Cost of Living in Nacogdoches, TX

With a cost of living index of 75, Nacogdoches, TX is a very affordable place to live. Living here is 25% cheaper than the national average and 12% below the Texas state average of 88. With a population of 32,104, Nacogdoches is a mid-sized community that balances access to services with a more manageable cost of living compared to larger metros.

Housing costs are the biggest factor in Nacogdoches's cost of living. The median monthly rent is $921 (30% below the US median of $1,319), and the median home value sits at $173,200 (43% below the national median of $304,900). At current prices, the median home costs roughly 4.5x the median household income — a moderately affordable ratio by today's standards.

The median household income in Nacogdoches is $38,855, which is 48% lower than the national median of $75,149. Residents spend roughly 28% of household income on rent. This is near the 30% threshold that financial experts generally consider the upper limit of affordability. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Nacogdoches. The area sees an average annual temperature of 66.4°F, with summers averaging 82°F and winters around 51°F. Annual rainfall totals 50.3 inches spread over roughly 103 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.