A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.

Down paymentRate%

Gainesville$1,570/mo

Typical home $247K (Zillow) · tax rate 1.35% · or rent about $1,038/mo · Housing →

White Settlement$1,420/mo

Typical home $219K (Zillow) · tax rate 1.48% · or rent about $1,253/mo · Housing →

The difference: $160 a month, about $1,900 a year, between Gainesville and White Settlement.

Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.

Report cards

Gainesville places higher on 12 of 22 TX lists

Our letter grades for safety, schools and health, then every Texas ranking list both towns are on. A grade is one measure; read the page behind it.

Safety

C+GainesvilleSafer than 38% of U.S. towns C−White SettlementSafer than 22% of U.S. towns

Schools

C+GainesvilleBetter than 41% of districts in the state C+White SettlementBetter than 40% of districts in the state

Health

C−GainesvilleHealthier than 17% of U.S. towns CWhite SettlementHealthier than 28% of U.S. towns

12Gainesville

7White Settlement

Lists won, of 22 where both are ranked. Ties go to nobody.

Rent easiest to affordCost of living · 180 towns #22#156 Most conserved landOutdoors · 572 towns #367#130 Most walkableOutdoors · 653 towns #439#169 Best schoolsSchools · 583 towns #430#265 Lowest obesityHealth · 652 towns #363#203 Most remote workersWork · 624 towns #422#272 SafestSafety · 470 towns #263#368 Closest to a top hospitalHealth · 632 towns #51#189

Left end = #1 in Texas. Showing the lists where the towns are furthest apart. All of Gainesville’s rankings →

Life in each

What daily life feels like in each

The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.

Seasons

GainesvilleWhite Settlement

Snow a year3″0″

January low32°F 33°F

July high94°F 97°F

Growing season (days)242d 245d

Hazard risk (U.S. pctl)50th 37th

Outdoors & history

GainesvilleWhite Settlement

Trails1 mi 3 mi

Conserved land1.3%5.6%

National Register places5 —

Community

GainesvilleWhite Settlement

Library hours a week49 hrs 36 hrs

Colleges in town1 —

Posts this month0 0

Neighbors joined0 0

A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.

Where they are

64 miles apart

Straight-line miles between town centers.

GainesvilleTX White SettlementTX

Gainesville ↔ White Settlement64 miles apart

Everything, side by side

What matters to you?

Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.

Only big differences vs Texas average

GainesvilleWhite Settlement

People

Population 17,883Lowest 18,150Highest

Growth since 20102010 → 2020 census +8.7%Lowest TX: +15.9% +13.4%Highest TX: +15.9%

Median age 36.5±2Highest about the TX average 35.1±3.2Lowest about the TX average

Gainesville and White Settlement are within the Census margin of error here, so we can’t say which is really higher.

Kids under 18 24.4%±2.7Lowest TX: 25% 26.2%±3.5Highest TX: 25%

White Settlement and Gainesville are within the Census margin of error here, so we can’t say which is really higher.

Age 65+ 16.6%±2.1Highest TX: 13.4% 14.3%±2.9Lowest TX: 13.4%

Gainesville and White Settlement are within the Census margin of error here, so we can’t say which is really higher.

Bachelor’s degree+adults 25+ 19.4%Highest TX: 33.8% 17.4%Lowest TX: 33.8%

Enrolled in collegeshare of residents 3.3%±1.1Lowest TX: 6.2% 3.8%±1.3Highest TX: 6.2%

White Settlement and Gainesville are within the Census margin of error here, so we can’t say which is really higher.

Cost of living

Household incomemedian $58,809±$4kHighest 25% below TX $56,784±$3kLowest 28% below TX

Gainesville and White Settlement are within the Census margin of error here, so we can’t say which is really higher.

Home valuemedian, owner-occupied $177,000±$23kLowest 38% below TX $187,100±$9kHighest 34% below TX

White Settlement and Gainesville are within the Census margin of error here, so we can’t say which is really higher.

Rentmedian gross, monthly $1,038±$100Lowest 26% below TX $1,253±$80Highest 11% below TX

Property taxmedian, yearly $2,382Lowest 44% below TX $2,762Highest 35% below TX

Renters paying 30%+of income on rent 43.1%±7.6Lowest TX: 51.7% 60.6%±10.9Highest TX: 51.7%

White Settlement and Gainesville are within the Census margin of error here, so we can’t say which is really higher.

Below poverty line 19.1%Highest TX: 13.8% 12.7%Lowest TX: 13.8%

Housing

Homeownersof occupied homes 57.6%Lowest TX: 62.6% 60.7%Highest TX: 62.6%

Typical home builtmedian year 1971Lowest 21 yrs older than TX 1973Highest 19 yrs older than TX

Getting to work

Average commuteone way 22 minLowest 17% below TX 23 minHighest 15% below TX

Work from home 5.6%±2.8Lowest TX: 14.4% 10.2%±4.1Highest TX: 14.4%

White Settlement and Gainesville are within the Census margin of error here, so we can’t say which is really higher.

Work in townworking residents 28.2%Highest 4.5%Lowest

Typical commute distancemedian, straight-line 30.3 miHighest 15.3 miLowest

Jobs per working residentover 1.5 = a job hub 1.24Highest 0.62Lowest

Top workplaceoutside town Denton (6%)Fort Worth (39%)

Between these townsresidents who work in the others Few work in White SettlementFew work in Gainesville

Outdoors

Conserved landshare of the town 1.3%Lowest 5.6%Highest

Trailsmapped miles 0.8 miLowest 3.0 miHighest

Trail densitymiles per sq mi 0.0 miLowest 0.6 miHighest

Parks & preservesnamed on the map 9Highest 4Lowest

Street connectivityintersections per sq mi, a walkability measure 47.1Lowest 84.8Highest

Schools

Public school scoresrank in state, math + reading #430 of 583 in TX #265 of 583 in TX

School district CALLISBURG ISD · GAINESVILLE ISDTRINITY BASIN PREPARATORY · WHITE SETTLEMENT ISD

High school in town Gainesville H STrinity Basin Preparatory - Titan Academy

Students per teacherat that high school 16.1Highest 11.3Lowest

Texas average“±” Census margin of errorACS 2020–2024

Deciding?

Ask the people who live there

The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.

Gainesville neighborsTown Square →

Your question goes to Gainesville’s Town Square.

White Settlement neighborsTown Square →

Your question goes to White Settlement’s Town Square.

Add a town

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Bordering Gainesville

+ Compare

Lindsay1,142 people · $352K homes

Towns like Gainesville

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Orange19,177 people · $165K homes

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Sulphur Springs16,401 people · $218K homes

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Brownwood18,777 people · $144K homes

+ Compare

Palestine19,136 people · $166K homes

Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.

Gainesville vs White Settlement

Two towns, two different strengths

Where they part ways

A typical home costs $160 more a month in Gainesville

Gainesville places higher on 12 of 22 TX lists

What daily life feels like in each

64 miles apart

What matters to you?

Ask the people who live there

Set another town beside Gainesville and White Settlement

Bordering Gainesville

Towns like Gainesville

Post to Gainesville

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