Payne Springs is a small town of 613 in Texas, with a median household income of $42,500
and a 1.3% unemployment rate.
Its cost of living index is 94 (US average = 100), which is
6% below the national average.
Strengths:
Payne Springs stands out for an affordable cost of living, below-average home prices.
Trade-offs:
No major red flags stand out in the available data. Whether Payne Springs is right for you depends on your priorities — the full breakdown is below.
All Payne Springs city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 94.5
Payne Springs's overall cost of living index is 94.5,
where 100 represents the US national average.
Living in Payne Springs costs roughly 6% less than the average American city.
Metric
Payne Springs, TX
National Avg
Median Home Value
$160,700
$244,900
Median Monthly Rent
$1,075
$1,163
Homeownership Rate
84.1%
65.9%
Median Household Income
$42,500
$74,755
Crime & Safety
Safer than Average
Payne Springs's violent crime rate is 298.5 per 100,000 residents
— 21% lower than the national average of ~380 per 100,000.
Violent Crime
298.5 /100k
Property Crime
1190.5 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Metric
Payne Springs, TX
National Avg
School District
N/A
—
Elementary Schools
N/A
—
Middle Schools
N/A
—
High Schools
N/A
—
Student/Teacher Ratio
N/A
16:1
Bachelor's Degree or Higher
12.3%
35.4%
High School Diploma or Higher
88.9%
91.1%
Weather & Climate
Payne Springs sees average highs of 57.9°F in January
and 94.1°F in July,
with 44.6 inches of annual precipitation
and 0.2 inches of snow per year.
Payne Springs's cost of living index is 94, where 100 is the national average.
That makes Payne Springs roughly 6% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $160,700 and median rent is $1,075/month.
Payne Springs's violent crime rate is 298.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1190.5 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
School district information is sourced from NCES Common Core of Data.
Payne Springs, TX has a population of 613, a median household income of $42,500, and an unemployment rate of 1.3%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Payne Springs averages 57.9°F in January and 94.1°F in July. Annual rainfall is 44.6 inches
with about 0.2 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
The population of Payne Springs, Texas is 613 with a median age of 51.0. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Payne Springs: cost of living index 94 (100 = US average), median home $160,700, median household income $42,500, crime index 70 (100 = US average, lower is safer). Whether these are benefits or drawbacks depends on where you're coming from — compare Payne Springs side by side with your current city to see the trade-offs.