What it's like to live in Fate
Fate is a small city in Texas with unemployment below the national average, household incomes running above the national average, crime rates well below the national average, and a highly educated workforce. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Fate deals with rent well above the national average, long average commutes, a rent burden that leaves many renters stretched thin, and hot summers.
The good
- Low unemployment
- Higher-than-average incomes
- Low crime rates
- Highly educated workforce
- Fast-growing population
- Average class sizes
The not so good
- Rent well above the national average
- Long commutes
- High rent burden for renters
- Hot summers
- Car-dependent — few commuters use transit
How Fate compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Fate
Based on Fate's median rent, home value and household income
To rent
$5,000
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $100,000 a year
- 52% of Fate renters spend 30% or more of their income on rent
To buy
$76,860
a 20% down payment on the median home
- With 10% down: $38,430
- Homes cost 2.9× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 77% above US
$2,500/mo median rent
Rent is expensive here, at $2,500 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices run above average, with a median around $384,300. Buyers should expect to stretch their budget here.
Median home value $384,300 · 52% of renters cost-burdened
Job market▼ 16% below US
3.6% unemployment
Unemployment here is 3.6%, a little below the national average of 4.3%.
City-level (BLS)
Safety▼ 66% below US
112 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 303/100k · Fate Police Department · 2025 data
Getting around▲ 35% above US
35 min average commute
Traffic is a real factor here. The 35.2 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 8 in 10 workers drive to work; 17% work from home.
How workers get to work
Climate
Summers are hot and humid, with highs regularly hitting 91°F, and winters are chilly but manageable, with lows around 36°F.
Average month
30-year averages, 1991–2020
Education & workforce▲ 17% above US
42% bachelor's degree or higher
The population is well-educated, with 42% holding college degrees. That points to a strong professional base and generally a healthy local economy.
Schools
6 public schools inside the boundary
There are 6 public schools inside the boundary. The student-to-teacher ratio is 16:1, close to the national average of 16:1.
Bottom line
Fate's strongest points are unemployment below the national average and household incomes running above the national average; the main tradeoffs are rent well above the national average and long average commutes. A year of median rent ($2,500/mo) equals 23% of the median household income here, about the same as the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (17% of workers here already work from home), and college-educated professionals. It may be a harder fit for renters on a tight budget and people who dread long commutes.
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