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Payne Springs, TX

Texas · Metropolitan Area

Payne Springs is a small town in Texas with a population of 648. Residents earn $42,841 per year, which is 43% below the national average.

3.2 /5.0
B Good
648 Population 306/sq mi density
$42,841 Median Income $29,371 per capita
$170,200 Home Value $282,906 Zillow
$1,125 Median Rent 42.7% income on rent
67°F Avg Temperature 330 sunny days/yr
B
Overall
3.2 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.0 / 5.0
$42,841 median income, 0.5% unemployment
A
Affordability
4.4 / 5.0
$170,200 home value, $1,125/mo rent
C
Education
2.2 / 5.0
15.0% bachelor's degree or higher
Median Income $42,841
43% lower than US avg
Home Value $170,200
40% lower than US avg
Bachelor's+ 15.0%
55% lower than US avg
Median Rent $1,125
3% lower than US avg
Obesity Rate 35.1%
9% higher than US avg
Unemployment 0.5%
86% lower than US avg
Poverty Rate 22.7%
83% higher than US avg

How Payne Springs Compares to the U.S. Average (100% = U.S. avg)

People

Population648
Median Age46.7 yrs
Density306/mi²
Male / Female47% / 53%
Largest GroupWhite 94%
Veterans12.6%

Economy

B
Median Income$42,841
Per Capita$29,371
Unemployment0.5%
Poverty22.7%
County GDP$6,967M
Commute31 min

Housing

A
Home Value$170,200
Rent$1,125
OwnershipN/A
Zillow$282,906
Housing Units381
Rent Burden42.7%

Health

Obesity35.1%
Uninsured14.4%
Smoking18.5%
Depression27.5%
Heart Disease6.2%

Climate

Avg Temp67°F (19°C)
AQI42 (Good)
Rain39.3 in/yr
Sunny Days330/yr
Elevation372 ft (113 m)

Education

C
Bachelor's+15.0%
High School+86.6%
Graduate+4.2%
School Score5.10

Community

2024 VoteR 64% / D 36%
Commute31 min
Broadband79.9%
Libraries4

Is Payne Springs a Good Place to Live?

Based on current data, Payne Springs receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, a high uninsured rate, below-average incomes. Payne Springs offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Payne Springs is $42,841, 43% below the national average of $75,149. The job market is very strong with unemployment at just 0.5%. The poverty rate of 22.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 31 minutes.

Cost of Living & Housing

The median home value in Payne Springs is $170,200, 40% below the national median — offering relatively affordable homeownership. Renters pay a median of $1,125 per month. A price-to-income ratio of 4x indicates a reasonably affordable housing market.

Education

15.0% of residents hold a bachelor's degree, below the national average of 33.7%. 86.6% have completed high school. Area schools have an average test score of 5.1/10.

Climate & Weather

Payne Springs enjoys a moderate climate with an average annual temperature of 67°F. Winters average 48°F in January while summers reach 85°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 39.3 inches. Air quality is rated Good with a median AQI of 42.

Payne Springs has a population of 648 with a density of 306 people per square mile. The median age is 46.7 years, 20% older than the national median of 38.9. The city is predominantly White (93.8%), with 3.2% Hispanic.

Population

648
Total Population
306
People / sq mi
46.7yrs
Median Age
20% above US avg
2.1mi²
Land Area

Gender Distribution

Male 47.1%
Female 52.9%

Race & Ethnicity

Payne Springs vs U.S. Average

Language Spoken at Home

English Only98.2%
25% above US avg
Spanish1.8%
87% below US avg

Social Characteristics

Payne Springs vs U.S. Average

The median household income in Payne Springs is $42,841, which is 43% below the national average of $75,149. The unemployment rate is 0.5% (below the 3.6% US average). 22.7% of residents live below the poverty line. Workers commute an average of 31 minutes.

Income: Payne Springs vs U.S.

Commute Mode

Income

Median HH Income$42,841
43% below US avg
Per Capita Income$29,371
Avg Weekly Wage$1,076
IRS Avg AGI$72,125

Employment & Poverty

Unemployment0.5%
86% below US avg
Poverty Rate22.7%
83% above US avg
Establishments (County)2,668
County GDP$6,967M

Business (County)

Restaurants225
Healthcare205
Retail327
Manufacturing109

Tax & Cost of Living

Property Tax (IRS)$7,453
113% above US avg
Cost of Living97.10 (100=avg)
Effective Tax Rate4.38%

Commute & Transportation

Commute Time30.7 min
Drive Alone83.5%
Public Transit0.0%
Work from Home1.6%

Walkability

The median home value in Payne Springs is $170,200, 40% below the national average. Monthly rent averages $1,125 (3% below US avg). Zillow estimates the typical home value at $282,906.

Home Value Sources

Ownership Split

Home Values

Census Median$170,200
40% below US avg
Zillow ZHVI$282,906
Median List Price$349,000

Real Estate Market (Redfin)

Median List Price$349,000
$/Sq Ft$139
Homes Sold1
Sale-to-List Ratio0.0%
Price Drops16.7%
Inventory12

Rental Costs

Census Median Rent$1,125
3% below US avg
Rent Burden42.7%

HUD Fair Market Rent

Studio$887
1 Bedroom$935
2 Bedrooms$1,149
3 Bedrooms$1,497
4 Bedrooms$1,733

Ownership & Property

Owner-Occupied74.2%
Housing Units381
Median Year Built1982

Property Tax

Avg Tax (IRS)$7,453
113% above US avg
Effective Rate4.38%
In Payne Springs, 35.1% of adults are obese (above the 32.1% national rate). 14.4% of residents lack health insurance. 18.5% are current smokers. 27.5% report depression. 28.1% are physically inactive.

Health Metrics: Payne Springs vs U.S. Average (%)

Chronic Conditions

Obesity35.1%
9% above US avg
Diabetes10.9%
Heart Disease6.2%
High Blood Pressure33.7%
Asthma11.0%
COPD8.2%
Cancer7.2%
Stroke3.4%

Behaviors & Mental Health

Smoking18.5%
32% above US avg
Binge Drinking19.0%
Physical Inactivity28.1%
Depression27.5%
Mental Distress21.0%
Physical Distress15.1%
Short Sleep38.4%

Healthcare Access

Insurance Rate79.0%
Uninsured14.4%
67% above US avg
Checkup Rate72.1%
Dental Visits51.2%
Premature Death8,809/100K

Food & Exercise

Food Environment8.2/10
Exercise Access67.1%
Healthcare Facilities205
Payne Springs has an average annual temperature of 67°F (19°C). Winters average 48°F in January while summers reach 85°F in July. Annual precipitation is 39.3 inches. The area enjoys 330 sunny days per year. Air quality is rated Good with a median AQI of 42.

Temperature

48°F Jan (9°C) 85°F Jul (29°C)
Annual Average67.0°F
24% above US avg
January Average48°F (9°C)
July Average85°F (29°C)
Sunny Days330 days/yr

Precipitation & Snow

Annual Rainfall39.3 inches
4% above US avg

Air Quality

AQI Median42.0
RatingGood

Geography

Elevation372 ft (113 m)
Area2.1 sq mi (5.5 km²)
Population Density306/sq mi
Coordinates32.2803°N, 96.0744°W
TimezoneAmerica/Chicago
County FIPS48257
It is classified as Metro — 1 million+. 15.0% of residents hold a bachelor's degree or higher (55% below US avg). In the 2024 election, the county voted Republican by a 27.9-point margin. 79.9% of households have broadband internet.

2024 Presidential Election (County)

R 63.5%
D 35.7%

Winner: Republican by 27.9 points

Education

Bachelor's Degree+15.0%
55% below US avg
High School+86.6%
Graduate Degree+4.2%
School Test Score5.10
C Education Grade (2.2/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density306/sq mi
Total Area2.1 sq mi

Infrastructure & Services

Broadband Access79.9%
Public Libraries4
Healthcare Facilities205
Restaurants225
Retail Stores327

Safety & Disasters

Fatal Crashes (County/yr)21
FEMA Disaster Declarations91

Commute & Transportation

Avg Commute30.7 min
Drive Alone83.5%
Public Transit0.0%
Work from Home1.6%

Nearby Cities

Eustace, TX 1,167 pop · 4.0 mi Gun Barrel City, TX 6,408 pop · 4.7 mi Tool, TX 2,399 pop · 5.7 mi Mabank, TX 4,481 pop · 6.6 mi Malakoff, TX 2,227 pop · 8.0 mi Seven Points, TX 1,287 pop · 10.2 mi Kerens, TX 1,898 pop · 13.6 mi Kemp, TX 1,389 pop · 13.7 mi Athens, TX 13,013 pop · 15.2 mi Canton, TX 4,411 pop · 22.6 mi Ben Wheeler, TX 1,793 pop · 24.6 mi Rice, TX 1,168 pop · 24.9 mi Kaufman, TX 8,010 pop · 25.3 mi Corsicana, TX 25,344 pop · 26.7 mi
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