1st Advantage MortgageAbout 79% of Andrews County homes are owner-occupied, and the median household income is $72,242. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Andrews County
- Renting and owning in Andrews County
- How much Andrews County households make
- Jobs and commutes in Andrews County
- Regional comparison for Andrews County
- Cities, towns and CDPs in Andrews County
- Andrews County residents: age, schooling, coverage
- Local borrowing considerations for Andrews County
- Debt-to-income at Andrews County's medians
- Four steps for Andrews County borrowers
- Lender oversight for Andrews County
- Related local guides
- Frequently asked questions
Getting oriented in Andrews County
Andrews County is home to about 18,610 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 128th most populous of 254 county-level areas in Texas. It covers 1,501 square miles of land, or about 12 people per square mile. No metropolitan area includes Andrews County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 2 places in the county (1 incorporated, 1 census-designated); the largest is Andrews, with about 13,468 residents, or 72% of the county.
Renting and owning in Andrews County
Renters in Andrews County pay a median of $1,305 a month, 7% below the Texas figure of $1,403. By the Census definition, 38% of Andrews County renters are cost-burdened. The median owner-occupied home is valued at $195,700, about 2.7 times the median household income. Owners occupy 79% of homes.
| Housing | Andrews County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,305/mo | $1,403/mo | $877/mo |
| Median home value | $195,700 | $283,800 | $185,300 |
| Owners | 79% | 63% | 75% |
| Rent-burdened renters | 38% | 52% | 45% |
| Burdened owners | 39% | 29% | n/a |
In an owner-heavy county like Andrews County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How much Andrews County households make
The median household income in Andrews County is $72,242; statewide it is $78,476, so Andrews County runs 8% below Texas as a whole. Only 67 Texas counties post a higher median.
| Yearly household income | Andrews County | Gap to Texas |
|---|---|---|
| Under $35,000 | 24.0% | +2.6 pts |
| $35,000 to $99,999 | 38.6% | -0.7 pts |
| $100,000 to $199,999 | 27.6% | +0.9 pts |
| $200,000 or more | 9.7% | -2.7 pts |
The spread is wide: 37% of Andrews County households make $100,000 or more, and 24% make less than $35,000. Census counts 15.6% of Andrews County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.481 here. None of these numbers decides a Andrews County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Andrews County
The biggest employer of Andrews County residents, by industry, is agriculture, forestry and mining at 20% of workers, followed by education and health care (17%). Compared with Texas, the county leans toward agriculture, forestry and mining (20% against 2%). ACS puts five-year average unemployment at 3.3% in Andrews County. About 85% drive to work alone and 20% have trips of 45 minutes or more. Households without a car make up 4.5% of the total (5.4% statewide).
| Top industries | Andrews County share | +/- vs Texas |
|---|---|---|
| Agriculture, forestry and mining | 19.5% | +17.3 pts |
| Education and health care | 17.4% | -4.2 pts |
| Arts, lodging and food service | 9.8% | +1.3 pts |
| Transportation, warehousing and utilities | 8.9% | +2.2 pts |
| Retail trade | 8.9% | -2.1 pts |
| Construction | 7.9% | -0.6 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Regional comparison for Andrews County
The six counties whose centers lie closest to Andrews County's, from 30 to 51 miles away. Income ranges from $54,360 in Dawson County to $93,734 in Martin County; 4 of these neighbors top Andrews County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Andrews County | - | $72,242 | $1,305/mo | 79% |
| Gaines County, TX | 30 mi | $74,132 | $789/mo | 75% |
| Ector County, TX | 31 mi | $71,536 | $1,259/mo | 65% |
| Martin County, TX | 40 mi | $93,734 | $971/mo | 78% |
| Winkler County, TX | 41 mi | $86,900 | $1,037/mo | 86% |
| Dawson County, TX | 50 mi | $54,360 | $777/mo | 71% |
| Midland County, TX | 51 mi | $92,874 | $1,407/mo | 68% |
Cities, towns and CDPs in Andrews County
2 Census places fall mainly inside Andrews County; the 2 biggest are below. They account for 14,030 residents, leaving about 25% of the county in unincorporated, unnamed areas. None of the 2 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Andrews | city | 13,468 | $73,690 | $1,350 | 5 mi |
| McKinney Acres | CDP | 562 | $66,285 | n/a | 7 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Andrews County residents: age, schooling, coverage
18% of Andrews County adults 25 and older hold a bachelor's degree or more. About 22% go without health insurance.
| Measure | Andrews County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 33.0 | 35.6 | 41.5 |
| Bachelor's or higher | 17.7% | 33.8% | 22.2% |
| No high school diploma | 23.3% | 14.0% | n/a |
| No health insurance | 22.4% | 17.1% | 7.8% |
| No vehicle | 4.5% | 5.4% | 5.4% |
| Work from home | 3.7% | 14.4% | 8.7% |
| Poverty rate | 15.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.3% | 5.3% | 4.4% |
| One-way commute | Share of Andrews County workers |
|---|---|
| Under 15 min | 52.5% |
| 15 to 29 min | 13.2% |
| 30 to 44 min | 14.0% |
| 45 to 59 min | 12.6% |
| 60+ min | 7.6% |
Local borrowing considerations for Andrews County
The county's numbers point to a few situations that come up often for Andrews County borrowers.
- Hospital bills in Andrews County. For the 22% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Vehicle repairs. 20% of Andrews County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Mobile home upkeep. 22% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
Debt-to-income at Andrews County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Andrews County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Andrews County: $6,020
- Housing at the median rent of $1,305 uses 22%
- 35% debt-to-income limit: $802 left for all other debt payments
- $1,404: what a 45% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Andrews County's.
Four steps for Andrews County borrowers
A short checklist for Andrews County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Shop at least three lenders, including one Andrews County-area credit union.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Lender oversight for Andrews County
Andrews County borrowers fall under statewide rules, enforced by the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Federal complaints: consumerfinance.gov. Statewide data and rules: Texas guide.
Related local guides
The Texas guide covers the whole state.
Frequently asked questions
How much do households in Andrews County earn?
The median is $72,242; 37% earn $100,000 or more and 24% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Andrews County?
Median gross rent, utilities included, is $1,305 a month; 38% of renters spend 30% or more of income on it.
Should Andrews County homeowners use home equity instead?
Maybe, but weigh the risk: 79% of Andrews County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Andrews County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Andrews, McKinney Acres.
Can Andrews County residents use the questionnaire?
Yes. It asks the same questions in every Texas county, lists every requirement up front and does not affect your credit score.