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Community Development Publication

Affordable Rental Housing in Rural Texas

Needs and Solutions

Affordability Challenges for Rural Renters in Texas

While housing-cost-burden rates for renters in rural Texas are favorable relative to the nation, the sheer size of the state means it still had the second-highest number of such renters of any state (112,441 in 2017), behind only North Carolina. More than 60 percent of those cost-burdened households are renter households with income of less than $20,000 a year.

Households with annual income of less than $20,000 represent the precise target population and current resident makeup of the USDA RD Section 515 program, discussed in detail in the next section.

  • Andrew Dumont
    Senior Community Development Analyst, Federal Reserve Board of Governors
  • Emily Ryder Perlmeter
    Community Development Advisor, Federal Reserve Bank of Dallas
  • Julie Gunter
    Senior Community Development Advisor, Federal Reserve Bank of Dallas

The full report can be found at

The views expressed in this framework are the author’s and do not necessarily reflect official positions of the Federal Reserve Bank of Dallas or Federal Reserve System.