Neighborhood in Cleburne, Johnson County

Living in Stephens, Cleburne

B

5th of 15areas in Cleburne
Overall score 69 of 100 vs Texas neighborhoods
Cleburne overall: C

Stephens is a neighborhood in Cleburne, TX, home to about 1,700 people. It gets a B, in the top 36% of Texas neighborhoods, and ranks 5th of 15 areas we score in Cleburne. It does best on errands and things to do and worst on education levels.

  • Well connected
  • Short commutes
  • Lots of parks
  • Education levels scores low (9 of 100)
  • Tornado risk is very high

Closest everyday places

Grocery store0.4 mi
Pharmacy0.3 mi
Park0.5 mi
Cafeunder 0.1 mi
Restaurant0.1 mi
Gym0.4 mi
Hospital or urgent care1.6 mi
Childcareunder 0.1 mi
Library0.7 mi

Straight-line distance from the middle of where people live. Overture Maps.

Population
1,650
Median rent
$1,310
Median home value
$156,000
Household income
$58,100
Average commute
18 min
Homes owned
97%
Loading map

What it's like to live in Stephens

Stephens is a neighborhood in Cleburne with about 1,700 residents, older homes (median year built 1962), mostly owner-occupied (97%) and 50% of households with children.

It grades B against every neighborhood in Texas and ranks 5th of 15 areas in Cleburne, which grades C overall.

Pros of living in Stephens

  • Groceries close by. The nearest grocery store is about 0.4 miles from the middle of the neighborhood.
  • Parks within walking distance. The closest park is about 0.5 miles away.

Cons of living in Stephens

  • Natural hazard risk. FEMA rates the risk of tornadoes as very high in this part of town.

Stephens report card

Each grade compares Stephens with every neighborhood in Texas. Safety is not graded for single neighborhoods because police report crime for the whole city.

  • Cost of living: grade C-

    Median rent $1,310, homes cost 2.7x income.

    40 of 100 vs TX areas

  • Jobs and income: grade B+

    Median household income $58,100, 0% unemployed.

    78 of 100 vs TX areas

  • Schools: grade C

    Nearby schools average 79 of 100 on the state rating.

    41 of 100 vs TX areas

  • Safety: no grade

    Citywide, 172 violent crimes per 100k, 877 property crimes per 100k.

    No score vs TX areas

  • Errands and things to do: grade A

    Most everyday stores and services within a mile of homes.

    92 of 100 vs TX areas

  • Getting around: grade B-

    Average commute 18 min, 0% work from home.

    57 of 100 vs TX areas

  • Education levels: grade D-

    9.6% have a bachelor’s degree.

    9 of 100 vs TX areas

  • Health: grade D

    17% of adults uninsured.

    23 of 100 vs TX areas

  • Home ownership: grade B

    97% of homes owner-occupied.

    64 of 100 vs TX areas

  • Internet access: grade A

    100% of homes have broadband.

    91 of 100 vs TX areas

Stephens compared with Cleburne

Better than Cleburne

  • Homes owned by the people living in them: 97%37 points higher than Cleburne (60%)
  • Average commute: 18 min29% lower than Cleburne (25 min)
  • People below the poverty line: 0.9%9 points lower than Cleburne (10%)

Worse than Cleburne

  • Renters paying 30%+ of income on rent: 100%47 points higher than Cleburne (53%)
  • Adults with a bachelor's degree or higher: 9.6%11 points lower than Cleburne (20%)
  • Median household income: $58,10018% lower than Cleburne ($70,656)

Closest public schools

Texas Education Agency 2025 ratings. Check the attendance zone for any address with the district.

  • BColeman ElementaryElementary, Cleburne ISD0.5 mi
  • CAd Wheat MiddleMiddle, Cleburne ISD1.1 mi
  • CCleburne High SchoolHigh, Cleburne ISD1.4 mi

Cost of living in Stephens

Median rent in Stephens is $1,310 a month, about the same as the Cleburne median. A household would need about $52,000 a year to keep that rent at 30% of income.

The median home is worth $156,000, 29% lower than the Cleburne median, which means a monthly payment of about $1,134 with property tax at today's mortgage rates.

MeasureHereCleburneTexas
Median rentAbout the same as Cleburne$1,310$1,322$1,403
Median home value29% lower than Cleburne$156,000$221,100$283,800
Home value to income14% lower than Cleburne2.7x3.1x3.6x
Renters paying 30%+ of income on rent47 points higher than Cleburne100%53%52%
Homes owned by the people living in them37 points higher than Cleburne97%60%63%
Vacant homes7 points higher than Cleburne14%7.6%9.4%
Median year homes were builtAbout the same as Cleburne196219831992

Monthly cost to buy a median home

$1,134
Mortgage payment
$854
Property tax
$280
Median rent, for comparison
$1,310

Based on a $156,000 home in Stephens, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median for the surrounding Census tract, or the county where that is not published. Insurance and fees are not included.

Work, income and getting around

MeasureHereCleburneTexas
Median household income18% lower than Cleburne$58,100$70,656$78,476
Unemployment rate2 points lower than Cleburne0%2.0%5.3%
People below the poverty line9 points lower than Cleburne0.9%10%14%
Adults with a bachelor's degree or higher11 points lower than Cleburne9.6%20%34%
Average commute29% lower than Cleburne18 min25 min27 min
Workers who work from home4 points lower than Cleburne0%3.6%14%
Workers who walk, bike or take transitAbout the same as Cleburne0%0.6%2.6%
Homes with broadband internet9 points higher than Cleburne100%91%91%

Natural hazard risk

FEMA National Risk Index for the Census tracts in this area.

  • River floodingModerate
  • HurricanesLow
  • TornadoesVery high
  • HailHigh
  • Heat wavesHigh
  • WildfiresLow
  • Winter stormsLow
  • Strong windHigh

Who lives in Stephens

Under 1832%
18 to 3425%
35 to 6415%
65 and over28%
Race and ethnicity
White19%
Hispanic or Latino80%
Black0%
Asian0%
Other or more than one race0.7%

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

Other neighborhoods in Cleburne

  1. 1A-Bellevue PlaceMedian rent $1,700
  2. 2B+HeardMedian rent $710
  3. 3B+Westhill TerraceMedian rent $1,700
  4. 4BCross Creek EstatesMedian rent $2,710
  5. 6BScruggsMedian rent $1,510
  6. 7BPlacid AcresMedian rent $1,710
  7. 8CChamber EastMedian rent $1,160
  8. 9C-Chisholm HillsMedian rent $1,530

Similar neighborhoods in other cities

Areas elsewhere in Texas with the closest mix of grades.

  1. C+KenwoodOdessa
  2. BSmallin Terrace AdditionSeminole
  3. CWindsor HillsAustin

Questions about Stephens

Is Stephens a good place to live?

Stephens is a neighborhood in Cleburne, TX, home to about 1,700 people. It gets a B, in the top 36% of Texas neighborhoods, and ranks 5th of 15 areas we score in Cleburne. It does best on errands and things to do and worst on education levels.

How much does it cost to live in Stephens?

Median rent in Stephens is $1,310 a month, about the same as the Cleburne median. The median home is worth $156,000, 29% lower than the Cleburne median. A median home costs 2.7x the median household income, compared with 3.1x across Cleburne.

What schools serve Stephens?

The closest rated public schools are Coleman Elementary (elementary, rated B), Ad Wheat Middle (middle, rated C) and Cleburne High School (high, rated C). School zones can differ from the closest school, so check with the district.

This area is built from 1 Census block group closest to the Stephens name on the map, so its edges are approximate. Sources: US Census Bureau 2020-2024 ACS 5-year, CDC PLACES 2025, Texas Education Agency, FEMA National Risk Index, Overture Maps. How we grade.