What are the schools like in Tool, TX?

Tool is served primarily by KEMP ISD. The district operates 3 elementary schools, 1 middle schools, and 2 high schools with a student-to-teacher ratio of 12.3:1.

What is the median household income in Tool?

The median household income in Tool, TX is $65,417 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 3.7%.

What is the weather like in Tool, TX?

Tool has an average high temperature of 56.0°F in January and 94.2°F in July. Annual precipitation averages 43.2 inches and annual snowfall averages 0.2 inches.

Tool, TX Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Tool, TX affordable or expensive?

Tool's cost of living index is 95, where 100 represents the national average. This means Tool is 5% less expensive than the average US city. The median home value is $174,100 and the median rent is $1,121 per month.

Q: What is the crime rate in Tool, TX?

Tool has a violent crime rate of 85.7 incidents per 100,000 residents and a property crime rate of 171.3 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Tool, TX a Good Place to Live?

Tool is a small town of 2,356 in Texas, with a median household income of $65,417 and a 3.7% unemployment rate. Its cost of living index is 95 (US average = 100), which is 5% below the national average.

Strengths: Tool stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B+).

Trade-offs: Potential downsides include longer commutes. Whether Tool is right for you depends on your priorities — the full breakdown is below.

All Tool 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: 95.2

Tool's overall cost of living index is 95.2, where 100 represents the US national average. Living in Tool costs roughly 5% less than the average American city.

Metric	Tool, TX	National Avg
Median Home Value	$174,100	$244,900
Median Monthly Rent	$1,121	$1,163
Homeownership Rate	83.2%	65.9%
Median Household Income	$65,417	$74,755

Crime & Safety

Very Safe

Tool's violent crime rate is 85.7 per 100,000 residents — 77% lower than the national average of ~380 per 100,000.

Violent Crime

85.7 /100k

Property Crime

171.3 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Tool is served primarily by KEMP ISD. The student-to-teacher ratio is 12.3:1 (better than the national average of ~16:1).

Metric	Tool, TX	National Avg
School District	KEMP ISD	—
Elementary Schools	3	—
Middle Schools	1	—
High Schools	2	—
Student/Teacher Ratio	12.3:1	16:1
Bachelor's Degree or Higher	26.3%	35.4%
High School Diploma or Higher	87.5%	91.1%

Weather & Climate

Tool sees average highs of 56.0°F in January and 94.2°F in July, with 43.2 inches of annual precipitation and 0.2 inches of snow per year.

Metric	Tool, TX
Average High — January	56.0°F
Average High — July	94.2°F
Annual Precipitation	43.2"
Annual Snowfall	0.2"

Demographics

Metric	Tool, TX	National Avg
Population	2,356	—
Median Age	53.0	38.9
Unemployment Rate	3.7%	3.7%
Avg Commute Time	42.3 min	26 min
White (non-Hispanic)	93.2%	59.3%
Black or African American	0.0%	13.6%
Hispanic or Latino	2.4%	18.9%
Asian	0.0%	6.3%
Under 18	15.4%	22.2%
65 and over	25.3%	16.8%

Nearby Cities

Enchanted Oaks, TX 4 mi Gun Barrel City, TX 4 mi Seven Points, TX 5 mi Payne Springs, TX 6 mi Mabank, TX 7 mi

ZIP Codes in Tool

Tool, TX is covered by 1 ZIP code:

75143

Tool vs Other Cities

Tool, TX vs Enchanted Oaks, TX Tool, TX vs Gun Barrel City, TX Tool, TX vs Seven Points, TX Tool, TX vs Payne Springs, TX Tool, TX vs Mabank, TX

Frequently Asked Questions

Is Tool, TX affordable or expensive?

Tool's cost of living index is 95, where 100 is the national average. That makes Tool roughly 5% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $174,100 and median rent is $1,121/month.

What is the crime rate in Tool, TX?

Tool's violent crime rate is 85.7 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 171.3 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Tool?

Public schools in Tool are operated by KEMP ISD. The district has 3 elementary, 1 middle, and 2 high schools. The student-to-teacher ratio is 12.3:1. 26.3% of adults 25+ hold a bachelor's degree or higher.

Is Tool, TX a good place to live?

Tool, TX has a population of 2,356, a median household income of $65,417, and an unemployment rate of 3.7%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Tool?

Tool averages 56.0°F in January and 94.2°F in July. Annual rainfall is 43.2 inches with about 0.2 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Tool?

Tool, TX is covered by 1 ZIP code: 75143.

What is the population of Tool?

The population of Tool, Texas is 2,356 with a median age of 53.0. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Tool?

Key numbers for living in Tool: cost of living index 95 (100 = US average), median home $174,100, median household income $65,417, crime index 17 (100 = US average, lower is safer), schools rated B+. Whether these are benefits or drawbacks depends on where you're coming from — compare Tool side by side with your current city to see the trade-offs.