CountyScore

Navarro County

Texas · TX

#187 in Texas
58.9
County Score

County Report Card

About Navarro County, Texas

Navarro exceeds national livability median

Navarro County's composite score of 65.0 outperforms the national median of 50.0, placing it in the top 50% of U.S. counties. This solid positioning reflects balanced affordability and reasonable tax burden, making it competitive nationally.

Slightly below Texas state average

Navarro ranks just below Texas's state average composite score of 66.8, placing it in the middle tier of the state's 254 counties. This position suggests competitive livability with trade-offs typical of transitional counties between rural and suburban.

Balanced cost and tax profiles

Navarro delivers consistent middle-ground affordability with a cost score of 75.7 and tax score of 65.0, offering median homes at $159,900 and rents at $1,039. The effective tax rate of 1.325% and reasonable housing costs create accessible ownership pathways.

Income opportunities remain modest

The income score of 22.1 reflects median household income of $59,310, limiting upward earning potential for growth-minded households. Data on schools, safety, health care, and environmental factors remain unavailable, leaving important livability dimensions unscored.

Suited for balanced, middle-class living

Navarro appeals to families and workers seeking reasonable housing costs and tax burdens without requiring high incomes—a stable, middle-ground option. It works best for those valuing neighborhood consistency over rapid growth or extreme affordability.

Score breakdown

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

Tax65Cost75.7SafetyComing SoonHealth54.2SchoolsComing SoonIncome22.1Risk24.8WaterComing Soon
🏛65
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠75.7
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼22.1
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡Coming Soon
Safety
Violent and property crime rates per 100K residents
❤54.2
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓Coming Soon
Schools
Graduation rates, per-pupil spending, and attainment
⚡24.8
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 Navarro County with another county →

Counties with similar scores

Fairbanks North Star Borough
Alaska
58.9
Median income: $84,722
Howard County
Maryland
58.9
Median income: $146,982
Washtenaw County
Michigan
58.9
Median income: $87,156
Cape May County
New Jersey
58.9
Median income: $88,046
Chittenden County
Vermont
58.9
Median income: $94,310

Deep Dives

Navarro County across the ByCounty Network

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

Property Tax in Navarro County

via TaxByCounty

Navarro's rate exceeds the national norm

At 1.325%, Navarro County's effective tax rate is 4% above the national median of 1.276%, placing it in the upper half nationally. Homeowners here shoulder a slightly heavier property tax burden than average Americans.

Above average for Texas

Navarro County's 1.325% rate exceeds Texas's state average of 1.276% by 0.049 percentage points. Among Texas counties, Navarro is a moderate-to-high tax jurisdiction.

Navarro ranks mid-range regionally

At 1.325%, Navarro sits between its regional peers: higher than Motley (1.097%), Morris (1.178%), and Nacogdoches (0.925%), but lower than Moore (1.526%) and Nolan (1.511%). It represents a middle-ground tax burden for the region.

Expect about $2,119 yearly in property taxes

With a median home value of $159,900, Navarro County homeowners pay approximately $2,119 in annual property taxes. This is $571 less than the national median, despite a slightly above-average tax rate.

Assessment challenges could lower your bill

Navarro County homeowners whose assessed values exceed fair market value may appeal to reduce their tax liability. Many successful appeals have saved residents hundreds of dollars annually.

Full property tax analysis on TaxByCounty

Cost of Living in Navarro County

via CostByCounty

Navarro renters face affordability headwinds

Navarro County renters spend 21.0% of income on housing, exceeding the Texas average of 18.1% and signaling affordability challenges. The $59,310 median household income falls below the national average, squeezing housing affordability for working families.

Above-average cost burden in Texas

Navarro County's 21.0% rent-to-income ratio ranks above the state average, placing it among Texas counties where housing costs create real financial pressure. The median home value of $159,900 remains modest but less accessible given lower household incomes.

Navarro's higher rents strain budgets

Navarro County's $1,039 median rent is the region's highest, exceeding Morris County ($824) and nearly matching Montgomery County ($1,471), yet its $59,310 median income is substantially lower than most peers. This mismatch creates the second-highest rent burden in the region.

Navarro's housing cost squeeze

Renters dedicate $1,039 monthly while homeowners pay $911 against a $59,310 median household income, consuming one-fifth or more of budgets. This tight allocation limits financial flexibility for emergency savings and other essential expenses.

Navarro demands strong job prospects

Navarro County's 21.0% rent-to-income ratio signals affordability constraints; consider relocation here only with documented employment offers above the county median. If your current housing burden exceeds 20%, Navarro likely won't improve your situation without significant income growth.

Full cost of living analysis on CostByCounty

Income & Jobs in Navarro County

via IncomeByCounty

Navarro Trails National Earning Standards

Navarro County's median household income of $59,310 falls about $15,400 below the national median of $74,755—a 21% shortfall. This gap reflects the economic pressures facing rural and small-town Texas communities.

Below Texas State Average

At $59,310, Navarro County's median household income underperforms the Texas state average of $64,737 by roughly $5,400. Per capita income of $27,846 also trails the state average of $33,197, indicating limited individual earning opportunities.

Navarro Mid-Range Among Peers

Navarro County earns more than Morris ($55,082), Nacogdoches ($51,528), and Newton ($41,044) counties, but less than Montague ($62,818) and Motley ($62,857). The county's income position reflects a typical small-town Texas economy.

Housing Costs Create Budget Pressure

Navarro County's 21.0% rent-to-income ratio ranks among the highest in its peer group, with median home values of $159,900 stretching household budgets. Housing costs consume one-fifth of income, leaving limited discretionary funds for other needs.

Build Wealth Through Careful Planning

Navarro households need intentional financial strategies to save and invest within tight budgets. Explore employer retirement plans, low-cost investment options, and local economic development initiatives that could improve earning potential over time.

Full income & jobs analysis on IncomeByCounty

Health in Navarro County

via HealthByCounty

Life expectancy slightly below U.S. average

Navarro County residents live to an average of 73.8 years, about 2.6 years below the U.S. average of 76.4 years. Nearly one in four report poor or fair health, above national rates.

Close to Texas state health performance

Navarro County's 73.8-year life expectancy is 0.5 years below Texas's 74.3-year average. The county's 18.7% uninsured rate is slightly better than the state's 19.8%, suggesting moderate coverage success.

Moderate access to healthcare providers

Navarro County's 28 primary care providers per 100,000 residents fall between low-access counties like Montague (25) and high-access ones like Nacogdoches (71). Mental health provider density of 76 per 100,000 is respectable for a mid-sized Texas county.

Insurance gap smaller than most peers

At 18.7%, Navarro County's uninsured rate ranks among the lowest in this group, though 28 primary care providers per 100,000 leaves some access challenges. The county balances moderate insurance coverage with moderate provider density.

Strengthen coverage for peace of mind

Nearly one in five Navarro residents lack insurance, but options exist. Visit healthcare.gov to compare ACA plans, or call 2-1-1 Texas to learn about local health programs and federally qualified health centers offering affordable care.

Full health analysis on HealthByCounty

Disaster Risk in Navarro County

via RiskByCounty

Navarro: Above-Average National Risk

Navarro County scores 75.25 on the national composite risk scale, ranking as "Relatively Low" but exceeding Texas's state average of 49.00 by over 50 percent. This north-central Texas county faces above-average exposure to multiple hazard types, particularly tornadoes and wildfires.

Upper-Range Risk Among Texas Counties

Navarro ranks in the upper-middle tier of Texas's 254 counties for natural disaster risk, positioned in an active tornado corridor between Dallas and central Texas. The county's risk profile places it among the state's more hazardous areas outside coastal and metropolitan zones.

Notably Riskier Than Regional Peers

Navarro's score of 75.25 exceeds most neighboring north-central Texas counties, reflecting its position in a particularly active tornado belt. The county faces higher multi-hazard exposure than adjacent rural counties, driven by its tornado corridor location.

Tornado and Wildfire Lead Threat List

Navarro County faces exceptional tornado risk at 94.05 and significant wildfire risk at 82.28, creating a dangerous spring and summer threat profile. Flood risk reaches 68.29, while hurricane risk (61.45) and earthquake risk (47.33) present secondary concerns.

Storm and Fire Coverage Paramount

Navarro residents should prioritize homeowners insurance with windstorm coverage and consider separate wildfire protection for properties in rural or forested areas. Create a household emergency plan with a tornado shelter or safe room, clear defensible space around your home, and maintain flood insurance if in a high-risk zone.

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.