Cost of Living in Zephyr, TX

With a cost of living index of 64, Zephyr, TX is one of the most affordable cities in the country. Living here is 36% cheaper than the national average and 23% below the Texas state average of 88. Zephyr is a small community of 215 residents.

Housing costs are the biggest factor in Zephyr's cost of living. The median monthly rent is $850 (36% below the US median of $1,319), and the median home value sits at $65,000 (79% below the national median of $304,900). At current prices, the median home costs roughly 2.2x the median household income — well within traditional affordability guidelines.

The median household income in Zephyr is $29,543, which is 61% lower than the national median of $75,149. Residents spend roughly 35% of household income on rent. This exceeds the recommended 30% threshold, meaning many renters here are cost-burdened. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

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.