Stretched

What Salary Do You Need to Live in Nacogdoches?

To afford a 2-bedroom in Nacogdoches, you need to earn at least $42,080/year based on estimated fair market rent data. The median household income here is $37,612, which means the typical resident is $4,468 below the threshold.

Census ACS Data Pop. 32,148

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$736	$2,453	$29,440	$-8,172
1 Bedroom	$873	$2,910	$34,920	$-2,692
2 Bedroom BENCHMARK	$1,052	$3,507	$42,080	+$4,468
3 Bedroom	$1,283	$4,277	$51,320	+$13,708
4 Bedroom	$1,578	$5,260	$63,120	+$25,508

Affordability Breakdown

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

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$37,612

Annual household

2BR Required Salary

$42,080

Under 30% rule

Income Gap

-$4,468

Deficit

Verdict

Stretched

Ratio: 33.6%

The 30% Rule Calculator

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

Your Annual Salary

Pre-filled with Nacogdoches's median household income

Max monthly rent you can afford$940

Studio

$736/mo

1 BR

$873/mo

2 BR

$1,052/mo

3 BR

$1,283/mo

4 BR

$1,578/mo

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

Salary Comparison by Bedroom

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

Affordable Above Median Median Income

What This Means If You're Moving to Nacogdoches

Renting in Nacogdoches is stretched but not impossible. The gap is a relatively narrow $4,468, suggesting that households slightly above median can find workable arrangements — especially with studios at $736/month.

If you're relocating to Nacogdoches, target the studio or 1-bedroom tier ($736–$873/month) unless your income exceeds $42,080. A roommate splitting a 2-bedroom effectively halves the individual rent burden to $526/month.

The break-even salary for comfortable living in Nacogdoches is approximately $63,120. 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 Nacogdoches, Texas.

With a total population of 32,148, the city supports an active civilian workforce of 14,610 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $42,080 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

14,610

Active civilian employees in Nacogdoches

Frequently Asked Questions About Renting in Nacogdoches

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

To afford a 2-bedroom in Nacogdoches under the 30% rule, you need an annual salary of at least $42,080. The median household income in Nacogdoches is $37,612.

Can I afford a 2-bedroom in Nacogdoches on $37,612?

The affordability verdict for Nacogdoches is "Stretched". The rent-to-income ratio is 33.6%, meaning there's a $4,468 income gap.

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

The median gross rent in Nacogdoches is $873/month. With a median household income of $37,612, residents spend approximately 33.6% of their income on rent.

What salary do I need for a studio in Nacogdoches?

A studio in Nacogdoches rents for approximately $736/month. Under the 30% rule, you need an annual salary of $29,440 to afford this.

Is Nacogdoches considered an affordable place to live?

Based on the deficit of $4,468 and an affordability verdict of "Stretched", Nacogdoches is considered a stretched rental market when comparing the required 2-bedroom salary of $42,080 to the local median household income.

How Nacogdoches Compares

Other cities in Texas with salary requirements