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Tool vs Seven Points

Next-door neighbors. The biggest differences: home values (2.3× in Tool) and property tax bill (2.5× in Tool).

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Tool, TXOne of the healthiest townsTexas · 2,367 people
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Seven Points, TXOne of the healthiest townsTexas · 1,167 people
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Where each one shines

Two towns, two different strengths

What each town does better than most of its state (not better than each other). Tap one to see the page behind it.

ToolOne of the healthiest towns
Health78% of U.S. towns are healthieron CDC estimates SafetySafer than 75%of U.S. towns we grade SchoolsBetter than 75%of TX districts All about Tool →
Seven PointsOne of the healthiest towns
Health73% of U.S. towns are healthieron CDC estimates SafetySafer than 36%of U.S. towns we grade All about Seven Points →
The biggest differences

Where they part ways

The rows below where the towns are furthest apart, beyond the Census margin of error. The full table is further down.

Home values2.3×
Homes cost more in Tool
Tool $213,300Seven Points $91,100
Property tax bill2.5×
Tax bills are bigger in Tool
Tool $1,952Seven Points $777
Jobs per worker4.5×
Seven Points is more of a job hub
Seven Points 1.12Tool 0.25
Average commute13 min
Seven Points has the shorter commute
Tool 47 minSeven Points 35 min
Seasonal homes+15.4 pts
Tool has more second homes
Tool 20.5%Seven Points 5.1%
Street grid+64%
Tool has the more walkable street grid
Tool 59.0Seven Points 36.0
★ What stands out · Monthly cost

A typical home costs $740 more a month in Tool

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.

Tool$1,280/mo
Typical home $213K (Census) · tax rate 0.92% · or rent about $1,386/mo · Housing →
Seven Points$540/mo
Typical home $91K (Census) · tax rate 0.85% · or rent about $1,079/mo · Housing →

The difference: $740 a month, about $8,900 a year, between Tool and Seven Points.

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

Grades and rankings, side by side

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
A−ToolSafer than 75% of U.S. towns C+Seven PointsSafer than 36% of U.S. towns
Schools
A−ToolBetter than 75% of districts in the state –Seven PointsNot graded
Health
C−ToolHealthier than 22% of U.S. towns CSeven PointsHealthier than 27% of U.S. towns
Where they are

Tool and Seven Points share a border

And the people who already live in one and work in the other.

ToolSeven PointsToolSeven Points
Tool ↔ Seven Points3.4 miles apart · They share a border
Who commutes between them
11 Seven Points residents work in Tool (2.9% of its workers)
Work & commute in Seven Points →
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
ToolSeven Points
Snow a year0″0″
January low35°F35°F
July high95°F95°F
Growing season (days)246d246d
Hazard risk (U.S. pctl)37th34th
Outdoors & history
ToolSeven Points
Trails—0 mi
Conserved land—0.4%
Community
ToolSeven Points
Library hours a week—50 hrs
Posts this month00
Neighbors joined00

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.

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.

ToolSeven Points
People
Population 2,367Highest 1,167Lowest
Growth since 20102010 → 2020 census -2.9%Highest TX: +15.9% -5.8%Lowest TX: +15.9%
Median age 49.6±5.9Highest 39% above TX 38.4±9.9Lowest 8% above TX
Tool and Seven Points are within the Census margin of error here, so we can’t say which is really higher.
Kids under 18 16.7%±4.2Lowest TX: 25% 26.9%±7.4Highest TX: 25%
Seven Points and Tool are within the Census margin of error here, so we can’t say which is really higher.
Age 65+ 22.9%±3Highest TX: 13.4% 16.1%±2.9Lowest TX: 13.4%
Bachelor’s degree+adults 25+ 26.8%Highest TX: 33.8% 14.1%Lowest TX: 33.8%
Enrolled in collegeshare of residents 1.4%±1.2Lowest TX: 6.2% 5.3%±3.4Highest TX: 6.2%
Seven Points and Tool are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian $71,333±$17kHighest 9% below TX $39,934±$26kLowest 49% below TX
Tool and Seven Points are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied $213,300±$57kHighest 25% below TX $91,100±$20kLowest 68% below TX
Rentmedian gross, monthly $1,386±$260Highest about the TX average $1,079±$481Lowest 23% below TX
Tool and Seven Points are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly $1,952Highest 54% below TX $777Lowest 82% below TX
Renters paying 30%+of income on rent 62.9%±66.6Lowest TX: 51.7% 74.5%±83.9Highest TX: 51.7%
Seven Points and Tool are within the Census margin of error here, so we can’t say which is really higher.
Below poverty line 17.3%Lowest TX: 13.8% 26.6%Highest TX: 13.8%
Housing
Homeownersof occupied homes 81.1%Highest TX: 62.6% 68.8%Lowest TX: 62.6%
Typical home builtmedian year 1983Lowest 9 yrs older than TX 1986Highest 6 yrs older than TX
Getting to work
Average commuteone way 47 minHighest 77% above TX 35 minLowest 29% above TX
Work from home 11.3%±11Lowest TX: 14.4% 21.5%±15Highest TX: 14.4%
Seven Points and Tool are within the Census margin of error here, so we can’t say which is really higher.
Work in townworking residents 3.7%Highest 3.4%Lowest
Typical commute distancemedian, straight-line 40.3 miLowest 42.3 miHighest
Jobs per working residentover 1.5 = a job hub 0.25Lowest 1.12Highest
Top workplaceoutside town Mabank (7%)Mabank (9%)
Between these townsresidents who work in the others Few work in Seven Points3% work in Tool
Outdoors
Conserved landshare of the town 0%Lowest 0.4%Highest
Trailsmapped miles 0.5 miHighest 0.3 miLowest
Trail densitymiles per sq mi 0.1 mi 0.1 mi
Parks & preservesnamed on the map 0Lowest 1Highest
Street connectivityintersections per sq mi, a walkability measure 59.0Highest 36.0Lowest
Schools
School district MALAKOFF ISD—
High school in town None in town—
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.

Tool neighborsTown Square →

Your question goes to Tool’s Town Square.

Seven Points neighborsTown Square →

Your question goes to Seven Points’s Town Square.

Add a town

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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.

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