrained household budgets.
Focus on income growth first
Hall County residents face urgent financial challenges requiring immediate focus on income stability and skill development. Pursue education, training, and job placement services to increase earning potential before attempting wealth-building strategies.
Hall County residents live an average of 74.2 years, placing the county 4.7 years below the U.S. life expectancy of 78.9 years. The county's 23.5% poor or fair health rate exceeds the national average of 18%, suggesting underlying health challenges across the population.
Matches state average with insurance gaps
At 74.2 years, Hall County's life expectancy matches the Texas state average of 74.3 years precisely. However, the county's 25.1% uninsured rate is the highest in this eight-county group and significantly exceeds the state average of 19.8%—a major access barrier.
Uninsured rate far exceeds regional peers
Hall County's 25.1% uninsured rate stands 6 to 11 percentage points above every neighbor in this cluster, from Grayson (18.5%) to Gray (21.5%). Provider data for Hall is limited, but the county's exceptionally high uninsured rate suggests residents face significant obstacles reaching whatever healthcare infrastructure exists.
Uninsured crisis dominates local healthcare
One in 4 Hall County residents (25.1%) lack health insurance—the highest uninsured rate in this region—leaving them vulnerable to medical bankruptcy and untreated illness. Limited provider data makes it difficult to assess local healthcare infrastructure, but uninsured status means even available providers are out of reach for many residents.
Breaking Hall County's uninsured crisis
If you're part of Hall County's 25.1% uninsured population, getting coverage is an urgent priority. Visit Healthcare.gov, apply for Texas Medicaid, or contact a community health center—coverage exists, and your health depends on claiming it.
With a composite risk score of 34.61, Hall County ranks as very low—significantly below the Texas state average of 49.00 and among the safest counties nationally. The county's risk profile is substantially more favorable than most Texas communities.
Texas's safest county overall
Hall County ranks at the bottom of Texas's disaster risk scale, with most hazards scoring well below state averages. Flood risk of only 3.79 and hurricane risk of 19.07 are exceptionally low, making the county one of the state's most resilient.
Significantly safer than regional peers
Hall County's score of 34.61 is dramatically lower than neighboring Hale County (78.44) and Grayson County (80.31). The county's interior Texas Panhandle location shields it from coastal storm systems and major flood corridors.
Wildfire is only notable concern
Hall County's wildfire risk of 74.40 is the only hazard scoring above state averages, reflecting the Panhandle's grassland environment. All other risks—flood (3.79), tornado (31.68), hurricane (19.07)—are exceptionally low compared to regional and state benchmarks.
Standard coverage is generally sufficient
Hall County's very low overall risk means most residents can rely on standard homeowners insurance; flood insurance is rarely necessary. Focus on wildfire preparedness by maintaining defensible space and clearing dead vegetation, particularly in rural areas prone to grassland fires.