What it's like to live in Murphy
Murphy is a small city in Texas with household incomes running above the national average, crime rates well below the national average, a highly educated workforce, and schools with class sizes near the national average. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Murphy deals with rent well above the national average, home prices well above the national average, commute times longer than most cities, and a rent burden that leaves many renters stretched thin.
The good
- Higher-than-average incomes
- Low crime rates
- Highly educated workforce
- Average class sizes
The not so good
- Rent well above the national average
- High home prices
- Above-average commute times
- High rent burden for renters
- Hot summers
How Murphy compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Murphy
Based on Murphy's median rent, home value and household income
To rent
$5,694
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $113,880 a year
- 73% of Murphy renters spend 30% or more of their income on rent
To buy
$111,100
a 20% down payment on the median home
- With 10% down: $55,550
- Homes cost 3.2× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 101% above US
$2,847/mo median rent
Rent is expensive here, at $2,847 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 are steep, with a median around $555,500. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $555,500 · 73% of renters cost-burdened
Job market
3.9% county unemployment
Unemployment in Collin County is 3.9%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Collin County (county-wide)
Safety▼ 88% below US
38 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 554/100k · Murphy Police Department · 2025 data
Getting around▲ 24% above US
32 min average commute
Traffic is a real factor here. The 32.2 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. 7 in 10 workers drive to work; 32% 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▲ 73% above US
62% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
5 public schools inside the boundary
There are 5 public schools inside the boundary and 1 private school. The student-to-teacher ratio is 15:1, close to the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Bottom line
Murphy's strongest points are household incomes running above the national average and crime rates well below the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($2,847/mo) equals 19% of the median household income here, about the same as the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (32% 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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