CitytisticsShortlist

Cost of living, pay and housing

33.02° N · 96.61° W · GEOID 4850100

Murphy

Collin County, Texas · part of the Dallas, TX metro

TexasMurphy, TXMurphyMurphy

The short answer

Murphy is home to 21,188 people. Median household income is $175,699 a year and median rent is $2,847 a month, 19.4% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $555,500, about 3.2x annual median household income.

What sets Murphy apart is how far household money goes. After the median rent, with other prices set to the US average, the median household keeps about $141,400 a year, more than in 93% of places its size. Also notable: 94% of homes are owner-occupied, more than in 97% of places its size.

88OF 100

CTXCitytistics Index

Strong

Murphy scores better than 88% of the 6,612 places we rate, and ranks 27th of 407 in Texas.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%64
Economy 20%81
Safety 20%88
Amenities 15%34
Education 10%90
Commute 10%14
Growth 5%66
Median gross rent
$2,847
109% above the median place
Median household income
$175,699
119% above the median place
Median home value
$555,500
74% above the median place
Unemployment
4.2%
15% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Murphy

  • HousingHalf the homes were built after 2005, newer housing than in 95% of the 2,300 places of 10,000 to 25,000 people we track.
01

Moving to Murphy

Collin County gains about 18.4 residents per 1,000 a year to moves between counties.

Moved in92,150
Moved out73,762
Net+18,388

Where people come from and where they go, top counties

Dallas County, TX23,37615,222+8,154
Denton County, TX13,73814,821−1,083
Tarrant County, TX3,2803,258+22
Grayson County, TX1,3702,670−1,300
Rockwall County, TX1,5471,921−374
Harris County, TX1,4921,129+363

Within Texas, other states or abroad

Arrivals
Leavers
Within TexasOther statesAbroad

Income per tax return

Arrivals$102K
Leavers$99K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Collin County; flows under 20 returns are not published.

Who moves here
2.7% of residents arrived from another county in the past year, 3.0% from another state.
Who arrives and who leaves
Households moving into Collin County report $102,400 a year in income on average; those leaving, $98,700.
Income you would need
$113,900 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,847 a month; owners with a mortgage pay $3,085 a month including taxes and insurance, on a median home of $555,500.
Getting to work
32 minutes each way on average; 32.0% work from home.
If it is close but not quite
Weddington, NC matches it on character for less of your income. Compare the two
Moved here in the past year1
2.7%
52% below the median place
Net movers per 1,000 people7
18.4
above the median place (median -0.6)
Income of households moving out7
$98,671
40% above the median place
All 5 moving measures
MeasureMurphyAmong 6,645 placesVs median
Moved here in the past year12.7%52% below
Moved from another state1County figure3.0%52% above
Net movers per 1,000 people7County figure18.4above (median -0.6)
Income of households moving in7County figure$102,35545% above
Income of households moving out7County figure$98,67140% above
02

What it costs to live here

The median household earns $175,699 a year, more than in 95% of the 2,301 places of 10,000 to 25,000 people we track.

Murphy19.4%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$113,880
a year, at the 30% line
Rent to income
19.4%
5% below the median place
Home price to income
3.2x
17% below the median place

Could you afford it?

The median rent would take
19%
comfortably under the 30% line
Left after rent, in US prices
$141,700
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Murphy, $2,847 a month, and local prices for everything else (100.1 against a US average of 100). It runs in your browser and stores nothing.

Like Murphy, but easier on the budget

Places that match Murphy on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Weddington, NC8712.1% vs 19.4%$30,900Compare
Bull Run, VA8416.3% vs 19.4%$60,500Compare
Blackwells Mills, NJ8115.4% vs 19.4%$59,700Compare
Belmont, VA8014.0% vs 19.4%$66,700Compare

Moving from somewhere else? Work out the salary you would need in Murphy.

Sponsored · exampleMoving to Murphy? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
93.7%
41% above the median place
Median year built1
2005
1% above the median place
Property tax paid (median)1
$8,835
171% above the median place
All 15 cost and housing measures
MeasureMurphyAmong 6,645 placesVs median
Median gross rent1$2,847109% above
Rent to income119.4%5% below
Property tax rate11.6%75% above
Home price to income13.2x17% below
Prices vs US average2Metro figure103.12% above
Fair market rent, 2 bedrooms3County figure$1,80712% above
Property tax paid (median)1$8,835171% above
Median home value1$555,50074% above
Home prices, 1-year change4County figure-0.8%below (median 3.2%)
Home prices, 5-year change4County figure51.1%1% below
Homeownership193.7%41% above
Renters paying 30%+1County figure47.6%6% below
Owner costs with a mortgage1$3,08565% above
Vacant homes1County figure4.7%33% below
Median year built120051% above
03

Work and pay

32% of workers mostly work from home, more than in 96% of the 2,241 places of 10,000 to 25,000 people we track.

Poverty rate1
3.0%
72% below the median place
Works from home1
32.0%
157% above the median place
Median household income1
$175,699
119% above the median place

More on work and pay, against the typical place

Mean commute32 min +29%
Income per person$56,417 +41%
Unemployment4.2% −15%
All 10 work and pay measures
MeasureMurphyAmong 6,645 placesVs median
Median household income1$175,699119% above
Income per person1$56,41741% above
Unemployment14.2%15% below
Average annual pay5County figure$91,91039% above
Pay growth, 1 year5County figure4.3%16% above
Jobs5County figure562,572273% above
Poverty rate13.0%72% below
Mean commute132 min29% above
Works from home132.0%157% above
Commutes by transit1County figure0.4%48% below
04

Who lives here

Households average 3.52 people, larger than than in 96% of the 2,300 places of 10,000 to 25,000 people we track.

Household size1
3.5
41% above the median place
Homes with broadband1
97.3%
5% above the median place
Bachelor's or higher1
62.1%
94% above the median place

More about who lives here, against the typical place

Born abroad25.1% 2.8×
Median age41.7 +7%
High school or higher94.5% +2%
No health insurance7.0% +9%
All 9 people measures
MeasureMurphyAmong 6,645 placesVs median
Population121,1882199th largest
Population change since 20206-0.1%below (median 1.1%)
Median age141.77% above
Bachelor's or higher162.1%94% above
High school or higher194.5%2% above
Household size13.541% above
Born abroad125.1%184% above
No health insurance17.0%9% above
Homes with broadband197.3%5% above
05

Life in Murphy

The nearest National Park Service site is Waco Mammoth National Monument, about 103 miles away.

69 sites are on the National Register of Historic Places. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents9.9 −3%
Playgrounds per 10k24.5 2.6×
Grocery stores per 10k2.4 +11%
Restaurants, cafes and bars per 10k12.7 +14%
Libraries per 10k0.0 −100%
Named paths and bike trails2 km −10%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Waco Mammoth National Monument 103 miles
  • Chickasaw National Recreation Area 105 miles
  • Oklahoma City National Memorial 177 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars22.3 +7%
Shops26.3 −13%
Arts, recreation and fitness4.7 +15%
Doctors' offices and clinics34.3 +70%
Child care centers2.4 +4%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
103.1
235% above the median place
Public schools13
4
56% below the median place
Public school students13
2,900
41% below the median place
All 18 schools and local life measures
MeasureMurphyAmong 6,645 placesVs median
Public schools13456% below
Public school students132,90041% below
Students per teacher1314.93% below
Restaurants and bars per 10k8County figure22.37% above
Shops per 10k8County figure26.313% below
Arts, recreation and fitness per 10k8County figure4.715% above
Doctors' offices and clinics per 10k8County figure34.370% above
Child care centers per 10k8County figure2.44% above
Parks per 10k99.93% below
Playgrounds per 10k924.5161% above
Grocery stores per 10k92.411% above
Restaurants, cafes and bars per 10k912.714% above
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails91.810% below
Transit stops per sq mi90.0below (median 0.2)
Nearest National Park Service site10103.1235% above
National Park Service sites within 60 miles100below (median 2)
National Register listings11County figure69above (median 13)
06

Safety, weather and risk

Violent crime per 100k is 38, 80% below the median place.

Violent crime per 100k
38
80% below the median place
Property crime per 100k
549
55% below the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Tornado risk15
99.9
23% above the median place
July average high14
94°F
9% above the median place
Natural hazard risk15
98.9
7% above the median place
All 11 weather and risk measures
MeasureMurphyAmong 6,645 placesVs median
July average high14County figure94°F9% above
January average low14County figure34°F36% above
Average temperature14County figure65°F18% above
Annual precipitation14County figure41.1 in6% below
Natural hazard risk15County figure98.97% above
Hurricane risk15County figure59.715% below
Tornado risk15County figure99.923% above
Wildfire risk15County figure81.032% above
Heat wave risk15County figure97.78% above
Median air quality index16County figure407% below
Good air days16County figure75.8%11% above
08

Murphy in 2030: where the trends point

If recent trends hold, the median rent will take about 20% of the median income in 2030, about the same as 19% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Murphy does better than 63% of places. Its projected home value growth beats 66%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,847/mo (2024)$3,670/mo$3,010 to $4,470/mo+4.3%
Median household income$175,699 (2024)$224,000$189,500 to $265,000+4.1%
Median home value$555,500 (2024)$805,000$585,000 to $1,109,000+6.4%
Population20,985 (2025)21,06020,200 to 21,960+0.1%

The median home would be worth 3.6 years of the median income in 2030, against 3.2 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Murphy

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Bradley Gardens, NJ$2,670$177,849Compare
Lake Mohegan, NY$2,875$162,321Compare
Commack, NY$2,665$169,792Compare
North Merrick, NY$2,906$161,554Compare
North Merrick, NYCommack, NYLake Mohegan, NYBradley Gardens, NJMurphy, TXMurphyBradley GardensLake MoheganMurphyBradley GardensLake Mohegan

Places built like Murphy

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Murphy performs against places like it.

PlaceRent to incomeIncome growthPop. change
Murphy, TX19.4%6.8%/yr-0.1%
Southlake, TX16.8%0.8%/yr-0.3%Compare
Prosper, TX13.4%5.9%/yr51.2%Compare
Celina, TX16.7%6.6%/yr276.8%Compare
Melissa, TX21.9%3.2%/yr115.6%Compare
Timberwood Park, TX15.3%7.7%/yrn/aCompare
Lantana, TX20.8%6.2%/yrn/aCompare

Common questions

Is Murphy a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 88 out of 100, better than 88% of the places we rate and 27th of 407 in Texas. Half the homes were built after 2005, newer housing than in 95% of the 2,300 places of 10,000 to 25,000 people we track. On cost, space and class size it scores 97 out of 100 for families. See how it ranks with your own weights.

Is Murphy expensive to live in?

The median rent takes 19.4% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $555,500.

What salary do you need to live in Murphy?

To rent the median home without spending more than 30% of income on rent, a household needs about $113,880 a year. Work it out from your current city.

Is Murphy safe?

There were 38 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to Murphy?

On income, rent, home value, education and age, the closest matches are Bradley Gardens, NJ, Lake Mohegan, NY, Commack, NY and North Merrick, NY.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  5. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  6. Population Estimates · US Census Bureau · Vintage 2025
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Murphy with places of a similar size, using only figures measured for Murphy itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/murphy-texas

Citytistics. “Murphy, Texas.” Data as of 2026-11-14. https://www.citytistics.com/city/murphy-texas/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.