Town in Burnet County

Living in Granite Shoals, TX

D+

536th of 745Texas towns of 1,000 to 10,000 people
Overall score 28 of 100

Granite Shoals gets an overall grade of D+ and ranks 536th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and jobs and income, and trails on getting around and schools.

  • Schools scores low (8 of 100)
  • Getting around scores low (1 of 100)
Map of Texas showing where Granite Shoals isHoustonSan AntonioDallasFort WorthGranite Shoals
Where Granite Shoals is in Texas.
Population
5,498+7.1% since 2020
Median rent
$1,3196% lower than Texas
Median home value
$259,8008% lower than Texas
Household income
$78,042Median
Average commute
40 minOne way
Violent crime
128Per 100k, 2025

What it's like to live in Granite Shoals

Granite Shoals is a town in Burnet County. 5,498 people lived here in 2025, up 7.1% from 2020. It is spread out.

Local spots people know include Robin Hood Park, Bluebriar Park and Leo Manzano Hike, Bike and Run Trails.

The median age is 41.9, 36% of households have children, 79% of homes are owned by the people living in them and the typical household earns $78,042 a year (about the same as the Texas median).

Pros of living in Granite Shoals

  • Low violent crime. 128 violent crimes per 100,000 people in 2025, 67% lower than the Texas rate.

Cons of living in Granite Shoals

  • Long commutes. The average trip to work takes 40 minutes, against 27 across Texas.
  • Natural hazard risk. FEMA rates the risk of river flooding, tornadoes and heat waves as very high here.

Who Granite Shoals suits

  • FamiliesNot the best fit: violent crime is 67% lower than the Texas rate. Compared with similar Texas places, it beats 18% for families.
  • Young professionalsNot the best fit: household income is about the same as the Texas median, with 8 restaurants and 0 cafes in town. Compared with similar Texas places, it beats 27% for young professionals.
  • RetireesNot the best fit: 24% of working-age adults are uninsured and violent crime is 67% lower than the Texas rate. Compared with similar Texas places, it beats 39% for retirees.
  • Remote workersA reasonable fit: 96% of homes have broadband and the median rent of $1,319 is 6% lower than the Texas median. Compared with similar Texas places, it beats 74% for remote workers.
  • People on a budgetA reasonable fit: the median rent of $1,319 is 6% lower than the Texas median. Compared with similar Texas places, it beats 53% for people on a budget.

Granite Shoals report card

Ten grades, one for each part of daily life we measure. Most compare Granite Shoals 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 C+

    Median rent $1,319, homes cost 3.3x income.

    51 of 100 vs US towns

  • Jobs and income: grade B+

    Median household income $78,042, 4.3% unemployed.

    74 of 100 vs US towns

  • Schools: grade F

    1 rated campuses, 0% rated A or B.

    8 of 100 vs TX towns

  • Safety: grade B-

    128 violent crimes per 100k, 419 property crimes per 100k.

    61 of 100 vs TX towns

  • Errands and things to do: grade D+

    2 grocery stores, 8 restaurants, 7 parks mapped in town.

    26 of 100 vs TX towns

  • Getting around: grade F

    Average commute 40 min, 14% work from home.

    1 of 100 vs US towns

  • Education levels: grade D

    21% have a bachelor’s degree.

    24 of 100 vs US towns

  • Health: grade D

    24% of adults uninsured.

    22 of 100 vs US towns

  • Home ownership: grade D+

    79% of homes owner-occupied.

    32 of 100 vs US towns

  • Internet access: grade A-

    96% of homes have broadband.

    83 of 100 vs US towns

Where Granite Shoals stands out compared with Texas

Better than Texas

  • Renters paying 30%+ of income on rent: 30%22 points lower than Texas (52%)
  • Homes owned by the people living in them: 79%16 points higher than Texas (63%)
  • People below the poverty line: 2.4%11 points lower than Texas (14%)

Worse than Texas

  • Average commute: 40 min50% higher than Texas (27 min)
  • Vacant homes: 23%14 points higher than Texas (9.4%)
  • Adults with a bachelor's degree or higher: 21%13 points lower than Texas (34%)

Cost of living in Granite Shoals

Granite Shoals renters pay a median of $1,319 a month, 6% lower than the statewide median. The usual rule is to spend no more than 30% of income on rent, which means earning around $53,000 a year for a median unit. Right now 30% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $1,074 for a one-bedroom, $1,349 for a two-bedroom and $1,766 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 $259,800, 8% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $1,422 before tax, or $1,695 with property tax. That is $376 a month more than the median rent, so renting is the cheaper monthly choice unless you plan to stay for years.

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 Granite Shoals pays $3,273 a year, 23% 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 Granite ShoalsStudio$1,0251 bedroom$1,0742 bedrooms$1,3493 bedrooms$1,7664 bedrooms$1,773
HUD fair market rent for FY2027, Burnet County, TX. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent6% lower than Texas$1,319$1,403$1,413
Median home value8% lower than Texas$259,800$283,800$332,700
Home value to income8% lower than Texas3.3x3.6x4.1x
Renters paying 30%+ of income on rent22 points lower than Texas30%52%51%
Median property tax per year23% lower than Texas$3,273$4,232$3,119
Homes owned by the people living in them16 points higher than Texas79%63%65%
Median year homes were builtAbout the same as Texas198819921980

Monthly cost to buy a median home

$1,695
Mortgage payment
$1,422
Property tax
$273
Median rent, for comparison
$1,319

Based on a $259,800 home in Granite Shoals, 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 Granite Shoals safe?

In 2025, Granite Shoals Police Department reported 7 violent crimes and 23 property crimes. That works out to 128 violent crimes per 100,000 people, 67% lower than the Texas rate of 387, and 419 property crimes per 100,000, 80% lower than the state rate.

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 Granite Shoals by yearTexas128202320242025

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

Violent crime
128
per 100k, Texas 387
Property crime
419
per 100k, Texas 2,086
Property crimes per 100,000 people in Granite Shoals by yearTexas419202320242025

Property crimes per 100,000 people by year.

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

Schools in Granite Shoals

Granite Shoals has 1 public school campuses with a 2025 state rating inside the city, and 0% of them earn an A or B. Most students here are served by Marble Falls ISD.

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
8
of 100 vs Texas towns
Average rating
69
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

  • DHighland Lakes ElementaryElementary, Marble Falls ISD69 of 100

Daily life in Granite Shoals

Everyday places mapped inside Granite Shoals, from Overture Maps. Well-known spots include Robin Hood Park, Bluebriar Park, Leo Manzano Hike, Bike and Run Trails.

The average one-way commute is 40 minutes, 50% longer than the Texas average. 14% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

The median household income is $78,042, income per person is $39,711, unemployment is 4.3% and 21% of adults hold a bachelor's degree.

Grocery stores
2
Pharmacies
0
Restaurants
8
Cafes
0
Bars
1
Parks
7
Gyms
0
Hospitals and urgent care
0
Childcare
0
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household incomeAbout the same as Texas$78,042$78,476$80,734
Income per personAbout the same as Texas$39,711$40,752$44,673
Unemployment rateAbout the same as Texas4.3%5.3%5.2%
People below the poverty line11 points lower than Texas2.4%14%12%
Adults with a bachelor's degree or higher13 points lower than Texas21%34%36%
Adults with a high school diploma or higher6 points lower than Texas80%86%90%
Adults 18 to 64 without health insurance4 points higher than Texas24%20%11%
Homes with broadband internet5 points higher than Texas96%91%91%

Getting to work

MeasureHereTexasUS
Average commute50% higher than Texas40 min27 min26 min
Workers who work from homeAbout the same as Texas14%14%15%
Workers who work from home14%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Granite Shoals

Under 1826%
18 to 3413%
35 to 6442%
65 and over19%

Median age 41.9 years. 36% of households have children.

Race and ethnicity
White47%
Hispanic or Latino50%
Black1.8%
Asian0.3%
Other or more than one race1.3%

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

Weather in Granite Shoals

Granite Shoals has a hot Texas climate. July highs average 95°F and January lows about 38°F. There are about 103 days a year at 90°F or above, and about 28 inches of rain a year.

Average monthly high and low temperatures in Granite Shoals30°50°70°90°61J64F72M79A85M92J95J96A89S80O69N61DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Burnet Muni Ap, 12 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is very high, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

  • River floodingVery high
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesVery high
  • WildfiresVery high
  • Winter stormsVery high
  • 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 Granite Shoals

Nearby, Cottonwood Shores gets a C+, Meadowlakes gets a C+ and Horseshoe Bay 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. C+Cottonwood ShoresTown, 1,859 people3 mi
  2. C+MeadowlakesTown, 1,861 people4 mi
  3. B-Horseshoe BayTown, 4,854 people4 mi
  4. DMarble FallsTown, 7,752 people5 mi
  5. FKingslandTown, 7,330 people9 mi
  6. C-BurnetTown, 6,732 people12 mi

Living in Granite Shoals: common questions

Is Granite Shoals, TX a good place to live?

Granite Shoals gets an overall grade of D+ and ranks 536th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and jobs and income, and trails on getting around and schools.

How much does it cost to live in Granite Shoals?

Renters in Granite Shoals pay a median of $1,319 a month, 6% lower than the Texas median. The median home is worth $259,800, 8% lower than the Texas median. A median home costs 3.3x 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 $1,695, including property tax.

Is Granite Shoals safe?

In 2025, Granite Shoals Police Department reported 128 violent crimes per 100,000 people, 67% lower than the Texas rate. Property crime was 419 per 100,000, 80% lower than the Texas rate.

Are the schools good in Granite Shoals?

We found 1 rated public school campuses inside Granite Shoals. 0% are rated A or B by the Texas Education Agency. Its schools score is 8 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Granite Shoals flood?

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

What is the weather like in Granite Shoals?

Summers in Granite Shoals peak at about 95°F in July, and January nights fall to about 38°F. Expect around 103 days a year at 90°F or hotter, and 28 inches of rain.

How long is the commute in Granite Shoals?

The average one-way commute is 40 min, 50% higher than the Texas average. About 14% 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.