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Spearman, Texas Utility & Living Guide
Spearman is a city in and the county seat of Hansford County, Texas, United States. As of the 2020 census, the city population was 3,171.
Total Utilities$310/mo
1BR Rent$747/mo
Sales Tax6.25%
COL Index96 (-4)
Family Score6/10
Median Home$89,900
🌤️ Live Weather — Spearman
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Living in Spearman, summers are intense — Jul highs average 92.7°F, while winters are chilly, with Feb lows around 25.7°F. Winter heating is a real budget factor — 3613 degree days means 4-5 months of meaningful energy bills. At just 16.1 inches of annual rainfall, this is a dry climate. Within 5 miles: 4 parks and 2 schools. For hospital care, the nearest facility is in a neighboring city. Median household income: $62,601. With a 8.8% poverty rate and 72.6% homeownership, the community reflects a stable residential mix. Nearby cities: Perryton (25mi NE), Guymon (37mi NW), Borger (38mi S). Air quality is Good — avg AQI 39 over the past week.
⚠️ Natural Hazard History — Spearman
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨👩👧 Families
🧮 Tools
Monthly Utility Costs
⚡ Electric
$145/mo
Local utility provider
🔥 Gas
$35/mo
Local gas utility
💧 Water
$40/mo
Municipal water department
🗑️ Garbage
$25/mo
Municipal waste management
📶 Internet
$65/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $747/mo |
| 2 Bedrooms | $830/mo |
| 3 Bedrooms | $1037/mo |
| Median Home Price | $89,900 |
| Property Tax Rate | 1.6% |
| Avg Childcare/mo | $900 |
Contact a local realtor for current market conditions in Spearman.
Cost of Living
Overall COL Index
96
US national avg = 100
vs National Avg
-4
Groceries
94
Transportation
97
Healthcare
92
Childcare/mo
$900
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6.25% |
| Property Tax Rate | 1.6% |
Family & Relocation
Family Vibe Score
6/10
Safety Index
55
Higher = safer
School Rating
6
GreatSchools avg
Avg Childcare
$900/mo
City Pulse
Population Trend
Population: 5,000
Household Budget Calculator
Estimate your real monthly cost of living in Spearman based on your household profile.
Financial Tools
Calculators
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
Planning Tools
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Spearman — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
💰 Median Household Income
$62,601
🏠 Homeownership Rate
72.6%
🔑 Renter Rate
27.4%
📉 Poverty Rate
8.8%
💼 Unemployment Rate
5.4%
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