States · Texas · Grayson County

Tom Bean, Texas.

. Sherman-Denison, TX metro.

What it costs per month · Tom Bean $1,556/mo

to buy the typical home at today's mortgage rate — +$751 (+93%) since Jan 2020.

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Texas $1,556 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Texas$1,556
  • United States$1,922

Living in Tom Bean, Grayson County, Texas

Tom Bean is a city of 930 people in Grayson County. Half its households earn more than $88,824 a year and half less, against $72,182 across Grayson County; 3% of its people live below the poverty line. Unemployment in Grayson County was 4.4% in August 2026, and the county had 1.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then construction.

People 930 in the 2020 census
Household income $88,824 the median, give or take $10,227 · Grayson County: $72,182
Unemployment 4.4% Grayson County, August 2026; 4.3% a year before
Homes Too few homes in Tom Bean for the Census survey to measure.

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Tom Bean is a very small city in Grayson County, home to fewer people than most towns of any size. Household incomes here run higher than across the county, and few residents live below the poverty line. Relatively few adults hold a four-year degree, and the winters are cool and the summers hot.

Work. Residents work mostly in schools, hospitals and social care, with many others in the building trades, manufacturing and shops. Across Grayson County, some of the largest workplaces are Texoma Medical Center, Tyson Fresh Meats and Sherman ISD. The commute is a fairly long one, and a small share of people work from home.

Things to do. Lake Texoma, a large reservoir, is the best known place nearby, though it is a longer drive away. The Eisenhower Birthplace State Historic Site, a museum, and Bonham State Park, a protected area, are also a longer drive from town. Winters are mild enough for getting outdoors, and the year brings a fair amount of rain.

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  • 10%of adults have a degree
  • 3%below the poverty line
  • 27 mintypical commute
  • 13%work from home

What residents work in

  • Schools, hospitals and social care28%
  • Building trades19%
  • Manufacturing11%
  • Shops (retail)8%
  • Restaurants, hotels and entertainment7%
  • Farming, forestry and mining6%

Employed residents by industry, from the Census survey. Grayson County had 52,998 jobs in 2025, 1.9% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 53° and 34°; warmest in August, 93° and 73° 40° 60° 80° 100° J 53° 34° F M A M J J A 93° 73° S O N D
Average daily high and low for each month: coldest in January, 53° and 34°; warmest in August, 93° and 73° 40° 60° 80° 100° J 53° 34° F M A M J J A 93° 73° S O N D

Coldest in January, with highs near 53° and lows near 34°; warmest in August, with highs near 93° and lows near 73°. About 44 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Sherman weather station, 16 miles away (NOAA).

Largest workplaces in Grayson County

  1. Texoma Medical CenterGeneral hospital1,899FTE
  2. Tyson Fresh MeatsMeat processed from carcasses1,845
  3. Sherman ISDSchool district1,199FTE
  4. Ruiz Foods ProductMexican foods, frozen, manufacturing980
  5. Denison ISDSchool district631FTE
  6. Texas InstrumentsSemiconductor devices manufacturing608
  7. Grayson CollegeUniversity or college607
  8. WalmartRefrigerated warehousing and storage442

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 113 workplaces with 20 or more staff, 15,802 people in all across the county; Tom Bean has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Ice stormsRelatively high
  2. TornadoesRelatively high
  3. HailRelatively high
  4. Heat wavesRelatively high
  5. Cold wavesRelatively high
  6. WildfireRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Tom Bean’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Grayson County and the Sherman-Denison, TX metro.

Tom Bean home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

Not enough data to draw this yet.

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

4 6 8 10 2025 2026 Tom Bean 10
4 6 8 10 2025 2026
  • Tom Bean10

Zip codes with a Tom Bean address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Tom Bean — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.