CountyScore

Sherman County

Texas · TX

#186 in Texas
59
County Score

County Report Card

About Sherman County, Texas

Above median but with clear constraints

Sherman County scores 60.7, still above the national median of 50.0 but the lowest performer among these eight counties. The score reflects solid income levels offset by a higher-than-average tax burden.

Slightly below Texas average

At 60.7, Sherman trails the Texas state average of 66.8, suggesting it faces livability challenges compared to many peer counties. The shortfall is driven by tax policy rather than housing costs or income.

Income and affordability are solid

Sherman's income score of 31.8 reflects a median household income of $74,167, among the higher earners in this group. Housing affordability is also reasonable, with a cost score of 77.8 and median home values of $125,500.

Tax burden weighs on overall livability

The tax score of just 47.4 signals a significant burden, with an effective rate of 1.952%—notably higher than most peers in this comparison. Health, safety, school, and water data remain unavailable, leaving questions about other quality-of-life factors.

Works for higher earners tolerating taxes

Sherman suits professionals and families with above-average incomes who can absorb the higher tax rates and don't require extensive urban services. It's less ideal for those on fixed or modest incomes.

Score breakdown

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

Tax47.4Cost77.8SafetyComing SoonHealth51.1SchoolsComing SoonIncome31.8Risk69.7WaterComing Soon
🏛47.4
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠77.8
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼31.8
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡Coming Soon
Safety
Violent and property crime rates per 100K residents
❤51.1
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓Coming Soon
Schools
Graduation rates, per-pupil spending, and attainment
⚡69.7
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 Sherman County with another county →

Counties with similar scores

Collier County
Florida
59
Median income: $86,173
St. Lucie County
Florida
59
Median income: $69,027
Worcester County
Massachusetts
59
Median income: $93,561
Cayuga County
New York
59
Median income: $66,583
St. Lawrence County
New York
59
Median income: $61,900

Deep Dives

Sherman County across the ByCounty Network

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

Property Tax in Sherman County

via TaxByCounty

Sherman taxes run high nationally

At 1.952%, Sherman County's effective tax rate significantly exceeds the national median of 1.276%, placing it in the top 15% of U.S. counties by tax burden. Homeowners here pay $2,450 annually on a median $125,500 home, compared to the national median tax of $2,690 on a much pricier home worth $281,900.

Sherman ranks above state average

Sherman County's 1.952% effective rate outpaces Texas's 1.276% state average by 53%, making it one of the higher-taxed counties in the state. The median tax bill of $2,450 exceeds the state median by $257, or 12%.

Neighbor Stephens County taxes even higher

Sherman's rate of 1.952% is steeper than nearby Sterling County (1.072%) and Starr County (1.122%), but lower than Stephens County's 1.683%. Among this cluster of rural counties, Sherman carries the highest effective tax burden.

Median Sherman home costs $2,450 yearly

A homeowner with a median-priced property worth $125,500 in Sherman County pays approximately $2,450 in annual property taxes. With a mortgage, that total rises to $2,942 when including additional local assessments.

Many Sherman owners could appeal taxes

Studies show that 5-10% of properties nationwide are overassessed, and Sherman County homeowners are no exception. If you believe your home's assessed value is inflated, filing a formal appeal with the county appraisal district costs nothing and could reduce your annual tax bill.

Full property tax analysis on TaxByCounty

Cost of Living in Sherman County

via CostByCounty

Sherman beats national affordability

Sherman County's rent-to-income ratio of 14.3% sits well below the national affordability threshold, making it an attractive option for cost-conscious renters. The county's median household income of $74,167 nearly matches the national median of $74,755.

One of Texas's most affordable

Sherman's 14.3% rent-to-income ratio ranks among the best in Texas, significantly outperforming the state average of 18.1%. Median rent of $881 stays $82 below the state average despite strong income levels.

Cheaper than Starr, costlier than Stonewall

Sherman's $881 monthly rent falls between Stonewall County's bargain $620 and nearby Starr County's $715, offering a middle ground. Sherman's higher median income of $74,167 means renters here carry less housing burden proportionally.

Rent and income well-balanced

At 14.3% of the $74,167 median income, Sherman renters spend roughly $1,055 yearly on housing affordability buffer compared to national averages. Homeowners invest $965 monthly in ownership costs—about 15.6% of median income.

Strong income meets modest rents

Sherman County delivers rare affordability: competitive regional wages paired with below-average rents. Families or professionals relocating here enjoy housing costs that consume less than 15% of income.

Full cost of living analysis on CostByCounty

Income & Jobs in Sherman County

via IncomeByCounty

Nearly at National Income Parity

Sherman County's median household income of $74,167 falls just short of the national median of $74,755 by $588. This near-perfect alignment suggests Sherman households earn at the same level as the typical American family.

Above-Average Earners for Texas

Sherman's $74,167 income exceeds the Texas county average of $64,737 by over $9,400, ranking the county in the upper-middle tier of Texas counties. The per capita income of $52,788 substantially outpaces the state average of $33,197, signaling strong individual earning power.

Strong Position in Regional Context

Sherman ranks among the top earners regionally, trailing only Somervell ($83,382) and Sterling ($78,750) while significantly outpacing Shelby ($50,436) and Starr ($38,182). The county's elevated per capita income suggests a strong, diversified job market supporting higher individual wages.

Excellent Housing Affordability

Sherman's rent-to-income ratio of 14.3% sits comfortably below the 28% affordability threshold, leaving households ample room for other expenses. With a median home value of $125,500 relative to $74,167 household income, homeownership remains achievable without financial strain.

Invest in Your Financial Future

Sherman's strong income and low housing burden create an ideal platform for wealth-building through retirement savings and investments. Maximize contributions to 401(k)s, IRAs, and diversified portfolios to capitalize on years of solid earning potential.

Full income & jobs analysis on IncomeByCounty

Health in Sherman County

via HealthByCounty

Longest-living county in dataset

Sherman County residents enjoy a life expectancy of 77.7 years, surpassing the U.S. average of 76.4 years and ranking among Texas's healthiest communities. Despite this longevity, 21.9% report poor or fair health, suggesting room for preventive care improvement.

Texas leader in life expectancy

At 77.7 years, Sherman County exceeds the Texas state average of 74.3 years by over three years, placing it among the state's top performers. This significant edge reflects a relatively healthy population with strong longevity outcomes.

The healthiest in its region

Sherman County's 77.7-year life expectancy towers above neighboring counties like Shackelford (75.6) and Stephens (73.7). Its residents live significantly longer than most regional peers, suggesting strong underlying health factors.

Provider data unavailable, uninsured rate high

Detailed primary care and mental health provider counts are unavailable for Sherman County, limiting visibility into healthcare access infrastructure. However, 27.3% of residents lack health insurance—the highest uninsured rate in this dataset—meaning nearly one in three cannot easily access care.

High uninsured rate demands action

Sherman County's 27.3% uninsured population faces significant health risks despite strong life expectancy gains. Enroll in a health plan at Healthcare.gov or ask your employer about coverage options—insurance unlocks preventive care that keeps people healthy longer.

Full health analysis on HealthByCounty

Disaster Risk in Sherman County

via RiskByCounty

Sherman: Very Low National Risk

Sherman County's composite risk score of 30.28 falls well below the national average, placing it in the very low category. Your county enjoys substantially lower disaster exposure than most American communities.

Well Below Texas Average

At 30.28, Sherman ranks among the safer Texas counties, sitting 38% below the state average of 49.00. It demonstrates strong relative safety within the state's disaster risk landscape.

Safest in the Panhandle

Sherman County is one of the safest counties in this region, competing only with Shackelford (1.43) and Sterling (1.11) for top safety status. Your northern location provides natural protection from many Texas hazards.

Wildfire Risk Dominates

Wildfire risk (65.20) is Sherman's primary concern, reflecting the dry grasslands and sparse development of the Texas Panhandle. Tornado (18.61) and earthquake (18.35) risks are comparatively modest, and hurricane data is limited.

Focus on Wildfire Readiness

Though Sherman's overall risk is low, wildfire preparedness should be a priority for rural homeowners and landowners. Review your insurance coverage for wildfire exclusions and maintain defensible space around your property.

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.