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    income analysis

    This is the salary needed for a single-income family in Texas in 2026

    Amber Heckler
    Sep 14, 2026 | 9:00 am
    Stay at home dad with their child

    The income needed for a single-income household to raise a child in Texas is lower than it was last year.

    Photo by Vitaly Gariev on Unsplash

    With childrearing costs in the Lone Star State adding up to tens of thousands of dollars per year, many Texas families are navigating a difficult decision: should both parents work or should one parent stay home to raise the child?

    For Texas families that choose the latter, the working parent needs to make nearly $73,000 per year to support their child and the stay-at-home parent, a new income analysis has revealed.

    The newly released SmartAsset report used MIT's Living Wage Calculator to estimate the annual living wages needed across all 50 states for a three-person household with two working adults and one child, and a family with one working adult, a stay-at-home parent, and one child. Costs included food, housing, childcare, healthcare, transportation, incremental income taxes, and "other necessities."

    A Texas household with one working parent needs to make $72,925 to support their stay-at-home counterpart and their child, the study found. That's $1,809 less than what was needed in 2025.

    Meanwhile, the combined income needed for a household with one child and both parents working full-time is $85,030.

    Texas ranked No. 42 in SmartAsset's ranking of states with the highest minimum income needed to support a family with one working parent, one stay-at-home parent, and one child. That also situates Texas as the 9th most affordable state for single-income families. But there are risks associated with only having one breadwinner in the family.

    "A single income family with small children potentially saves in child care costs over a household with two working parents," the report's author wrote. "The main disadvantages are the lost salary and retirement contributions, Social Security earnings history and employer health benefits."

    There aren't any specific tax benefits to having a parent stay at home to raise their child full time, but SmartAsset says single-income families can claim a tax credit under the One Big Beautiful Bill Act.

    "[S]ingle-income families may claim the Child Tax Credit — up to $2,200 per qualifying child for 2026 ($1,700 refundable) — on the same terms as any other family," the report said.

    SmartAsset's latest report only looks at costs on a statewide basis, but the cost to raise a child will also vary greatly depending on the city you live in. Raising a child in Houston might pose a challenge for some families, where the cost for childcare alone adds up to $10,265 and overall costs can surpass $22,000.

    For households with two children, there might be additional strains on what a family might consider a "comfortable living." A March 2026 SmartAsset study determined a Houston-based family with two working parents need to make a combined income of $204,672 to have a financially stable life while raising two children.

    The top 10 states with the lowest minimum income needed for single-income families are:

    • Arkansas ($68,869)
    • Mississippi ($70,054)
    • Kentucky ($70,179)
    • West Virginia ($70,283)
    • North Dakota ($71,219)
    • Oklahoma ($71,365)
    • Louisiana ($71,406)
    • Missouri ($72,862)
    • Texas ($72,925)
    • Tennessee ($72,946)
    smartassetreportstexasfamilyincome
    news/city-life

    Camp Mystic News

    Camp Mystic proposes selling property as part of bankruptcy plan

    Associated Press
    Sep 29, 2026 | 9:00 am
    Camp Mystic Files For Bankruptcy As First Anniversary Of Deadly Floods Approaches
    Photo by Brandon Bell/Getty Images
    Ribbons honor Camp Mystic flood victims and families.

    The owners of Camp Mystic have proposed selling off the riverfront property as part of a bankruptcy plan, with hopes that a buyer will preserve the camp's “historic mission” following the death of 27 campers and counselors swept away by a 2025 flood.

    The century-old private Christian girls' camp filed a Chapter 11 bankruptcy reorganization plan on September 25 that would auction off the 749 acres (3 square kilometers) it owns and other assets.

    The sprawling campus, nestled among rolling wooded hills on the banks of the Guadalupe River, had several single-story cabins that housed some of the youngest campers and a recreation hall near the riverfront. A second campus on elevated ground was not flooded.

    The Eastland family has owned the camp for decades and initially sought to reopen this summer. But they faced fierce opposition from victims’ families and some state lawmakers, lawsuits, and legislative investigations into what went wrong.

    A buyer would likely get a portion of the camp frozen in time. Families of the victims have fought to stop any demolition of damaged cabins and buildings and stop repairs as part of their lawsuits.

    The bankruptcy plan said the owners expect a purchaser would be backed by a group of families that support the camp.

    “Nothing in the plan requires any buyer to operate the property as a camp,” the filing said, “but the plan states an express preference, in determining the highest or otherwise best bid, for a buyer that will maintain the historic mission of the camp.”

    Twenty-five campers and two counselors were killed when the river surged over its banks in the pre-dawn hours of July 4, 2025. Camp owner and director Richard Eastland was also killed. At least 136 people were killed along a several-mile stretch of the river.

    Earlier this month, state police investigators sought search warrants for the electronic communications of the camp's owners, saying they could provide evidence of manslaughter, negligent homicide, child abandonment, or other crimes.

    No charges have been brought.

    A probe by state lawmakers determined the camp’s young and inexperienced counselors were not trained for floods and other emergencies. It said an earlier decision to evacuate could have saved every life. Most of the victims were under age 10, and some were attending camp for the first time.

    The camp's bankruptcy proposal would have to be approved by U.S. Bankruptcy Judge Christopher M. Lopez. Officials with Camp Mystic did not immediately respond to an emailed request for comment Monday.

    All creditors, including the families who have sued Camp Mystic over the deaths, will have a chance to respond to the plan.

    “The Eastlands are now attempting to determine the future of the Camp Mystic property, but the victims' families including my clients, will fight to protect their rights and ensure any sale is fair and transparent,” said Tim Ferguson, attorney for the family of 8-year-old Mary Grace Baker, one of the campers who died.

    “The Bakers intend to continue fighting for answers, accountability and justice for their daughter,” Ferguson said.

    bankruptcychapter 11deathseastland familyguadalupe riverrichard eastlandtexas floodvictims familiesnegligent homicidefor salereal estatehill countrycampers killedcamp mystic flood
    news/city-life

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