Cost of Living in Graham, TX: Rent, Income & Home Prices

OKRent takes 23 cents of every $1 people earn here.

🏠 Rent per month (2026)$1,33724% lower than U.S. average

💵 Families earn per year (2026)$68,579about $5,715/month · 21% lower than U.S. average

🔑 House price$183,80045% lower than U.S. average

Rent is lower than in 67% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Commutes are short, about 15 minutes.

How much money do I need?

To rent here comfortably, you should earn about $53,480 a year. That is $26 an hour at a full-time job.

Is rent cheaper than other Texas cities?

Yes. Rent here is cheaper than in most of Texas. It is number 174 of 426 cities from cheapest to most expensive.

Graham

$1,337

$3,500+

$781

$2,803

$927

$2,194

$2,539

How much do households earn in Graham?

Under $25k

18.4%

$25k–50k

25.4%

$50k–100k

30.8%

$100k–150k

17.7%

$150k+

5.1%

Share of households by yearly income. 22.8% of households earn $100,000 or more.

Rent by apartment size in Graham

Size	Graham	U.S. average
1 bedroom	$893	$1,324
2 bedrooms	$977	$1,509
3 bedrooms	$1,428	$1,698

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Graham overall?

Everyday prices in Texas overall are 3% below the U.S. average (index 97.1, U.S. = 100).

Housing

Goods (food, clothes…)

Utilities

Other services

U.S. average

100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Graham, so the Texas figure is shown.

Taxes and bills in Graham

🏛️ Property tax$2,669a year · 1.45% of home value · U.S. $3,119

⚡ Electric bill$182a month (typical) · U.S. $156

Life in Graham

Commute to work15 minU.S.: 26.4 min

College degree24.5%U.S.: 35.7%

Own their home67.1%U.S.: 65.2%

Below poverty line18.4%U.S.: 12.5%

Unemployment3.4%U.S.: 5.2%

Is it cheaper to rent or buy in Graham?

Buying is cheaper month to month: about $62 a month less than renting.

Renting

$1,337

Owning

$1,275

Owning assumes a typical $183,800 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $18,380 for the down payment.

Frequently asked questions

What is the average rent in Graham, TX?

Renting in Graham costs a median of about $1,337 a month in 2026, including utilities. The Texas median is $1,451.

How much do I need to make to live in Graham?

To keep rent under 30% of income, you need about $53,480 a year, or $26 an hour at a full-time job.

Is Graham cheap or expensive?

Graham is rated OK: rent takes 23.4% of the typical household income of $68,579. It ranks 174th cheapest of 426 Texas cities we track.

How much are property taxes in Graham?

The median homeowner in Graham pays $2,669 a year in property taxes, about 1.45% of the median home value.

Is Graham more expensive than the national average?

Overall prices in Texas are 3% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Graham?

The median home value in Graham is $183,800, about 2.7 times the typical yearly household income.

8,792 people live in Graham. Numbers are typical (middle) values.

Is Graham, TX expensive to live in?