Median Income
$86,875
16% higher than US avg
Home Value
$112,500
60% lower than US avg
Violent Crime
501/100K
32% higher than US avg
Bachelor's+
16.4%
51% lower than US avg
Obesity Rate
39.4%
23% higher than US avg
Unemployment
5.3%
47% higher than US avg
Poverty Rate
10.5%
15% lower than US avg
How Oak Valley Compares to the U.S. Average (100% = U.S. avg)
People
Population396
Median Age41.4 yrs
Density204/mi²
Male / Female51% / 49%
Largest GroupWhite 89%
Veterans8.2%
Economy
A
Median Income$86,875
Per Capita$31,894
Unemployment5.3%
Poverty10.5%
County GDP$2,378M
Commute18 min
Housing
A+
Home Value$112,500
Ownership87.6%
Zillow$291,003
Housing Units213
Rent Burden10.0%
Crime
F
Violent501/100K
Property4,684/100K
Health
Obesity39.4%
Uninsured20.2%
Smoking21.5%
Depression27.3%
Heart Disease7.3%
Climate
Avg Temp66°F (19°C)
AQI42 (Good)
Rain40.2 in/yr
Sunny Days308/yr
Elevation430 ft (131 m)
Education
C
Bachelor's+16.4%
High School+88.4%
Graduate+10.3%
School Score4.97
Community
2024 VoteR 76% / D 24%
Commute18 min
Broadband76.7%
EV Stations4
Libraries2
Is Oak Valley a Good Place to Live?
Based on current data, Oak Valley receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, affordable housing, abundant sunshine. Areas to be aware of include elevated crime rates, above-average unemployment, a high uninsured rate. Oak Valley offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Oak Valley is $86,875, 16% above the national average of $75,149. Residents generally enjoy above-average earning potential. The unemployment rate of 5.3% is somewhat elevated compared to the national rate of 3.6%. 10.5% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 18 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Oak Valley is $112,500, 60% below the national median / offering relatively affordable homeownership. At just 1.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 501 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 4,684 per 100,000, 139% above the national average.
Education
16.4% of residents hold a bachelor's degree, below the national average of 33.7%. 88.4% have completed high school. Area schools have an average test score of 5/10.
Climate & Weather
Oak Valley enjoys a moderate climate with an average annual temperature of 66°F. Winters average 46°F in January while summers reach 84°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.2 inches. Air quality is rated Good with a median AQI of 42.
Oak Valley has a population of 396 with a density of 204 people per square mile, spread across 2.0 square miles. The median age is 41.4 years, 6% older than the national median of 38.9. The gender split is 49.2% female and 50.8% male. The city is predominantly White (88.6%), with 1.5% Hispanic, 3.5% Black. English is the primary language spoken at home by 93.6% of residents, while 6.4% speak Spanish. 8.2% of the population are veterans, above the national rate of 6.0%. 20.8% of residents have a disability (above the 13.0% national average). 84.4% have health insurance coverage.
Population
41.4yrs
Median Age
6% above US avg
Race & Ethnicity
Oak Valley vs U.S. Average
Language Spoken at Home
English Only
93.6%
19% above US avg
Spanish
6.4%
52% below US avg
Social Characteristics
Oak Valley vs U.S. Average
The median household income in Oak Valley is $86,875, which is 16% above the national average of $75,149. Per capita income is $31,894 (below the $39,052 national figure). The average weekly wage is $966, 33% lower than the U.S. average. The unemployment rate is 5.3% (above the 3.6% US average). 10.5% of residents live below the poverty line. The area has 1,010 business establishments, including 79 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 18 minutes (shorter than the 28-minute US average). 7.8% of workers work from home (below the 15.2% national rate).
Income: Oak Valley vs U.S.
Income
| Median HH Income | $86,875 |
| 16% above US avg |
| Per Capita Income | $31,894 |
| Avg Weekly Wage | $966 |
| IRS Avg AGI | $63,502 |
| Gini Index | 0.457 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.3% |
| 47% above US avg |
| Poverty Rate | 10.5% |
| 15% below US avg |
| Establishments (County) | 1,010 |
| County GDP | $2,378M |
Business (County)
| Restaurants | 79 |
| Healthcare | 122 |
| Retail | 147 |
| Manufacturing | 58 |
Tax & Cost of Living
| Property Tax (IRS) | $7,220 |
| 106% above US avg |
| Cost of Living | 97.10 (100=avg) |
| Effective Tax Rate | 6.42% |
Commute & Transportation
| Commute Time | 17.8 min |
| Drive Alone | 84.9% |
| Public Transit | 0.0% |
| Work from Home | 7.8% |
The median home value in Oak Valley is $112,500, 60% below the national median of $281,900. Zillow estimates the typical home value at $291,003, higher than the Census estimate. Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. 87.6% of housing units are owner-occupied (above the 65.4% national rate). There are 213 total housing units in the city. The median year a home was built is 1987. The average annual property tax is $7,220 (higher than the $3,500 national average). 10.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $112,500 |
| 60% below US avg |
| Zillow ZHVI | $291,003 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $887 |
| 1 Bedroom | $935 |
| 2 Bedrooms | $1,149 |
| 3 Bedrooms | $1,497 |
| 4 Bedrooms | $1,733 |
Ownership & Property
| Homeownership | 87.6% |
| Owner-Occupied | 87.6% |
| Renter-Occupied | 12.4% |
| Housing Units | 213 |
| Median Year Built | 1987 |
Property Tax
| Avg Tax (IRS) | $7,220 |
| 106% above US avg |
| Effective Rate | 6.42% |
In Oak Valley, 39.4% of adults are obese, above the national rate of 32.1%. 13.6% have diabetes (above the 10.5% national rate). Heart disease affects 7.3% of residents, above the national average. 36.4% have high blood pressure. 21.5% are current smokers (above the 14.0% national rate). 17.8% report binge drinking. 33.8% are physically inactive, above the national average. 27.3% report depression (above the 20.0% national average). 22.2% experience frequent mental distress. 20.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,573. The dentist ratio is 1:2,732. 53.4% of residents have access to exercise opportunities. The food environment index is 6.7 out of 10.
Health Metrics: Oak Valley vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.4% |
| 23% above US avg |
| Diabetes | 13.6% |
| Heart Disease | 7.3% |
| High Blood Pressure | 36.4% |
| Asthma | 11.4% |
| COPD | 9.9% |
| Cancer | 6.9% |
| Stroke | 4.1% |
Behaviors & Mental Health
| Smoking | 21.5% |
| 54% above US avg |
| Binge Drinking | 17.8% |
| Physical Inactivity | 33.8% |
| Depression | 27.3% |
| Mental Distress | 22.2% |
| Physical Distress | 17.3% |
| Short Sleep | 41.3% |
Healthcare Access
| Insurance Rate | 84.4% |
| Uninsured | 20.2% |
| 135% above US avg |
| Primary Care | 1:3,573 |
| Dentists | 1:2,732 |
| Mental Health | 1:1,325 |
| Checkup Rate | 71.7% |
| Dental Visits | 42.2% |
| Premature Death | 11,374/100K |
Food & Exercise
| Food Environment | 6.7/10 |
| Exercise Access | 53.4% |
| Healthcare Facilities | 122 |
Oak Valley has a violent crime rate of 501 per 100,000 residents, 32% above the national average of 380. Property crime stands at 4,684 per 100,000, 139% above the U.S. average. The county recorded 8 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Oak Valley receives a safety grade of F.
Crime Rates: Oak Valley vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 500.5/100K |
| 32% above US avg |
| |
Property Crime
| Total Property | 4,683.9/100K |
| 139% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Oak Valley enjoys a temperate climate with an average annual temperature of 66°F (19°C). Winters average 46°F in January while summers reach 84°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 40.2 inches. Air quality is rated Good with a median AQI of 42. The city sits at an elevation of 430 feet.
Temperature
46°F Jan (8°C)
84°F Jul (29°C)
| Annual Average | 65.8°F |
| 22% above US avg |
| January Average | 46°F (8°C) |
| July Average | 84°F (29°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 430 ft (131 m) |
| Area | 2.0 sq mi (5.1 km²) |
| Population Density | 204/sq mi |
| Coordinates | 32.0291°N, 96.5174°W |
| Timezone | America/Chicago |
| County | Navarro County County |
| Nearest Airport | Waco Regional (ACT)
51 miles away |
Precipitation & Snow
Annual Rainfall
40.2"
6% above US avg
Wettest Month (May)
5.08"
Air Quality
| AQI Median | 42.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0459 ppm |
| NO₂ (Nitrogen Dioxide) | 5.8 ppb |
| SO₂ (Sulfur Dioxide) | 2.87 ppb |
| PM2.5 (Fine Particles) | 9.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 75.3 / 100 |
| Social Vulnerability | 71.6 / 100 |
| Community Resilience | 27.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
87 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 |
74 km |
| Dec 8, 2013 |
0 km NNE of Sanctuary, Texas |
M3.6 |
140 km |
| Nov 20, 2013 |
1 km NNW of Azle, Texas |
M3.6 |
138 km |
| Jan 7, 2015 |
6 km NE of Irving, Texas |
M3.6 |
98 km |
| Jan 6, 2015 |
4 km ENE of Irving, Texas |
M3.5 |
97 km |
| Jun 24, 2012 |
3 km SSE of Briaroaks, Texas |
M3.5 |
88 km |
| Nov 25, 2013 |
3 km WNW of Sanctuary, Texas |
M3.4 |
143 km |
| May 31, 1997 |
3 km ESE of Neylandville, Texas |
M3.4 |
138 km |
| May 19, 2018 |
8 km NW of Venus, Texas |
M3.4 |
79 km |
| Sep 30, 2012 |
4 km NW of Irving, Texas |
M3.4 |
100 km |
| May 16, 2009 |
5 km NNW of Grand Prairie, Texas |
M3.3 |
97 km |
| May 18, 2015 |
5 km N of Irving, Texas |
M3.3 |
102 km |
| Apr 2, 2015 |
5 km NNE of Irving, Texas |
M3.3 |
100 km |
| Jan 18, 2012 |
9 km SSE of Godley, Texas |
M3.3 |
99 km |
| Jun 15, 2012 |
5 km SSE of Briaroaks, Texas |
M3.3 |
86 km |
| May 1, 2024 |
7 km S of Mansfield, Texas |
M3.2 |
79 km |
| May 3, 2015 |
4 km N of Irving, Texas |
M3.2 |
100 km |
| May 1, 2024 |
7 km SSW of Mansfield, Texas |
M3.1 |
82 km |
| Jan 13, 2014 |
2 km ESE of Reno, Texas |
M3.1 |
140 km |
| Feb 27, 2015 |
4 km ENE of Irving, Texas |
M3.1 |
97 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
3 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 2. Most recent: Ike (2008, Cat 2).
| Year |
Name |
Category |
Closest |
| 2008 |
Ike |
Category 2 |
163 km |
| 2005 |
Rita |
Category 3 |
286 km |
| 1983 |
Alicia |
Category 2 |
277 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
625 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 162 fatalities, 2,036 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 11, 1953 |
EF5 |
80 km |
114 |
| Apr 29, 2017 |
EF4 |
53 km |
2 |
| Dec 26, 2015 |
EF4 |
86 km |
10 |
| Apr 25, 1994 |
EF4 |
67 km |
3 |
| May 26, 1976 |
EF4 |
77 km |
0 |
| Mar 10, 1973 |
EF4 |
63 km |
6 |
| Mar 31, 1959 |
EF4 |
69 km |
6 |
| Apr 29, 2017 |
EF3 |
73 km |
2 |
| Dec 26, 2015 |
EF3 |
61 km |
0 |
| May 10, 2015 |
EF3 |
95 km |
2 |
| May 15, 2013 |
EF3 |
95 km |
0 |
| Apr 3, 2012 |
EF3 |
80 km |
0 |
| May 12, 2000 |
EF3 |
82 km |
2 |
| Mar 28, 2000 |
EF3 |
96 km |
0 |
| Apr 27, 1990 |
EF3 |
48 km |
0 |
| Nov 15, 1987 |
EF3 |
91 km |
1 |
| Dec 13, 1984 |
EF3 |
78 km |
0 |
| Oct 13, 1981 |
EF3 |
36 km |
0 |
| May 9, 1981 |
EF3 |
48 km |
0 |
| May 9, 1981 |
EF3 |
59 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
5 wildfires (100+ acres) within 100 km.
Largest: S839 CONCORD ROBBINS (4,388 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
S839 CONCORD ROBBINS |
4,388 |
96 km |
| 2011 |
C#491 |
3,616 |
48 km |
| 2011 |
495 |
1,606 |
85 km |
| 2011 |
507 |
1,121 |
92 km |
| 2011 |
CEDAR RIDGE |
1,051 |
82 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
46°F (8°C) |
2.2 in |
Coldest |
| February |
50°F (10°C) |
2.8 in |
|
| March |
58°F (14°C) |
3.2 in |
|
| April |
65°F (18°C) |
3.4 in |
|
| May |
73°F (23°C) |
5.1 in |
Wettest |
| June |
80°F (27°C) |
3.4 in |
|
| July |
84°F (29°C) |
1.9 in |
Warmest, Driest |
| August |
84°F (29°C) |
2.1 in |
|
| September |
78°F (25°C) |
3.5 in |
|
| October |
67°F (20°C) |
4.2 in |
|
| November |
56°F (13°C) |
3.1 in |
|
| December |
48°F (9°C) |
2.9 in |
|
Oak Valley has a seasonal temperature swing of 38°F / from 46°F in January to 84°F in July. Total annual precipitation is 37.7 inches, with May being the wettest month (5.1") and July the driest (1.9").
Average costs for common services in Oak Valley. 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 | $827 |
| Toddler | $762 |
| Preschool | $736 |
| Family Childcare (monthly) |
| Infant | $723 |
| Toddler | $684 |
| Preschool | $675 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Oak Valley
What is the population of Oak Valley?
Oak Valley has a population of 396 residents and is located in Texas. The population density is 204 people per square mile, spread across 2.0 square miles. The median age of residents is 41.4 years, which is older than the national median of 38.9 years. The population is 49.2% female and 50.8% male.
Is Oak Valley expensive to live in?
Oak Valley 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 $86,875, 16% above the national average of $75,149. The median home value is $112,500 (60% below the U.S. median). The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
Is Oak Valley safe?
The violent crime rate in Oak Valley is 501 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 4,684 per 100,000 (above the national average). Overall, Oak Valley receives a safety grade of F based on combined crime data.
What is the weather like in Oak Valley?
Oak Valley enjoys a temperate climate with an average annual temperature of 66°F (19°C). Winter temperatures average 46°F in January, while summers reach an average of 84°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 40.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 42.
How is the job market in Oak Valley?
The unemployment rate in Oak Valley is 5.3%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $966. There are 1,010 business establishments in the area, including 79 restaurants and food service locations. The average commute time is 18 minutes, and 7.8% of workers work from home.
How much does housing cost in Oak Valley?
The median home value in Oak Valley is $112,500. Zillow estimates the typical home value at $291,003. The homeownership rate is 87.6%. The average annual property tax is $7,220.
How are the schools in Oak Valley?
Schools in Oak Valley score 5 out of 10 on standardized testing, near the national average. 16.4% of adults in Oak Valley hold a bachelor's degree or higher, below the national average of 33.7%. 88.4% have completed high school. 10.3% hold a graduate or professional degree.
How healthy is Oak Valley?
The obesity rate in Oak Valley is 39.4% (above the national rate of 32.1%). 21.5% of adults are smokers. 33.8% are physically inactive. 27.3% of residents report depression. 20.2% lack health insurance (above the national rate). 53.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,573.
What is transportation like in Oak Valley?
The average commute in Oak Valley is 18 minutes, shorter than the national average of 28 minutes. 84.9% of workers drive alone to work, and 7.8% work from home.
What are the demographics of Oak Valley?
The racial and ethnic makeup of Oak Valley is 88.6% White, 3.5% Black or African American, 1.5% Hispanic or Latino. 93.6% of residents speak only English at home, while 6.4% speak Spanish. 8.2% of the population are military veterans. 20.8% of residents have a disability. 84.4% have health insurance coverage.
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