Hopkins County's composite score of 68.7 substantially surpasses the national median of 50.0, placing it in the upper tier of American counties. This strength reflects a well-balanced livability profile.
2 / 5
Among Texas's Strongest Counties
Hopkins scores 68.7 versus Texas's state average of 66.8, ranking it in the upper tier of Texas counties. This edge comes from balanced strengths across taxes, costs, and income.
3 / 5
Low Taxes and Affordable Housing
Hopkins delivers a tax score of 72.1 and cost score of 76.9, backed by an effective tax rate of 1.073% (the lowest in this group) and median home value of $193,200. Median rent of $1,038/month is reasonable for the region.
4 / 5
Modest Income Levels and Gaps
The income score of 25.6 reflects median household income of $64,725, suggesting limited high-wage employment or professional opportunities. Safety, health, school, and water data remain unavailable for a complete assessment.
5 / 5
For Tax-Conscious Rural Families
Hopkins suits middle-class families, retirees, and remote workers seeking a low-tax, affordable small-town environment. It's a reliable, balanced choice for those who've secured stable income elsewhere.
Hopkins County's composite score of 68.7 substantially surpasses the national median of 50.0, placing it in the upper tier of American counties. This strength reflects a well-balanced livability profile.
Among Texas's Strongest Counties
Hopkins scores 68.7 versus Texas's state average of 66.8, ranking it in the upper tier of Texas counties. This edge comes from balanced strengths across taxes, costs, and income.
Low Taxes and Affordable Housing
Hopkins delivers a tax score of 72.1 and cost score of 76.9, backed by an effective tax rate of 1.073% (the lowest in this group) and median home value of $193,200. Median rent of $1,038/month is reasonable for the region.
Modest Income Levels and Gaps
The income score of 25.6 reflects median household income of $64,725, suggesting limited high-wage employment or professional opportunities. Safety, health, school, and water data remain unavailable for a complete assessment.
For Tax-Conscious Rural Families
Hopkins suits middle-class families, retirees, and remote workers seeking a low-tax, affordable small-town environment. It's a reliable, balanced choice for those who've secured stable income elsewhere.
Score breakdown
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🏛72.1
Property Tax
Effective property tax rate vs national benchmarks
At 1.073%, Hopkins County's effective tax rate falls below the national median of 1.199%, ranking it in the 30th percentile nationally. The median property tax of $2,072 on a $193,200 home remains well below the national median tax of $2,690.
Below Texas average
Hopkins County's 1.073% effective rate sits comfortably below Texas's 1.276% state average, making it one of the most tax-friendly counties statewide. The median property tax of $2,072 is among the lowest in this group and 5% below the state median of $2,193.
Most affordable in Northeast Texas
Hopkins County's 1.073% rate beats Henderson (0.981%) for competitive tax relief in this region and substantially undercuts Hemphill (1.164%) and Hill (1.234%). It's a strong choice for Northeast Texas property owners prioritizing tax efficiency.
What $193,200 home costs yearly
A median-priced Hopkins County home generates $2,072 in annual property taxes under standard conditions, or $2,311 with a mortgage. At roughly $173 per month, it's among the lowest property tax burdens profiled here.
Confirm assessment accuracy
Even in favorable-rate counties like Hopkins, overassessment occurs—review your assessment against recent comparable sales in your neighborhood. A formal appeal costs nothing and often succeeds, particularly for rural or recently appreciated properties.
Hopkins County renters dedicate 19.2% of income to rent—above the national standard—despite median income of $64,725 trailing the national median ($74,755). The $1,038 monthly rent here reflects Northeast Texas's gradual shift from rural to commuter-belt status.
Slightly above state affordability norms
Hopkins's 19.2% rent-to-income ratio edges past Texas's 18.1% state average, placing it in the less affordable tier of Texas counties. The $1,038 rent is 7.8% higher than the state median, signaling increased demand from Dallas-area commuters.
Pricier than rural counties, cheaper than metro
Hopkins's $1,038 rent sits between Henderson ($978) and Hays ($1,417), reflecting its position as a bedroom-community bridge. Owner costs at $832 monthly mirror Henderson's $809 and undercut Hays's $1,787, suggesting more moderate real estate appreciation.
Housing takes 31% of income
Renters spend 19.2% ($1,038) of the $64,725 median income on rent, while homeowners allocate 15.5% ($832) to mortgages—combined 34.7%. This leaves households with less cushion than lower-rent counties, particularly as inflation rises.
Commuter option with trade-offs
Hopkins works for Dallas area workers seeking smaller-town life: $1,038 rents and $193,200 homes beat metro prices, though the 19.2% rent burden is creeping up. Compare carefully with Hill County ($929) or Henderson ($978) if affordability matters more than commute convenience.
Hopkins County's median household income of $64,725 falls $10,030 short of the U.S. median of $74,755, representing a 13.4% gap. The county ranks in the lower-middle tier of American communities by earnings.
Near Texas state average income
Hopkins County's median household income of $64,725 exceeds Texas's state average of $64,737 by just $12, placing it almost exactly at the state midpoint. Per capita income of $32,536 runs marginally below the state average of $33,197.
Typical for rural North Texas region
Hopkins County's $64,725 median income closely matches Henderson County ($63,955) and Hill County ($63,147), reflecting similar rural economies in the region. The county trails the high-income growth corridors of Hays and Hood counties.
Housing costs slightly elevated
Hopkins County's rent-to-income ratio of 19.2% approaches the threshold of affordability strain, with housing consuming roughly 1 in 5.2 dollars of gross income. Median home values of $193,200 are accessible but represent a significant commitment for median-earning households.
Disciplined saving unlocks financial progress
Hopkins County households should establish budgets that account for the 19.2% housing cost burden while carving out savings for emergencies and retirement. Even modest, consistent investments can compound into meaningful wealth over decades of disciplined financial stewardship.
Hopkins County's 74.0-year life expectancy matches the U.S. average of 74.5 years almost exactly, though 20.7% report poor or fair health. The county mirrors national trends, suggesting middle-of-the-pack health outcomes.
Right at Texas average on longevity
Hopkins County's 74.0-year life expectancy nearly matches the Texas average of 74.3 years, and its 20.3% uninsured rate closely mirrors the state average of 19.8%. The county represents typical Texas health performance.
Hopkins middle ground among peers
Hopkins County's 74.0-year life expectancy falls between high performers like Hays County (79.4 years) and low performers like Hill County (72.6 years). Its 20.3% uninsured rate is middling, better than Hidalgo (30.2%) but worse than Hood County (16.6%).
Limited primary care, decent mental health
Hopkins County has just 24 primary care providers per 100,000 residents but 89 mental health providers per 100,000, showing mental health strength. At 20.3% uninsured, a significant portion of residents struggle to access even these limited primary care options.
Insurance opens doors to local care
With only 24 primary care providers per 100K in Hopkins County, having coverage ensures you can reach the doctors available. Check healthcare.gov for Medicaid and marketplace plans that fit your family's budget.
Hopkins County's composite risk score of 71.22 ranks it as "Relatively Low" but above the national average. The northeast Texas county's exposure to tornadoes and other severe weather drives this moderate-to-above-average profile.
Higher-risk than typical Texas county
With a score of 71.22 versus Texas's state average of 49.00, Hopkins County ranks as above-average for the state. The county's northeast Texas location places it in a region of elevated tornado and flood activity.
Mid-range risk in northeast Texas region
Hopkins County's 71.22 score is very comparable to nearby Hill County (72.96) and Hood County (70.52), placing it squarely in the mid-risk band for central-northeast Texas. Henderson County to the south ranks higher at 84.54.
Tornadoes and flooding are primary threats
Tornado risk of 91.95 is your leading hazard, followed by flood risk of 58.05 and wildfire risk of 65.65. Earthquake risk of 45.26 is moderate but meaningful for the northeast Texas region.
Strong wind coverage and flood insurance matter
Hopkins County residents should ensure homeowners insurance includes comprehensive wind/hail coverage for tornado season and consider separate flood insurance for at-risk properties. Review flood zone maps for your address and upgrade coverage if you're in a vulnerable area.