Town in Stephens County

Living in Breckenridge, TX

B-

321st of 745Texas towns of 1,000 to 10,000 people
Overall score 56 of 100

Breckenridge earns a grade of B- on our index, 321st of 745 Texas towns of 1,000 to 10,000 people. It does best on cost of living and getting around, and trails on health and jobs and income. It is a strong pick for remote workers and people on a budget.

  • Good for remote workers
  • Good for people on a budget
  • Affordable
  • Jobs and income scores low (9 of 100)
  • Safety scores low (16 of 100)
Map of Texas showing where Breckenridge isHoustonSan AntonioDallasAustinFort WorthBreckenridge
Where Breckenridge is in Texas.
Population
5,123-0.8% since 2020
Median rent
$83940% lower than Texas
Median home value
$75,90073% lower than Texas
Household income
$48,000Median
Average commute
23 minOne way
Violent crime
366Per 100k, 2025

What it's like to live in Breckenridge

Breckenridge is a town in Stephens County. 5,123 people lived here in 2025, down 0.8% from 2020. It is spread out.

Local spots people know include Breckenridge City and Breckenridge Library.

The median age is 34.3, 37% of households have children, 65% of homes are owned by the people living in them and the typical household earns $48,000 a year (39% lower than the Texas median).

Pros of living in Breckenridge

  • Lower rent. Median rent is $839, 40% lower than the Texas median.
  • Homes are affordable for local incomes. The median home costs 1.6 times the median household income, against 3.6 times across Texas.

Cons of living in Breckenridge

  • Higher unemployment. 9.3% of the labor force is out of work, against 5.3% statewide.
  • Higher poverty. 20% of people live below the poverty line, against 14% across Texas.
  • Natural hazard risk. FEMA rates the risk of hail, wildfires and strong wind as very high here.

Who Breckenridge suits

  • FamiliesNot the best fit: 75% of rated schools earn an A or B and violent crime is 6% lower than the Texas rate. Compared with similar Texas places, it beats 39% for families.
  • Young professionalsA reasonable fit: household income is 39% lower than the Texas median, with 36 restaurants and 2 cafes in town. Compared with similar Texas places, it beats 70% for young professionals.
  • RetireesNot the best fit: 22% of working-age adults are uninsured and violent crime is 6% lower than the Texas rate. Compared with similar Texas places, it beats 39% for retirees.
  • Remote workersA strong fit: 91% of homes have broadband and the median rent of $839 is 40% lower than the Texas median. Compared with similar Texas places, it beats 86% for remote workers.
  • People on a budgetA strong fit: the median rent of $839 is 40% lower than the Texas median. Compared with similar Texas places, it beats 86% for people on a budget.

Breckenridge report card

Ten grades, one for each part of daily life we measure. Most compare Breckenridge with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade A+

    Median rent $839, homes cost 1.6x income.

    96 of 100 vs US towns

  • Jobs and income: grade D-

    Median household income $48,000, 9.3% unemployed.

    9 of 100 vs US towns

  • Schools: grade B

    4 rated campuses, 75% rated A or B.

    66 of 100 vs TX towns

  • Safety: grade D-

    366 violent crimes per 100k, 1,347 property crimes per 100k.

    16 of 100 vs TX towns

  • Errands and things to do: grade C+

    3 grocery stores, 36 restaurants, 2 parks mapped in town.

    54 of 100 vs TX towns

  • Getting around: grade A-

    Average commute 23 min, 2.8% work from home.

    83 of 100 vs US towns

  • Education levels: grade D-

    17% have a bachelor’s degree.

    15 of 100 vs US towns

  • Health: grade F

    22% of adults uninsured.

    7 of 100 vs US towns

  • Home ownership: grade D

    65% of homes owner-occupied.

    16 of 100 vs US towns

  • Internet access: grade C+

    91% of homes have broadband.

    56 of 100 vs US towns

Where Breckenridge stands out compared with Texas

Better than Texas

  • Renters paying 30%+ of income on rent: 23%29 points lower than Texas (52%)
  • Home value to income: 1.6x56% lower than Texas (3.6x)
  • Median rent: $83940% lower than Texas ($1,403)

Worse than Texas

  • Adults with a bachelor's degree or higher: 17%17 points lower than Texas (34%)
  • Median household income: $48,00039% lower than Texas ($78,476)
  • Vacant homes: 17%7 points higher than Texas (9.4%)

Cost of living in Breckenridge

Breckenridge renters pay a median of $839 a month, 40% lower than the statewide median. The usual rule is to spend no more than 30% of income on rent, which means earning around $34,000 a year for a median unit. Right now 23% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $931 for a one-bedroom, $1,014 for a two-bedroom and $1,310 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $75,900, 73% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $415 before tax, or $542 with property tax. That is close to the median rent, so buying can make sense if you plan to stay.

Texas has no state income tax, but it leans on property taxes instead, though they are lighter here than in much of the state. The median homeowner in Breckenridge pays $1,520 a year, 64% lower than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in BreckenridgeStudio$7711 bedroom$9312 bedrooms$1,0143 bedrooms$1,3104 bedrooms$1,461
HUD fair market rent for FY2027, Stephens County, TX. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent40% lower than Texas$839$1,403$1,413
Median home value73% lower than Texas$75,900$283,800$332,700
Home value to income56% lower than Texas1.6x3.6x4.1x
Renters paying 30%+ of income on rent29 points lower than Texas23%52%51%
Median property tax per year64% lower than Texas$1,520$4,232$3,119
Homes owned by the people living in them2 points higher than Texas65%63%65%
Median year homes were builtAbout the same as Texas197119921980

Monthly cost to buy a median home

$542
Mortgage payment
$415
Property tax
$127
Median rent, for comparison
$839

Based on a $75,900 home in Breckenridge, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Is Breckenridge safe?

In 2025, Breckenridge Police Department reported 19 violent crimes and 70 property crimes. That works out to 366 violent crimes per 100,000 people, 6% lower than the Texas rate of 387, and 1,347 property crimes per 100,000, 35% lower than the state rate.

Violent crime is down about 15% since 2021, based on the yearly rates below.

Crime rates describe the whole area a police department covers. Some streets are much quieter than the average and some are busier, so look at the neighborhood grades and visit at different times of day.

Violent crimes per 100,000 people in Breckenridge by yearTexas36620212022202320242025

Violent crimes per 100,000 people by year. The dashed line is the Texas rate for 2025.

Violent crime
366
per 100k, Texas 387
Property crime
1,347
per 100k, Texas 2,086
Property crimes per 100,000 people in Breckenridge by yearTexas1,34720212022202320242025

Property crimes per 100,000 people by year.

Source: FBI Crime Data Explorer, Breckenridge Police Department, 2025. Rates count reported crimes only and cover the area this police department serves.

Schools in Breckenridge

Breckenridge has 4 public school campuses with a 2025 state rating inside the city, and 75% of them earn an A or B. Most students here are served by Breckenridge ISD.

Top-rated campuses include Breckenridge High School. The average rating score across all campuses is 84 out of 100, against a Texas median of 81.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
66
of 100 vs Texas towns
Average rating
84
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • ABreckenridge High SchoolHigh, Breckenridge ISD91 of 100
  • BBreckenridge Junior HighMiddle, Breckenridge ISD85 of 100
  • BEast ElementaryElementary, Breckenridge ISD83 of 100
  • CSouth ElementaryElementary, Breckenridge ISD76 of 100

Daily life in Breckenridge

Everyday places mapped inside Breckenridge, from Overture Maps. Well-known spots include Breckenridge City, Breckenridge Library.

The average one-way commute is 23 minutes, 14% shorter than the Texas average. 3% of workers work from home. 6.7% walk, bike or take transit to work.

The median household income is $48,000, income per person is $24,531, unemployment is 9.3% and 17% of adults hold a bachelor's degree.

Grocery stores
3
Pharmacies
1
Restaurants
36
Cafes
2
Bars
3
Parks
2
Gyms
1
Hospitals and urgent care
1
Childcare
2
Libraries
1

Jobs, income and education

MeasureHereTexasUS
Median household income39% lower than Texas$48,000$78,476$80,734
Income per person40% lower than Texas$24,531$40,752$44,673
Unemployment rate4 points higher than Texas9.3%5.3%5.2%
People below the poverty line6 points higher than Texas20%14%12%
Adults with a bachelor's degree or higher17 points lower than Texas17%34%36%
Adults with a high school diploma or higher9 points lower than Texas77%86%90%
Adults 18 to 64 without health insurance2 points higher than Texas22%20%11%
Homes with broadband internetAbout the same as Texas91%91%91%

Getting to work

MeasureHereTexasUS
Average commute14% lower than Texas23 min27 min26 min
Workers who work from home12 points lower than Texas2.8%14%15%
Workers who work from home2.8%
Workers who take transit0%
Workers who walk6.7%
Workers who bike0%

Who lives in Breckenridge

Under 1828%
18 to 3423%
35 to 6436%
65 and over13%

Median age 34.3 years. 37% of households have children.

Race and ethnicity
White56%
Hispanic or Latino37%
Black3.1%
Asian1.7%
Other or more than one race1.9%

Shown for information only. It is never part of any grade.

Weather in Breckenridge

Breckenridge has a hot Texas climate. July highs average 96°F and January lows about 28°F. There are about 109 days a year at 90°F or above, and about 30 inches of rain a year.

Average monthly high and low temperatures in Breckenridge20°40°60°80°100°57J61F70M78A85M92J96J96A88S79O67N59DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Breckenridge, 1 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is low, hurricane risk is moderate, tornado risk is high and hail risk is very high. Even in lower-risk areas, check the FEMA flood map for the exact address before you buy.

  • River floodingLow
  • HurricanesModerate
  • TornadoesHigh
  • HailVery high
  • Heat wavesHigh
  • WildfiresVery high
  • Winter stormsLow
  • Strong windVery high

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Breckenridge

Nearby, Albany gets a B+, Ranger gets a D and Cisco gets a B. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. B+AlbanyTown, 1,849 people22 mi
  2. DRangerTown, 2,641 people25 mi
  3. BCiscoTown, 3,955 people25 mi
  4. CEastlandTown, 3,704 people25 mi
  5. BGrahamTown, 8,792 people30 mi
  6. C+BairdTown, 1,642 people38 mi

Living in Breckenridge: common questions

Is Breckenridge, TX a good place to live?

Breckenridge earns a grade of B- on our index, 321st of 745 Texas towns of 1,000 to 10,000 people. It does best on cost of living and getting around, and trails on health and jobs and income. It is a strong pick for remote workers and people on a budget.

How much does it cost to live in Breckenridge?

Renters in Breckenridge pay a median of $839 a month, 40% lower than the Texas median. The median home is worth $75,900, 73% lower than the Texas median. A median home costs 1.6x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $542, including property tax.

Is Breckenridge safe?

In 2025, Breckenridge Police Department reported 366 violent crimes per 100,000 people, 6% lower than the Texas rate. Property crime was 1,347 per 100,000, 35% lower than the Texas rate.

Are the schools good in Breckenridge?

We found 4 rated public school campuses inside Breckenridge. 75% are rated A or B by the Texas Education Agency. Its schools score is 66 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Breckenridge flood?

FEMA rates river flooding risk in Breckenridge as low, and coastal flooding as not rated. Hazards rated high or very high here: tornadoes, heat waves, hail, wildfires and strong wind. Always check the flood map for a specific address before you buy.

What is the weather like in Breckenridge?

Summers in Breckenridge peak at about 96°F in July, and January nights fall to about 28°F. Expect around 109 days a year at 90°F or hotter, and 30 inches of rain.

How long is the commute in Breckenridge?

The average one-way commute is 23 min, 14% lower than the Texas average. About 2.8% of workers work from home.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.