Stretched

What Salary Do You Need to Live in Garfield?

To afford a 2-bedroom in Garfield, you need to earn at least $62,320/year based on estimated fair market rent data. The median household income here is $54,938, which means the typical resident is $7,382 below the threshold.

Census ACS Data Pop. 2,015

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$1,091	$3,637	$43,640	$-11,298
1 Bedroom	$1,293	$4,310	$51,720	$-3,218
2 Bedroom BENCHMARK	$1,558	$5,193	$62,320	+$7,382
3 Bedroom	$1,901	$6,337	$76,040	+$21,102
4 Bedroom	$2,337	$7,790	$93,480	+$38,542

Affordability Breakdown

Where the required salary line crosses above Garfield's median income — housing becomes unaffordable for the typical resident.

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$54,938

Annual household

2BR Required Salary

$62,320

Under 30% rule

Income Gap

-$7,382

Deficit

Verdict

Stretched

Ratio: 34.0%

The 30% Rule Calculator

Enter your annual salary to see what you can afford in Garfield

Your Annual Salary

Pre-filled with Garfield's median household income

Max monthly rent you can afford$1,373

Studio

$1,091/mo

1 BR

$1,293/mo

2 BR

$1,558/mo

3 BR

$1,901/mo

4 BR

$2,337/mo

Your salary is $0 above the median income in Garfield.

Salary Comparison by Bedroom

Bars left of the marker line are affordable for Garfield's median earner. Bars to the right require above-median income.

Affordable Above Median Median Income

What This Means If You're Moving to Garfield

Garfield's rental market puts real pressure on median earners. A 2-bedroom at $1,558/month requires $62,320/year — about $7,382 more than the median household income. Roommates or dual incomes significantly change the equation.

If you're relocating to Garfield, target the studio or 1-bedroom tier ($1,091–$1,293/month) unless your income exceeds $62,320. A roommate splitting a 2-bedroom effectively halves the individual rent burden to $779/month.

The break-even salary for comfortable living in Garfield is approximately $93,480. Below this threshold, expect housing to consume a disproportionate share of your budget, limiting discretionary spending and savings capacity.

Economic Outlook

Local Job Market & Housing Dynamics

Affording rent isn't just about housing prices—it's heavily dependent on local employment opportunities and the strength of the job market in Garfield, Texas.

With a total population of 2,015, the city supports an active civilian workforce of 619 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $62,320 annual salary. The ratio of employed residents to the total population provides insight into the local economic health and competition for both jobs and housing.

Employed Workforce

619

Active civilian employees in Garfield

Frequently Asked Questions About Renting in Garfield

What salary do I need to live in Garfield, Texas?

To afford a 2-bedroom in Garfield under the 30% rule, you need an annual salary of at least $62,320. The median household income in Garfield is $54,938.

Can I afford a 2-bedroom in Garfield on $54,938?

The affordability verdict for Garfield is "Stretched". The rent-to-income ratio is 34.0%, meaning there's a $7,382 income gap.

What is the average rent in Garfield compared to median income?

The median gross rent in Garfield is $1,293/month. With a median household income of $54,938, residents spend approximately 34.0% of their income on rent.

What salary do I need for a studio in Garfield?

A studio in Garfield rents for approximately $1,091/month. Under the 30% rule, you need an annual salary of $43,640 to afford this.

Is Garfield considered an affordable place to live?

Based on the deficit of $7,382 and an affordability verdict of "Stretched", Garfield is considered a stretched rental market when comparing the required 2-bedroom salary of $62,320 to the local median household income.

How Garfield Compares

Other cities in Texas with salary requirements