Town in Wheeler County

Living in Shamrock, TX

D+

562nd of 745Texas towns of 1,000 to 10,000 people
Overall score 24 of 100

Shamrock earns a grade of D+ on our index, 562nd of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and errands and things to do, and trails on jobs and income and getting around.

  • Jobs and income scores low (16 of 100)
  • Getting around scores low (18 of 100)
Map of Texas showing where Shamrock isHoustonSan AntonioDallasAustinFort WorthShamrock
Where Shamrock is in Texas.
Population
1,692-5.5% since 2020
Median rent
$95832% lower than Texas
Median home value
$91,00068% lower than Texas
Household income
$46,912Median
Average commute
29 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Shamrock

Shamrock is a town in Wheeler County. 1,692 people lived here in 2025, down 5.5% from 2020. It is spread out, with an older housing stock (the median home dates to 1962).

Places locals use include Central Park, Elmore Park and Shamrock Veterans Memorial Park.

The median age is 40.2, 39% of households have children, 76% of homes are owned by the people living in them and the typical household earns $46,912 a year (40% lower than the Texas median).

Pros of living in Shamrock

  • Lower rent. Median rent is $958, 32% lower than the Texas median.
  • Homes are affordable for local incomes. The median home costs 1.9 times the median household income, against 3.6 times across Texas.

Cons of living in Shamrock

  • Natural hazard risk. FEMA rates the risk of tornadoes, hail and wildfires as very high here.

Who Shamrock suits

  • FamiliesNot the best fit. Compared with similar Texas places, it beats 37% for families.
  • Young professionalsNot the best fit: household income is 40% lower than the Texas median, with 15 restaurants and 2 cafes in town. Compared with similar Texas places, it beats 21% for young professionals.
  • RetireesNot the best fit: 15% of working-age adults are uninsured. Compared with similar Texas places, it beats 36% for retirees.
  • Remote workersA reasonable fit: 92% of homes have broadband and the median rent of $958 is 32% lower than the Texas median. Compared with similar Texas places, it beats 66% for remote workers.
  • People on a budgetNot the best fit: the median rent of $958 is 32% lower than the Texas median. Compared with similar Texas places, it beats 38% for people on a budget.

Shamrock report card

Ten grades, one for each part of daily life we measure. Most compare Shamrock 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 $958, homes cost 1.9x income.

    49 of 100 vs US towns

  • Jobs and income: grade D-

    Median household income $46,912, 5.7% unemployed.

    16 of 100 vs US towns

  • Schools: grade C+

    1 rated campuses, 100% rated A or B.

    48 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade C+

    3 grocery stores, 15 restaurants, 3 parks mapped in town.

    53 of 100 vs TX towns

  • Getting around: grade D

    Average commute 29 min, 3.1% work from home.

    18 of 100 vs US towns

  • Education levels: grade D

    10.0% have a bachelor’s degree.

    20 of 100 vs US towns

  • Health: grade D

    15% of adults uninsured.

    23 of 100 vs US towns

  • Home ownership: grade D+

    76% of homes owner-occupied.

    26 of 100 vs US towns

  • Internet access: grade B-

    92% of homes have broadband.

    62 of 100 vs US towns

Where Shamrock stands out compared with Texas

Better than Texas

  • Home value to income: 1.9x46% lower than Texas (3.6x)
  • Homes owned by the people living in them: 76%14 points higher than Texas (63%)
  • Median rent: $95832% lower than Texas ($1,403)

Worse than Texas

  • Renters paying 30%+ of income on rent: 77%25 points higher than Texas (52%)
  • Adults with a bachelor's degree or higher: 10.0%24 points lower than Texas (34%)
  • Vacant homes: 26%17 points higher than Texas (9.4%)

Cost of living in Shamrock

Rent is the cost most newcomers feel first. The median rent in Shamrock is $958 a month, 32% lower than the Texas median of $1,403. To keep that rent at 30% of income, a household needs to earn about $38,000 a year. Right now 77% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $834 for a one-bedroom, $1,048 for a two-bedroom and $1,249 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 $91,000, 68% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $498 before tax, or $596 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 Shamrock pays $1,174 a year, 72% 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 ShamrockStudio$7971 bedroom$8342 bedrooms$1,0483 bedrooms$1,2494 bedrooms$1,510
HUD fair market rent for FY2027, Wheeler County, TX. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent32% lower than Texas$958$1,403$1,413
Median home value68% lower than Texas$91,000$283,800$332,700
Home value to income46% lower than Texas1.9x3.6x4.1x
Renters paying 30%+ of income on rent25 points higher than Texas77%52%51%
Median property tax per year72% lower than Texas$1,174$4,232$3,119
Homes owned by the people living in them14 points higher than Texas76%63%65%
Median year homes were builtAbout the same as Texas196219921980

Monthly cost to buy a median home

$596
Mortgage payment
$498
Property tax
$98
Median rent, for comparison
$958

Based on a $91,000 home in Shamrock, 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.

Schools in Shamrock

Shamrock has 1 public school campuses with a 2025 state rating inside the city, and 100% of them earn an A or B. Most students here are served by Shamrock 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
48
of 100 vs Texas towns
Average rating
80
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

  • BShamrock ISDOther, Shamrock ISD80 of 100

Daily life in Shamrock

Everyday places mapped inside Shamrock, from Overture Maps. Well-known spots include Central Park, Elmore Park, Shamrock Veterans Memorial Park.

The average one-way commute is 29 minutes, 10% longer than the Texas average. 3% 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 $46,912, income per person is $32,495, unemployment is 5.7% and 10% of adults hold a bachelor's degree.

Grocery stores
3
Pharmacies
0
Restaurants
15
Cafes
2
Bars
0
Parks
3
Gyms
0
Hospitals and urgent care
1
Childcare
0
Libraries
1

Jobs, income and education

MeasureHereTexasUS
Median household income40% lower than Texas$46,912$78,476$80,734
Income per person20% lower than Texas$32,495$40,752$44,673
Unemployment rateAbout the same as Texas5.7%5.3%5.2%
People below the poverty line5 points higher than Texas19%14%12%
Adults with a bachelor's degree or higher24 points lower than Texas10.0%34%36%
Adults with a high school diploma or higher4 points higher than Texas90%86%90%
Adults 18 to 64 without health insurance4 points lower than Texas15%20%11%
Homes with broadband internetAbout the same as Texas92%91%91%

Getting to work

MeasureHereTexasUS
Average commute10% higher than Texas29 min27 min26 min
Workers who work from home11 points lower than Texas3.1%14%15%
Workers who work from home3.1%
Workers who take transit0%
Workers who walk0.9%
Workers who bike0%

Who lives in Shamrock

Under 1822%
18 to 3415%
35 to 6444%
65 and over19%

Median age 40.2 years. 39% of households have children.

Race and ethnicity
White64%
Hispanic or Latino25%
Black3.0%
Asian1.2%
Other or more than one race6.8%

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

Weather in Shamrock

Shamrock has a hot Texas climate. July highs average 94°F and January lows about 24°F. There are about 82 days a year at 90°F or above, and about 25 inches of rain a year.

Average monthly high and low temperatures in Shamrock20°40°60°80°100°50J54F64M72A80M89J94J92A85S73O61N51DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Shamrock #2, 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 low, tornado risk is very 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
  • HurricanesLow
  • TornadoesVery high
  • HailVery high
  • Heat wavesVery low
  • 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 Shamrock

Nearby, Wheeler gets a B-, Wellington gets an A and Memphis 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-WheelerTown, 1,431 people16 mi
  2. AWellingtonTown, 1,883 people25 mi
  3. B+MemphisTown, 2,174 people38 mi
  4. A-ClarendonTown, 1,859 people41 mi
  5. D+PampaSmall city, 16,659 people47 mi
  6. ACanadianTown, 2,241 people49 mi

Living in Shamrock: common questions

Is Shamrock, TX a good place to live?

Shamrock earns a grade of D+ on our index, 562nd of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and errands and things to do, and trails on jobs and income and getting around.

How much does it cost to live in Shamrock?

Median rent in Shamrock is $958 a month, 32% lower than the Texas median. The median home is worth $91,000, 68% lower than the Texas median. A median home costs 1.9x 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 $596, including property tax.

Are the schools good in Shamrock?

We found 1 rated public school campuses inside Shamrock. 100% are rated A or B by the Texas Education Agency. Its schools score is 48 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Shamrock flood?

FEMA rates river flooding risk in Shamrock as low, and coastal flooding as not rated. Hazards rated high or very high here: tornadoes, 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 Shamrock?

Summers in Shamrock peak at about 94°F in July, and January nights fall to about 24°F. Expect around 82 days a year at 90°F or hotter, and 25 inches of rain.

How long is the commute in Shamrock?

The average one-way commute is 29 min, 10% higher than the Texas average. About 3.1% 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.