Neighborhood in Fate, Rockwall County

Living in Luby Acres, Fate

D+

6th of 7areas in Fate
Overall score 31 of 100 vs Texas neighborhoods
Fate overall: B

Luby Acres is a neighborhood in Fate, TX, home to about 3,400 people. It gets a D+, in the bottom third of Texas neighborhoods, and ranks 6th of 7 areas we score in Fate. It does best on home ownership and worst on getting around.

  • Pricey
  • Lots of parks
  • Cost of living scores low (18 of 100)
  • Getting around scores low (15 of 100)

Closest everyday places

Grocery store1.8 mi
Pharmacy1.2 mi
Parkunder 0.1 mi
Cafe1.1 mi
Restaurant0.7 mi
Gym1.4 mi
Hospital or urgent care1.7 mi
Childcare0.6 mi
Library2.7 mi

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

Population
3,420
Median rent
$2,730
Median home value
$340,000
Household income
$113,900
Average commute
35 min
Homes owned
89%
Loading map

What it's like to live in Luby Acres

Luby Acres is a neighborhood in Fate with about 3,400 residents, mostly newer homes (median year built 2016), mostly owner-occupied (89%) and 55% of households with children.

Our grade for Luby Acres is D+. That puts it 6th of 7 areas we grade in Fate, a city that gets a B overall.

Pros of living in Luby Acres

  • Parks within walking distance. The closest park is about under 0.1 miles away.

Cons of living in Luby Acres

  • Higher unemployment. 9.2% of the labor force is out of work, against 5.4% across Fate.
  • Natural hazard risk. FEMA rates the risk of tornadoes as very high in this part of town.

Luby Acres report card

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

  • Cost of living: grade D

    Median rent $2,730, homes cost 3.0x income.

    18 of 100 vs TX areas

  • Jobs and income: grade B-

    Median household income $113,900, 9.2% unemployed.

    63 of 100 vs TX areas

  • Schools: grade C+

    Nearby schools average 81 of 100 on the state rating.

    51 of 100 vs TX areas

  • Safety: no grade

    Citywide, 112 violent crimes per 100k, 303 property crimes per 100k.

    No score vs TX areas

  • Errands and things to do: grade D+

    Few everyday stores and services within a mile of homes.

    24 of 100 vs TX areas

  • Getting around: grade D-

    Average commute 35 min, 20% work from home.

    15 of 100 vs TX areas

  • Education levels: grade C

    34% have a bachelor’s degree.

    44 of 100 vs TX areas

  • Health: grade D+

    18% of adults uninsured.

    25 of 100 vs TX areas

  • Home ownership: grade A

    89% of homes owner-occupied.

    90 of 100 vs TX areas

  • Internet access: grade B+

    98% of homes have broadband.

    78 of 100 vs TX areas

Luby Acres compared with Fate

Better than Fate

  • Vacant homes: 0%5 points lower than Fate (5.2%)

Worse than Fate

  • Renters paying 30%+ of income on rent: 82%30 points higher than Fate (52%)
  • Adults with a bachelor's degree or higher: 34%8 points lower than Fate (42%)
  • Median household income: $113,90014% lower than Fate ($132,752)

Closest public schools

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

  • BMiss May Vernon ElementaryElementary, Royse City ISD0.7 mi
  • CBobby Summers MiddleMiddle, Royse City ISD0.4 mi
  • BRoyse City High SchoolHigh, Royse City ISD4.8 mi

Cost of living in Luby Acres

Median rent in Luby Acres is $2,730 a month, 9% higher than the Fate median. A household would need about $109,000 a year to keep that rent at 30% of income.

The median home is worth $340,000, 12% lower than the Fate median, which means a monthly payment of about $2,350 with property tax at today's mortgage rates.

MeasureHereFateTexas
Median rent9% higher than Fate$2,730$2,500$1,403
Median home value12% lower than Fate$340,000$384,300$283,800
Home value to income3% higher than Fate3.0x2.9x3.6x
Renters paying 30%+ of income on rent30 points higher than Fate82%52%52%
Homes owned by the people living in them3 points lower than Fate89%92%63%
Vacant homes5 points lower than Fate0%5.2%9.4%
Median year homes were builtAbout the same as Fate201620131992

Monthly cost to buy a median home

$2,350
Mortgage payment
$1,861
Property tax
$489
Median rent, for comparison
$2,730

Based on a $340,000 home in Luby Acres, 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

MeasureHereFateTexas
Median household income14% lower than Fate$113,900$132,752$78,476
Unemployment rate4 points higher than Fate9.2%5.4%5.3%
People below the poverty lineAbout the same as Fate2.6%3.6%14%
Adults with a bachelor's degree or higher8 points lower than Fate34%42%34%
Average commuteAbout the same as Fate35 min35 min27 min
Workers who work from home3 points higher than Fate20%17%14%
Workers who walk, bike or take transitAbout the same as Fate0.4%0.8%2.6%
Homes with broadband internetAbout the same as Fate98%98%91%

Natural hazard risk

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

  • River floodingVery low
  • HurricanesLow
  • TornadoesVery high
  • HailHigh
  • Heat wavesHigh
  • WildfiresHigh
  • Winter stormsLow
  • Strong windHigh

Who lives in Luby Acres

Under 1831%
18 to 3434%
35 to 6429%
65 and over5.0%
Race and ethnicity
White21%
Hispanic or Latino71%
Black5.3%
Asian2.2%
Other or more than one race0.7%

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

Other neighborhoods in Fate

  1. 1AMonterra
  2. 2A-WoodcreekMedian rent $2,570
  3. 3B+AvondaleMedian rent $1,190
  4. 4B+Chamberlain CrossingMedian rent $2,870
  5. 5C+Spring MeadowMedian rent $2,090
  6. 7D+Melody RanchMedian rent $2,100

Similar neighborhoods in other cities

Areas elsewhere in Texas with the closest mix of grades.

  1. C-The SettlementRound Rock
  2. CSoutheast RosenbergRosenberg
  3. C-Bluebird MeadowsBurleson

Questions about Luby Acres

Is Luby Acres a good place to live?

Luby Acres is a neighborhood in Fate, TX, home to about 3,400 people. It gets a D+, in the bottom third of Texas neighborhoods, and ranks 6th of 7 areas we score in Fate. It does best on home ownership and worst on getting around.

How much does it cost to live in Luby Acres?

Renters in Luby Acres pay a median of $2,730 a month, 9% higher than the Fate median. The median home is worth $340,000, 12% lower than the Fate median. A median home costs 3.0x the median household income, compared with 2.9x across Fate.

What schools serve Luby Acres?

The closest rated public schools are Miss May Vernon Elementary (elementary, rated B), Bobby Summers Middle (middle, rated C) and Royse City High School (high, rated B). 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 Luby Acres 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.