Median Income
$65,972
12% lower than US avg
Home Value
$144,100
49% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
21.0%
38% lower than US avg
Median Rent
$1,017
13% lower than US avg
Obesity Rate
35.1%
9% higher than US avg
Unemployment
3.9%
8% higher than US avg
Poverty Rate
1.3%
90% lower than US avg
How Lone Oak Compares to the U.S. Average (100% = U.S. avg)
People
Population541
Median Age39.4 yrs
Density487/mi²
Male / Female45% / 55%
Largest GroupWhite 79%
Veterans11.9%
Economy
A
Median Income$65,972
Per Capita$27,343
Unemployment3.9%
Poverty1.3%
County GDP$345M
Commute40 min
Housing
A+
Home Value$144,100
Rent$1,017
Ownership77.9%
Zillow$283,981
Housing Units246
Rent Burden24.5%
Crime
C+
Violent0/100K
Property1,123/100K
Health
Obesity35.1%
Uninsured13.2%
Smoking15.8%
Depression25.7%
Heart Disease5.4%
Climate
Avg Temp64°F (18°C)
AQI42 (Good)
Rain44.3 in/yr
Sunny Days308/yr
Elevation556 ft (169 m)
Education
C+
Bachelor's+21.0%
High School+79.6%
Graduate+8.7%
School Score5.52
Community
2024 VoteR 86% / D 13%
Commute40 min
Broadband86.4%
EV Stations4
Libraries1
Is Lone Oak a Good Place to Live?
Based on current data, Lone Oak receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include a high uninsured rate, long commute times. Lone Oak offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Lone Oak is $65,972, 12% below the national average of $75,149. Unemployment stands at 3.9%, indicating a healthy job market. Only 1.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 40 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Lone Oak is $144,100, 49% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,017 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Lone Oak is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,123 per 100,000, 43% below the national average.
Education
21.0% of residents hold a bachelor's degree, below the national average of 33.7%. 79.6% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Lone Oak enjoys a moderate climate with an average annual temperature of 64°F. Winters average 44°F in January while summers reach 83°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 44.3 inches. Air quality is rated Good with a median AQI of 42.
Lone Oak has a population of 541 with a density of 487 people per square mile, spread across 1.1 square miles. The median age is 39.4 years, 1% older than the national median of 38.9. The gender split is 54.9% female and 45.1% male. The city is predominantly White (78.6%), with 3.7% Hispanic, 7.8% Black. English is the primary language spoken at home by 97.3% of residents. 11.9% of the population are veterans, above the national rate of 6.0%. 19.2% of residents have a disability (above the 13.0% national average). 84.5% have health insurance coverage.
Population
39.4yrs
Median Age
1% above US avg
Language Spoken at Home
English Only
97.3%
24% above US avg
Spanish
2.7%
80% below US avg
The median household income in Lone Oak is $65,972, which is 12% below the national average of $75,149. Per capita income is $27,343 (below the $39,052 national figure). The average weekly wage is $845, 41% lower than the U.S. average. The unemployment rate is 3.9% (above the 3.6% US average). 1.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 271 business establishments, including 26 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 40 minutes (longer than the 28-minute US average). 7.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $65,972 |
| 12% below US avg |
| Per Capita Income | $27,343 |
| Avg Weekly Wage | $845 |
| IRS Avg AGI | $68,918 |
| Gini Index | 0.478 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.9% |
| 8% above US avg |
| Poverty Rate | 1.3% |
| 90% below US avg |
| Establishments (County) | 271 |
| County GDP | $345M |
Business (County)
| Restaurants | 26 |
| Healthcare | 12 |
| Retail | 31 |
| Manufacturing | 9 |
Tax & Cost of Living
| Property Tax (IRS) | $6,472 |
| 85% above US avg |
| Cost of Living | 97.10 (100=avg) |
| Effective Tax Rate | 4.49% |
Commute & Transportation
| Commute Time | 40.2 min |
| Drive Alone | 85.5% |
| Public Transit | 0.0% |
| Work from Home | 7.5% |
The median home value in Lone Oak is $144,100, 49% below the national median of $281,900. Zillow estimates the typical home value at $283,981, higher than the Census estimate. Homes sell for 68.2% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,017 (13% below the national average of $1,163). Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. 77.9% of housing units are owner-occupied (above the 65.4% national rate). There are 246 total housing units in the city. The median year a home was built is 1999. The average annual property tax is $6,472 (higher than the $3,500 national average). 24.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $144,100 |
| 49% below US avg |
| Zillow ZHVI | $283,981 |
Real Estate Market (Redfin)
| $/Sq Ft | $99 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 68.2% |
| Price Drops | 0.0% |
| Inventory | 4 |
Rental Costs
| Census Median Rent | $1,017 |
| 13% below US avg |
| Rent Burden | 24.5% |
HUD Fair Market Rent
| Studio | $887 |
| 1 Bedroom | $935 |
| 2 Bedrooms | $1,149 |
| 3 Bedrooms | $1,497 |
| 4 Bedrooms | $1,733 |
Ownership & Property
| Homeownership | 77.9% |
| Owner-Occupied | 77.9% |
| Renter-Occupied | 22.1% |
| Housing Units | 246 |
| Median Year Built | 1999 |
Property Tax
| Avg Tax (IRS) | $6,472 |
| 85% above US avg |
| Effective Rate | 4.49% |
In Lone Oak, 35.1% of adults are obese, above the national rate of 32.1%. 9.9% have diabetes. Heart disease affects 5.4% of residents. 31.9% have high blood pressure. 15.8% are current smokers. 19.1% report binge drinking. 25.5% are physically inactive. 25.7% report depression (above the 20.0% national average). 20.1% experience frequent mental distress. 13.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:12,509. The dentist ratio is 1:6,412. 48.8% of residents have access to exercise opportunities.
Health Metrics: Lone Oak vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.1% |
| 9% above US avg |
| Diabetes | 9.9% |
| Heart Disease | 5.4% |
| High Blood Pressure | 31.9% |
| Asthma | 10.9% |
| COPD | 6.8% |
| Cancer | 7.0% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 15.8% |
| 13% above US avg |
| Binge Drinking | 19.1% |
| Physical Inactivity | 25.5% |
| Depression | 25.7% |
| Mental Distress | 20.1% |
| Physical Distress | 13.7% |
| Short Sleep | 36.4% |
Healthcare Access
| Insurance Rate | 84.5% |
| Uninsured | 13.2% |
| 53% above US avg |
| Primary Care | 1:12,509 |
| Dentists | 1:6,412 |
| Mental Health | 1:1,855 |
| Checkup Rate | 72.1% |
| Dental Visits | 59.7% |
| Premature Death | 9,817/100K |
Food & Exercise
| Exercise Access | 48.8% |
| Healthcare Facilities | 12 |
Lone Oak has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 1,123 per 100,000, 43% below the U.S. average. The county recorded 1 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Lone Oak receives a safety grade of C+.
Crime Rates: Lone Oak vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 1,122.9/100K |
| 43% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 1 |
| Avg Accident Severity | 2.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Lone Oak enjoys a temperate climate with an average annual temperature of 64°F (18°C). Winters average 44°F in January while summers reach 83°F in July. The area gets 308 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 44.3 inches. Air quality is rated Good with a median AQI of 42. The city sits at an elevation of 556 feet.
Temperature
44°F Jan (7°C)
83°F Jul (29°C)
| Annual Average | 64.3°F |
| 19% above US avg |
| January Average | 44°F (7°C) |
| July Average | 83°F (29°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 556 ft (169 m) |
| Area | 1.1 sq mi (2.8 km²) |
| Population Density | 487/sq mi |
| Coordinates | 32.9961°N, 95.9407°W |
| Timezone | America/Chicago |
| County | Rains County County |
| Nearest Airport | Dallas Love Field (DAL)
54 miles away |
Precipitation & Snow
Annual Rainfall
44.3"
16% above US avg
Wettest Month (May)
5.47"
Air Quality
| AQI Median | 42.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 14.1 / 100 |
| Social Vulnerability | 41.5 / 100 |
| Community Resilience | 29.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
81 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M3.1 on May 1, 2024.
| May 7, 2015 |
5 km N of Venus, Texas |
M4.0 |
123 km |
| Jan 7, 2015 |
6 km NE of Irving, Texas |
M3.6 |
90 km |
| Jan 6, 2015 |
4 km ENE of Irving, Texas |
M3.5 |
92 km |
| Mar 4, 2013 |
5 km S of Tishomingo, Oklahoma |
M3.5 |
150 km |
| Apr 28, 2013 |
4 km NNW of Oakland, Oklahoma |
M3.5 |
150 km |
| Jun 24, 2012 |
3 km SSE of Briaroaks, Texas |
M3.5 |
139 km |
| Oct 20, 2002 |
8 km WSW of Lane, Oklahoma |
M3.4 |
143 km |
| Sep 30, 2012 |
4 km NW of Irving, Texas |
M3.4 |
98 km |
| May 31, 1997 |
3 km ESE of Neylandville, Texas |
M3.4 |
21 km |
| May 19, 2018 |
8 km NW of Venus, Texas |
M3.4 |
128 km |
| Apr 2, 2015 |
5 km NNE of Irving, Texas |
M3.3 |
94 km |
| Jun 15, 2012 |
5 km SSE of Briaroaks, Texas |
M3.3 |
138 km |
| May 16, 2009 |
5 km NNW of Grand Prairie, Texas |
M3.3 |
103 km |
| May 18, 2015 |
5 km N of Irving, Texas |
M3.3 |
96 km |
| Sep 25, 2010 |
5 km ENE of Madill, Oklahoma |
M3.3 |
143 km |
| May 27, 2013 |
5 km SSW of Bee, Oklahoma |
M3.2 |
134 km |
| May 1, 2024 |
7 km S of Mansfield, Texas |
M3.2 |
126 km |
| May 3, 2015 |
4 km N of Irving, Texas |
M3.2 |
96 km |
| Jan 7, 2015 |
4 km NE of Irving, Texas |
M3.1 |
92 km |
| Nov 29, 2013 |
1 km S of Pelican Bay, Texas |
M3.1 |
148 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
2 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Laura (2020, Cat 1).
| Year |
Name |
Category |
Closest |
| 2020 |
Laura |
Category 3 |
289 km |
| 2008 |
Ike |
Category 2 |
230 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
678 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 55 fatalities, 1,682 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 4, 2022 |
EF4 |
86 km |
0 |
| Nov 4, 2022 |
EF4 |
69 km |
0 |
| Apr 29, 2017 |
EF4 |
83 km |
2 |
| Dec 26, 2015 |
EF4 |
65 km |
10 |
| Apr 25, 1994 |
EF4 |
88 km |
3 |
| Apr 2, 1982 |
EF4 |
78 km |
10 |
| May 13, 1981 |
EF4 |
89 km |
0 |
| May 25, 2024 |
EF3 |
86 km |
0 |
| Oct 20, 2019 |
EF3 |
92 km |
0 |
| Apr 29, 2017 |
EF3 |
67 km |
2 |
| May 10, 2015 |
EF3 |
72 km |
2 |
| Apr 3, 2012 |
EF3 |
57 km |
0 |
| May 9, 2006 |
EF3 |
68 km |
3 |
| May 4, 1999 |
EF3 |
75 km |
1 |
| Dec 13, 1984 |
EF3 |
71 km |
0 |
| Apr 2, 1982 |
EF3 |
77 km |
1 |
| May 3, 1979 |
EF3 |
46 km |
0 |
| May 5, 1978 |
EF3 |
29 km |
0 |
| May 26, 1976 |
EF3 |
86 km |
0 |
| Dec 3, 1973 |
EF3 |
33 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,634 ac, 2006).
| Year |
Name |
Acres |
Distance |
| 2006 |
UNNAMED |
1,634 |
37 km |
| 2006 |
COOPER LAKE |
1,224 |
34 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
44°F (7°C) |
2.6 in |
Coldest |
| February |
48°F (9°C) |
3.3 in |
|
| March |
55°F (13°C) |
3.7 in |
|
| April |
63°F (17°C) |
4.3 in |
|
| May |
71°F (22°C) |
5.5 in |
Wettest |
| June |
78°F (26°C) |
3.9 in |
|
| July |
83°F (29°C) |
2.5 in |
Warmest |
| August |
82°F (28°C) |
2.0 in |
Driest |
| September |
76°F (24°C) |
3.9 in |
|
| October |
66°F (19°C) |
4.3 in |
|
| November |
55°F (13°C) |
3.7 in |
|
| December |
46°F (8°C) |
3.4 in |
|
Lone Oak has a seasonal temperature swing of 39°F / from 44°F in January to 83°F in July. Total annual precipitation is 42.9 inches, with May being the wettest month (5.5") and August the driest (2.0").
Average costs for common services in Lone Oak. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$243 ($146–$388) |
| Specialist Visit |
$340 ($194–$534) |
| Urgent Care Visit |
$194 ($97–$340) |
| Emergency Room Visit |
$2,136 ($777–$4,855) |
| Dental Cleaning |
$126 ($73–$194) |
| Dental Filling |
$243 ($146–$388) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$291 ($146–$486) |
| Tire Rotation |
$39 ($19–$73) |
| New Tires (Set of 4) |
$583 ($388–$971) |
| Battery Replacement |
$194 ($97–$340) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$97 ($58–$146) |
| Electrician (Per Hour) |
$87 ($49–$136) |
| HVAC Repair |
$388 ($146–$777) |
| HVAC System Install |
$6,797 ($3,884–$11,652) |
| Roof Repair |
$971 ($388–$1,942) |
| Roof Replacement |
$8,739 ($5,341–$14,565) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,457 ($486–$3,399) |
| Divorce (Contested) |
$14,565 ($4,855–$29,130) |
| DUI Defense |
$4,855 ($1,942–$9,710) |
| Bankruptcy (Chapter 7) |
$1,457 ($777–$2,913) |
| Will Preparation |
$486 ($194–$971) |
| Trust Preparation |
$2,428 ($971–$4,855) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$53 ($29–$97) |
| Hair Coloring (Full) |
$146 ($73–$243) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$126) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.98 ($2.91–$5.34) |
| Dozen Eggs (per dozen) |
$3.40 ($2.43–$4.86) |
| Loaf of Bread |
$3.69 ($2.43–$5.34) |
| Chicken Breast (per lb) |
$4.37 ($2.91–$6.31) |
| Ground Beef (per lb) |
$5.34 ($3.88–$7.28) |
| Rice (per lb) |
$0.97 ($0.58–$1.75) |
View all 20 services
Utilities
| Electricity (Monthly) |
$136 ($78–$243) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$97) |
| Cell Phone Plan (Monthly) |
$63 ($29–$97) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$194 ($73–$486) |
| Car Insurance (Annual) |
$1,942 ($1,165–$3,399) |
| Bus Pass (Monthly) |
$68 ($29–$126) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.77–$24) |
| Car Registration (Annual) |
$97 ($29–$243) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,165 ($583–$2,428) |
| Daycare (Toddler, Monthly) |
$971 ($486–$1,942) |
| After-School Care (Monthly) |
$388 ($194–$680) |
| Tutoring (Per Hour) |
$49 ($24–$97) |
| SAT/ACT Prep Course |
$971 ($388–$2,428) |
| Private School (K-12, Annual) |
$12,138 ($4,855–$29,130) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$97) |
| Dog Vaccination (Annual) |
$97 ($49–$194) |
| Dog Grooming |
$58 ($29–$97) |
| Pet Boarding (Per Night) |
$39 ($19–$73) |
| Dog Spay/Neuter |
$291 ($146–$486) |
| Cat Spay/Neuter |
$194 ($97–$388) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $537 |
| Toddler | $511 |
| Preschool | $498 |
| Family Childcare (monthly) |
| Infant | $494 |
| Toddler | $476 |
| Preschool | $468 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lone Oak
What is the population of Lone Oak?
Lone Oak has a population of 541 residents and is located in Texas. The population density is 487 people per square mile, spread across 1.1 square miles. The median age of residents is 39.4 years. The population is 54.9% female and 45.1% male.
Is Lone Oak expensive to live in?
Lone Oak has a cost of living roughly in line with the national average, with an index of 97.1 (baseline: 100). The median household income is $65,972, 12% below the national average of $75,149. The median home value is $144,100 (49% below the U.S. median). Renters pay a median of $1,017 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Lone Oak safe?
Lone Oak is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,123 per 100,000 (below the national average). Overall, Lone Oak receives a safety grade of C+ based on combined crime data.
What is the weather like in Lone Oak?
Lone Oak enjoys a temperate climate with an average annual temperature of 64°F (18°C). Winter temperatures average 44°F in January, while summers reach an average of 83°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 44.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 42.
How is the job market in Lone Oak?
Lone Oak has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average weekly wage is $845. There are 271 business establishments in the area, including 26 restaurants and food service locations. The average commute time is 40 minutes, and 7.5% of workers work from home.
How much does housing cost in Lone Oak?
The median home value in Lone Oak is $144,100. Zillow estimates the typical home value at $283,981. For renters, the median monthly rent is $1,017. Fair market rent is $935 for a 1-bedroom and $1,149 for a 2-bedroom apartment. The homeownership rate is 77.9%. The average annual property tax is $6,472.
How are the schools in Lone Oak?
Schools in Lone Oak score 5.5 out of 10 on standardized testing, near the national average. 21.0% of adults in Lone Oak hold a bachelor's degree or higher, below the national average of 33.7%. 79.6% have completed high school. 8.7% hold a graduate or professional degree.
How healthy is Lone Oak?
The obesity rate in Lone Oak is 35.1% (above the national rate of 32.1%). 15.8% of adults are smokers. 25.5% are physically inactive. 25.7% of residents report depression. 13.2% lack health insurance (above the national rate). 48.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:12,509.
What is transportation like in Lone Oak?
The average commute in Lone Oak is 40 minutes, longer than the national average of 28 minutes. 85.5% of workers drive alone to work, and 7.5% work from home.
What are the demographics of Lone Oak?
The racial and ethnic makeup of Lone Oak is 78.6% White, 7.8% Black or African American, 3.7% Hispanic or Latino. 97.3% of residents speak only English at home. 11.9% of the population are military veterans. 19.2% of residents have a disability. 84.5% have health insurance coverage.
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