Cost Of Living & Real Estate

Cost of Living: Budgeting and Expenses in Our Community

A Financial Advantage You Will Feel Every Day

Brenham delivers one of the strongest financial propositions in the Texas physician market. The overall cost of living index registers at 88.9 on the BestPlaces/Sperling's scale (where 100 equals the national average), placing your daily expenses roughly 11% below what you would pay in a typical American city.

That gap widens further when you factor in Texas's zero state income tax, a benefit that immediately adds thousands of dollars back into your household each year compared to practicing in states like California, New York, or Minnesota. Every dollar you earn here stays closer to your pocket, and the dollars you spend stretch further across every category, from groceries to housing to healthcare.

  • Overall cost of living index: 88.9 (11.1% below the U.S. average)
  • Grocery costs index: 97.2 (2.8% below the U.S. average)
  • Utilities index: 98.3 (1.7% below the U.S. average)
  • Miscellaneous goods and services index: 98.6 (1.4% below the U.S. average)
  • Housing index: 82.8 (17.2% below the U.S. average)
  • Texas state income tax: 0%
  • A family of four can live comfortably on approximately $58,680 per year in total expenses, 9.4% less than the national average

Housing: Where the Savings Really Show

Housing is where Brenham's financial advantage becomes most visible. The median home price of approximately $306,600 sits 9.3% below the national median of $338,100, and the gap grows dramatically when you compare Brenham to the metro areas where many physicians currently train or practice.

A two-bedroom rental averages $1,010 per month, 29.4% below the national average of $1,430 and well below what you would pay in Houston ($1,368) or Austin ($1,870).

For physicians exploring homeownership, the math is compelling: the percentage of your income consumed by housing in Brenham will be a fraction of what colleagues pay in Austin, Dallas, or coastal cities. That difference frees up substantial capital for retirement savings, college funds, investment properties, or simply a higher quality of daily life.

  • Median home price in Brenham: ~$306,600
  • Median home price in Houston: ~$345,000
  • Median home price in Austin: ~$474,000+
  • Average two-bedroom rent in Brenham: $1,010/month
  • Average two-bedroom rent in Houston: $1,368/month
  • Average two-bedroom rent in Austin: $1,870/month

Everyday Expenses: Groceries, Gas, and More

Your weekly grocery run, your gas fill-up, and your utility bills will all come in at or slightly below the national average. Grocery prices in Brenham track about 3% below the U.S. average, and utility costs (electricity, water, natural gas) run roughly 2% below national norms.

Texas's position as a leading energy producer helps keep electricity rates competitive, with average residential rates lower than those in most coastal states. Gas prices in Texas consistently trend below the national average due to the state's proximity to refineries, a savings you will notice on your daily commute and weekend drives to Houston or Austin.

The city of Brenham owns and operates all utilities (electric, water, wastewater, solid waste), which provides rate stability and responsive local service.

  • Grocery index: 97.2 (national average = 100)
  • Utilities index: 98.3 (national average = 100)
  • City-owned utilities provide stable rates and local accountability
  • Texas gas prices consistently run $0.20 to $0.40 below the national average per gallon
  • Sales tax rate: 8.25% (6.25% state + 2% local), with no tax on most groceries

Property Taxes and the No-Income-Tax Advantage

Texas has no state income tax, which is one of the single largest financial benefits for physicians practicing here. If you are currently practicing in a state with income tax rates of 5% to 13% (California, New York, New Jersey, Minnesota, Oregon), the savings on a physician's salary are significant and immediate.

Texas does rely more heavily on property taxes to fund local services, but Brenham's effective property tax rate of 1.24% comes in well below the Texas state median of 1.67% and far below the rates found in Harris County (Houston area, ~1.46%), Tarrant County (Fort Worth area, ~1.47%), or Fort Bend County (~2.06%).

On a $400,000 home in Brenham, you can expect an annual property tax bill of approximately $4,960, which is notably lower than what the same home value would generate in most major Texas metros.

  • Texas state income tax: 0%
  • Brenham effective property tax rate: 1.24%
  • Texas state median property tax rate: 1.67%
  • Harris County (Houston) effective rate: ~1.46%
  • Tarrant County (Fort Worth) effective rate: ~1.47%
  • Fort Bend County effective rate: ~2.06%
  • Median annual property tax bill in Brenham: $3,193
  • Homestead exemptions available to reduce taxable value on primary residence

How Brenham Compares to Nearby Metros

The financial contrast between Brenham and the two nearest major metros tells a clear story. Houston's cost of living index sits around 94 to 101 depending on the source, and Austin's runs even higher, particularly in housing. A physician earning the same salary in all three locations would have markedly more disposable income in Brenham.

Consider that Austin's median home price exceeds $474,000, more than 50% higher than Brenham's median, and Houston's property tax rates run 15% to 20% higher than Brenham's. Add the shorter commute times (most Brenham residents drive under 15 minutes to work versus 30 to 60+ minutes in Houston or Austin), lower insurance costs, and reduced spending on dining and entertainment, and the cumulative financial advantage of Brenham becomes substantial over a career.

  • Brenham cost of living index: 88.9 vs. Houston: ~95 vs. Austin: ~105+
  • Average commute in Washington County: 21.2 minutes
  • Average commute in Houston: 30+ minutes
  • Average commute in Austin: 28+ minutes
  • Auto insurance costs in Brenham run below Houston metro rates due to lower traffic density and accident frequency

Practicing in Brenham offers physicians a rare combination: competitive compensation in a market where your money works harder. The 11% cost-of-living discount compared to the national average, combined with zero state income tax, lower property tax rates than most Texas metros, and housing prices well below Houston and Austin, creates a financial environment where you can build wealth faster, pay off student loans sooner, and enjoy a quality of life that salary alone cannot buy in higher-cost markets.

Finding Your Place: Homes and Properties

A Market Built for Physician Buyers

Brenham's housing market offers something rare for physicians: genuine choice across every price point, housing style, and lot size, all within a 10 to 15 minute commute of your practice. The median sold price currently sits around $295,000 to $320,000, depending on the data source and timeframe, well below both the national median ($338,100) and the Austin metro ($474,000+).

The average price per square foot runs approximately $169 to $203. Inventory is healthy, with 280 to 320 homes typically listed for sale at any given time and average days on market around 45 to 60 days. The sale-to-list price ratio of approximately 95% means buyers hold real leverage here.

There are currently zero foreclosure properties, reflecting a stable and well-supported local market. For physicians relocating from competitive metro markets where bidding wars and six-figure over-ask offers are routine, Brenham's housing market will feel refreshingly sane.

  • Median sold price: ~$295,000 to $320,000
  • Average price per square foot: $169 to $203
  • Active listings: 280 to 320 homes at any given time
  • Average days on market: 45 to 60 days
  • Sale-to-list price ratio: ~95%
  • Foreclosure rate: 0%
  • Home values range from under $200,000 to over $1 million

In-Town Neighborhoods: Established and Convenient

Brenham's most sought-after in-town neighborhoods sit primarily on the northwest side of the city, where you will find well-maintained subdivisions with mature landscaping, sidewalks, and direct access to schools and parks.

Pebble Creek and Pebble Creek Garden consistently rank among the safest and most desirable neighborhoods, offering single-family homes on landscaped lots with easy access to US 290. Chimney Hill, Foxfire, and Williams Creek provide similar appeal, with homes ranging from the mid-$200s to the upper $300s.

Emerald Forest, Castlegate, and Raintree round out the northwest corridor with a mix of established and newer-build homes.

On the south side, Southern Plantation and Dove Crossing offer solid value at slightly lower price points, while Brentwood and Beverly Estates provide well-kept homes in quiet, family-oriented settings.

For physicians who prefer a neighborhood with no HOA restrictions, Spanish Oaks on the outskirts of the city limits sits on larger lots with seasonal creek frontage and a rural feel just four miles from downtown.

  • Pebble Creek/Pebble Creek Garden: Top-rated for safety and livability; established subdivision on the northwest side
  • Chimney Hill, Foxfire, Williams Creek: Family-friendly neighborhoods with homes in the $250,000 to $375,000 range
  • Emerald Forest, Castlegate, Raintree: Mix of established and newer construction; convenient access to schools and shopping
  • Southern Plantation, Dove Crossing, Brentwood, Beverly Estates: Strong value; well-maintained homes in quiet settings
  • Spanish Oaks: No HOA, larger lots, rural feel with quick downtown access
  • Horse Haven Estates, Reatta Meadows, Sweetwater Forest: Additional desirable residential areas

New Construction: Modern Homes with Small-Town Pricing

Several active new-construction communities are producing homes across a wide price range, giving you the option to build or buy something brand new.

Liberty Village, developed by D.R. Horton, offers single-story, 3- to 4-bedroom homes starting in the low $200s, with floor plans ranging from approximately 1,300 to 2,000+ square feet.

Plans include shaker-style cabinetry, granite or quartz countertops, stainless steel appliances, and open-concept layouts. Wilkins Valley, built by Stylecraft Builders, provides a similar range with single-story options starting around $237,000.

Heritage Oaks, built by Thielemann Construction, targets the custom home buyer. The newest phase, Pecan Court Crossing, offers lots for fully custom builds with quality finishes and larger square footage. Thielemann has a reputation for homes that hold value over time.

Maroon Meadows, developed by Skytex Homes, caters to buyers who want new construction on acreage, with lots of approximately 1.5 acres and open-concept floor plans designed for families who want space between neighbors.

  • Liberty Village (D.R. Horton): 3-4 bedrooms, 1,300 to 2,000+ sq ft, starting low $200s
  • Wilkins Valley (Stylecraft Builders): Single-story plans, starting ~$237,000
  • Heritage Oaks / Pecan Court Crossing (Thielemann Construction): Custom builds, higher-end finishes
  • Maroon Meadows (Skytex Homes): New acreage community, ~1.5-acre lots, open-concept plans
  • Woodbridge: Additional master-planned community with diverse options
  • Most new construction is single-story, the dominant preference in the Brenham market

Acreage Properties and Country Estates

One of Brenham's strongest draws for physicians is the availability of acreage properties within a short drive of town. If you have ever pictured yourself on five to 15 acres with live oaks, a stock pond, and a morning cup of coffee on a covered porch with nothing but rolling pasture in front of you, Brenham is one of the few places in Texas where that vision is both affordable and practical.

Properties with 5 to 15 acres typically list between $400,000 and $700,000, depending on improvements. Larger ranch properties of 30 to 50+ acres with custom homes, barns, and ponds are available from $700,000 to well over $1 million.

Many of these properties are unrestricted, meaning you can build a barndominium, set up equestrian facilities, or add a workshop without HOA approval.

FM 390, widely considered one of the most scenic roads in Washington County, runs north of Brenham through rolling hills with century-old live oaks and dramatic terrain changes of 90 feet or more. Several premier ranch properties sit along this corridor.

Properties near Independence, Old Washington, and Chappell Hill (all within 15 to 20 minutes of Brenham) offer the same rural character with even more privacy.

Agricultural exemptions are commonly available on these properties, keeping annual property tax bills significantly lower than what the appraised value alone would suggest.

  • 5 to 15 acres with improvements: $400,000 to $700,000
  • 30 to 50+ acre ranch properties: $700,000 to $1.5 million+
  • FM 390 corridor: Premier acreage location with rolling hills and live oaks
  • Many properties are unrestricted (no HOA)
  • Agricultural ("ag") exemptions available for qualifying properties, significantly reducing property tax burden
  • Popular areas for acreage: Independence, Old Washington, Chappell Hill, Sandy Hill, Wesley, Rehburg

Historic Homes and Downtown Living

Downtown Brenham's National Register Historic District includes a selection of restored and restorable homes for physicians who prefer walkability and character. Craftsman bungalows, Victorian-era houses, and early 20th century cottages line the streets near the commercial district, many on oversized lots with mature pecan and live oak trees.

Henderson Park and the Hike and Bike Trail are steps away. These homes range from well-maintained renovations in the $200s and $300s to larger historic properties requiring updating at lower price points.

For physicians who want to walk to a restaurant on a Friday night or bike to the Saturday farmers market, this is the part of town that fits.

  • Craftsman, Victorian, and early 1900s architectural styles
  • Walking distance to downtown shops, restaurants, and parks
  • Lot sizes often larger than in newer subdivisions
  • Restoration projects available at lower entry prices
  • Connected to Henderson Park and the 2-mile Hike and Bike Trail

Rental Market: Flexibility While You Decide

Many physicians prefer to rent initially while getting settled and exploring neighborhoods. Brenham's rental market provides that flexibility.

Three-bedroom, single-family home rentals typically run $1,200 to $1,800 per month, depending on location, condition, and proximity to town. Two-bedroom apartments and condos average $1,050 to $1,250 per month.

These rates are 25% to 30% below what you would pay in Houston and 35% to 45% below Austin. Blinn College and local employers like Blue Bell Creameries and Germania Insurance create steady rental demand, but the market has enough supply to accommodate new arrivals without long waiting lists.

Several furnished rental and bed-and-breakfast properties (Brenham has 40+ B&Bs) can serve as temporary housing during your transition.

  • 3-bedroom home rental: $1,200 to $1,800/month
  • 2-bedroom apartment/condo: $1,050 to $1,250/month
  • Houston comparison: $1,368/month average for 2-bedroom
  • Austin comparison: $1,870/month average for 2-bedroom
  • 40+ B&Bs available for short-term temporary housing during relocation

Commute Times: Minutes, Not Hours

Regardless of where you choose to live, your commute will be measured in minutes. The most desirable in-town neighborhoods place you within a 5 to 10 minute drive of Baylor Scott & White Medical Center and the main medical corridor.

Even acreage properties 10 to 15 miles outside of town translate to a 15 to 20 minute drive on uncongested two-lane roads. The average Washington County commute is 21.2 minutes, and much of that statistic reflects residents who commute to jobs outside the county.

If you live and work in Brenham, you can realistically expect a daily commute of under 15 minutes. Compare that to the 30 to 60+ minute one-way commutes common in Houston and Austin, and the lifestyle difference becomes clear.

The time you reclaim, 30 to 90 minutes every day, adds up to hundreds of hours per year that you can spend with your family, on the golf course, or at the lake.

  • In-town neighborhoods to medical facilities: 5 to 10 minutes
  • Acreage properties (10 to 15 miles out): 15 to 20 minutes
  • Average Washington County commute: 21.2 minutes
  • Houston average commute: 30+ minutes one way
  • Austin average commute: 28+ minutes one way
  • No rush hour traffic congestion; no toll roads needed

Real Estate Resources

Several established local brokerages specialize in Brenham and Washington County properties and understand the specific needs of relocating professionals. Hodde Real Estate Co. is one of the longest-operating brokerages in the area, with deep expertise in farm, ranch, residential, and rural properties.

Lifestyle Ranch & Home Group focuses on ranch and acreage homes across south-central Texas. Cedar Frame Real Estate and other local agents can provide personalized market reports.

National platforms including Zillow, Redfin, Realtor.com, and HAR.com (Houston Association of Realtors) all carry active Brenham listings.

  • Hodde Real Estate Co.: Local brokerage with 25+ years of Brenham expertise (hoddere.com)
  • Lifestyle Ranch & Home Group: Specializes in ranch and acreage properties (lifestyleranchhome.com)
  • Cedar Frame Real Estate: Local market reports and listings (cedarframe.com)
  • Brenham Real Estate (brenhamrealestate.com): Broker-associate with 20+ years local experience
  • HAR.com: Houston Association of Realtors MLS (includes Brenham listings)
  • Zillow, Redfin, Realtor.com, Trulia: National platforms with active Brenham inventory

Brenham's housing market gives you something most physician markets cannot: the ability to choose between a new-construction home in a master-planned community, a restored historic bungalow near downtown, or a custom home on acreage with panoramic views, all without stretching your budget or sacrificing your commute.

The combination of price stability, zero foreclosures, healthy inventory, and diverse housing stock creates a market where your housing dollar works harder and your daily life feels less compressed by the distance between home and practice.

Safety First: Our Secure Community

An Honest Look at Safety in Brenham

Brenham's safety profile requires honest context rather than spin. The overall crime numbers, when measured citywide per capita, run slightly above the national average. However, the data tells a more nuanced story when you look at where crime occurs, what type of crime dominates, and how the neighborhoods where physicians typically live actually perform.

The BestPlaces violent crime index for Brenham is 17.6, compared to a U.S. average of 22.7, meaning violent crime specifically tracks well below the national norm. Property crime (primarily theft and auto theft) is the larger contributor to overall statistics, with a BestPlaces index of 38.3 versus the national average of 35.4.

The City-Data crime index of 233 is comparable to the U.S. average of 235.3. There were zero murders reported in 2022, and the burglary rate is below both the Texas and national averages.

  • BestPlaces violent crime index: 17.6 (U.S. average: 22.7), 23% below national average
  • BestPlaces property crime index: 38.3 (U.S. average: 35.4), slightly above national average
  • City-Data crime index: 233 (U.S. average: 235.3), comparable to national average
  • Burglary rate: Below both Texas and U.S. averages
  • Zero murders in 2022
  • Property crime (theft, auto theft) accounts for the majority of reported incidents

Neighborhood-Level Safety: Where You Live Matters

Crime in Brenham is heavily concentrated in the central commercial corridor, where visitor traffic, retail activity, and US 290 pass-through travelers inflate per-capita rates in blocks where few people actually reside.

The residential neighborhoods on the northwest and southwest sides of the city, where the majority of physicians and professionals live, show significantly lower crime rates. In the northwest neighborhoods (Pebble Creek, Chimney Hill, Foxfire, Williams Creek), your chance of being a victim of violent crime drops to approximately 1 in 294, nearly half the rate of the central area (1 in 156).

For property crime, the southwest neighborhoods are the safest, with a risk of approximately 1 in 97, compared to 1 in 27 in the central district. The north side of the city reports the fewest total crimes annually, approximately 72 per year, versus 224 in the central area.

  • Northwest neighborhoods (physician-preferred): ~1 in 294 chance of violent crime
  • Central/commercial area: ~1 in 156 chance of violent crime
  • Southwest neighborhoods: Safest for property crime (~1 in 97)
  • North side of city: Fewest total crimes annually (~72 vs. 224 in central area)
  • Crime maps are available through CrimeGrade.org and AreaVibes for neighborhood-level review

Law Enforcement: Professional and Responsive

The Brenham Police Department has been a Texas Law Enforcement Best Practices Recognition Program member since December 2012, a certification through the Texas Police Chiefs Association Foundation that requires meeting mandatory qualifications in policy, training, and procedures.

The department employs 37 full-time staff, including 32 commissioned officers (25 male, 7 female), and operates on an annual budget of $4.2 million.

Chief Allwin Barrow, who joined the department in 2018, holds a bachelor's degree from Lamar University and a master's degree from Sam Houston State University, has completed the Southern Police Institute Command and Management College and the Bill Blackwood Law Enforcement Management Institute, and has received the FBI Director's Career Achievement Award and the Texas Municipal League Public Safety Excellence Award.

Response times are a standout. Priority 1 calls (life-threatening emergencies) receive an average response time of 8 minutes 58 seconds, compared to the national average of 28 minutes according to the U.S. Bureau of Justice Statistics.

In a city where most residences sit within a few miles of the police station at 1800 Longwood Drive, this response time reflects both the compact geography and the department's staffing model. All officers wear body-worn cameras, a technology Brenham adopted before any surrounding county agencies.

  • Texas Best Practices Recognition Program member since 2012
  • 37 full-time staff, 32 commissioned officers
  • Annual operating budget: $4.2 million
  • Priority 1 response time: 8:58 minutes (national average: 28 minutes)
  • Body-worn cameras on all officers (first agency in surrounding counties to implement)
  • Centralized Computer-Aided Dispatch (CAD) system shared with Washington County Sheriff's Office
  • School Resource Officer program: 1 sergeant + 2 officers assigned to Brenham ISD
  • Citizens Police Academy: 12-week program for community education
  • Citizens on Patrol (COP) program
  • Police Citizen Advisory Board (CAB) for community transparency and trust
  • Motorcycle and bike patrol divisions

Additional Law Enforcement Coverage

Beyond the Brenham Police Department, several agencies provide overlapping coverage across Washington County. The Washington County Sheriff's Office handles law enforcement in unincorporated areas and shares dispatch and computer systems with the city police.

Blinn College maintains its own state-certified police department with 34 commissioned officers covering all four campuses, including the main Brenham campus. Texas Department of Public Safety troopers and Texas Parks and Wildlife wardens also operate in the county.

Washington County 911 serves as the centralized dispatch center for all emergency services in the county, coordinating police, fire, EMS, and specialty agencies through a single communication hub.

  • Washington County Sheriff's Office: Covers unincorporated areas, shares CAD with Brenham PD
  • Blinn College Police Department: 34 commissioned officers across 4 campuses
  • Texas DPS troopers and Texas Parks and Wildlife officers active in the county
  • Washington County 911: Centralized dispatch for all emergency services countywide

Fire and Emergency Services

The Brenham Fire Department operates from a single station at 101 N. Chappell Hill Street with 10 career firefighters and approximately 50 volunteer firefighters. The department also houses specialized Rescue, Hazmat, and Trench Rescue teams.

Fire Chief Donovan (appointed June 2024) is a retired assistant chief from the Houston Fire Department with over 29 years of experience. Assistant Fire Chief David Cella brings additional hazmat expertise from previous roles with the Texas Division of Emergency Management and the Williamson County Fire Marshal's Office. Fire Marshal Steven Loving holds Master Peace Officer and Advanced Fire Inspector certifications.

The city's Emergency Management Division coordinates all emergency service agencies within Brenham and Washington County, including fire, police, public works, utilities, EMS, and volunteer organizations. The Everbridge notification system provides residents with emergency alerts.

Multiple volunteer fire departments across Washington County (Burton, Chappell Hill, Gay Hill, Latium, Meyersville, and others) provide additional coverage in rural areas. The Washington County Fire Fighters Association coordinates training and mutual aid across all departments.

  • Brenham Fire Department: 10 career + ~50 volunteer firefighters
  • Specialized teams: Rescue, Hazmat, Trench Rescue
  • Volunteer fire departments across Washington County provide rural coverage
  • Everbridge emergency notification system for residents
  • Emergency Management Division coordinates all city and county emergency agencies
  • Washington County Fire Fighters Association coordinates mutual aid and training

School Safety

Brenham ISD maintains a dedicated Safety and Security Department that continuously evaluates and adapts protocols. The district uses the Standard Response Protocol (SRP), a nationally recognized framework for emergency response in schools.

The Brenham Police Department assigns a sergeant and two school resource officers to the district full-time, providing daily presence in school buildings. The district emphasizes that safety protocols are reviewed and updated continuously to respond to evolving conditions.

  • Dedicated BISD Safety and Security Department
  • Standard Response Protocol (SRP) implemented districtwide
  • 3 full-time police personnel (1 sergeant, 2 officers) assigned to schools
  • Ongoing evaluation and adaptation of safety protocols

Natural Hazard Awareness

Brenham sits in southeast Texas, which carries a moderate risk for severe weather including thunderstorms, occasional tornadoes, and rare flooding events.

Approximately 8% of properties in Brenham carry some risk of severe flooding over the next 30 years, which is lower than many Texas communities and increasing at a rate slower than the national average.

The city is far enough inland (approximately 150 miles from the Gulf Coast) to avoid direct hurricane landfall, though tropical storm remnants can bring heavy rain and high winds. The area is not in an earthquake zone and does not face wildfire risk from forested terrain, though grass fires can occur during drought conditions.

The city's Emergency Management Division, in coordination with the Washington County Office of Emergency Management, maintains disaster preparedness plans and conducts regular coordination exercises.

  • Flooding risk: 8% of properties at some risk over 30 years (below many Texas communities)
  • Hurricane: ~150 miles inland, limited to remnant tropical storm effects
  • Tornado risk: Moderate (common to all of central Texas)
  • Earthquake risk: Minimal
  • Emergency Management Coordinator at both city and county levels
  • Everbridge notification system for weather and emergency alerts

Comparative Context

For physicians coming from major metropolitan areas, the daily experience of safety in Brenham's residential neighborhoods is measurably different from urban practice locations. You will not contend with the carjacking and armed robbery trends that have increased in Houston's medical center area.

You will not navigate through high-crime corridors during late-night commutes. Your children will ride bikes in neighborhoods where neighbors know each other.

The per-capita statistics, when applied to the specific neighborhoods where physicians live, tell a story of a community where common-sense precautions (locking vehicles, securing garages) are sufficient for daily peace of mind.

The combination of fast police response, overlapping law enforcement coverage, active community policing programs, and compact geography creates a safety environment that, while not perfect by any measure, provides a quality of daily life that most urban and suburban physicians will find an improvement over their current experience.

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