1st Advantage MortgageThe median Aransas County household earns $69,466, and 14% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Aransas County by the numbers
- Paychecks and income spread in Aransas County
- The Aransas County job picture
- What it costs to live in Aransas County
- Places inside Aransas County
- Counties near Aransas County
- What a median Aransas County budget can carry
- People and households in Aransas County
- What the numbers mean for Aransas County borrowers
- Texas rules that apply in Aransas County
- Four steps for Aransas County borrowers
- More guides for Aransas County
- Frequently asked questions
Aransas County by the numbers
With an estimated 24,876 residents (ACS 2020 to 2024), Aransas County ranks 103rd of 254 in Texas for population. Land area is 252 square miles (2024 Gazetteer), so density runs near 99 per square mile. For statistical purposes it belongs to the Corpus Christi, TX metro area, as delineated by the Office of Management and Budget in July 2023. Of the 5 Census places inside Aransas County, Rockport leads by population with about 10,683; 3 of the 5 are incorporated.
Paychecks and income spread in Aransas County
The median household income in Aransas County is $69,466; statewide it is $78,476, so Aransas County runs 11% below Texas as a whole. In the state ranking that is 90th of 254.
| Band | Aransas County | Compared with Texas |
|---|---|---|
| Under $35,000 | 27.3% | +5.9 pts |
| $35,000 to $99,999 | 40.6% | +1.2 pts |
| $100,000 to $199,999 | 21.7% | -5.1 pts |
| $200,000 or more | 10.4% | -2.0 pts |
Some 27% of households here live on less than $35,000 a year; 32% have six-figure incomes. Census counts 14.2% of Aransas County residents in poverty, against 13.8% across Texas. The Gini index of income inequality is 0.507 (0 is perfect equality). For a borrower in Aransas County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
The Aransas County job picture
By the Census industry count, 18% of employed Aransas County residents work in education and health care and 16% in construction. Compared with Texas, the county leans toward construction (16% against 9%). The survey's unemployment rate for Aransas County averages 4.1% over 2020 to 2024 (state: 5.3%). About 67% drive to work alone and 11% have trips of 45 minutes or more. 6.4% of households have no vehicle.
| Top industries | Aransas County share | +/- vs Texas |
|---|---|---|
| Education and health care | 18.4% | -3.2 pts |
| Construction | 15.5% | +7.0 pts |
| Professional and administrative services | 14.4% | +1.5 pts |
| Arts, lodging and food service | 9.5% | +1.0 pts |
| Retail trade | 9.0% | -2.0 pts |
| Finance, insurance and real estate | 8.7% | +1.6 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What it costs to live in Aransas County
Renters in Aransas County pay a median of $1,128 a month, 20% below the Texas figure of $1,403. 48% of renting households spend 30% or more of income on rent, and 23% spend half or more. The median owner-occupied home is valued at $265,400, about 3.8 times the median household income. 77% of Aransas County households own their home and 23% rent. Half the housing stock was built before 1998.
| Cost | Aransas County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,128/mo | $1,403/mo | $877/mo |
| Median home value | $265,400 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 32% | 29% | n/a |
| Vacant units | 22% | 9% | n/a |
In an owner-heavy county like Aransas 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.
Places inside Aransas County
The table lists the 5 largest of 5 Census places in Aransas County, by population. Together all 5 hold about 22,102 people, so roughly 11% of residents live outside any named place. Incomes vary by place: $86,851 at the median in Lamar, $56,324 in Fulton. Live in one of these Aransas County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Rockport | city | 10,683 | $72,174 | $1,212 | 7 mi |
| Aransas Pass | city | 8,972 | $63,021 | $1,159 | 17 mi |
| Lamar | CDP | 1,202 | $86,851 | n/a | 2 mi |
| Fulton | town | 818 | $56,324 | $1,053 | 6 mi |
| Holiday Beach | CDP | 427 | n/a | n/a | 4 mi |
Counties near Aransas County
Refugio County is closest, 18 miles from center to center; the sixth, Goliad County, is 47 miles off. Income ranges from $59,359 in Goliad County to $79,959 in Calhoun County; 3 of these neighbors top Aransas County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Aransas County | - | $69,466 | $1,128/mo | 77% |
| Refugio County, TX | 18 mi | $60,181 | $795/mo | 77% |
| Calhoun County, TX | 32 mi | $79,959 | $891/mo | 77% |
| San Patricio County, TX | 34 mi | $69,704 | $1,291/mo | 67% |
| Nueces County, TX | 43 mi | $66,897 | $1,283/mo | 60% |
| Victoria County, TX | 47 mi | $70,896 | $1,157/mo | 65% |
| Goliad County, TX | 47 mi | $59,359 | $754/mo | 87% |
What a median Aransas County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Aransas County's medians:
- $69,466 a year is $5,789 of gross monthly income
- 19% goes to median rent ($1,128)
- Under a 40% cap, $2,316 total minus rent leaves $1,188
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
People and households in Aransas County
29% of Aransas County adults 25 and older hold a bachelor's degree or more. 12.8% of residents have no health coverage.
| Residents | Aransas County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 49.9 | 35.6 | 41.5 |
| Bachelor's or higher | 28.8% | 33.8% | 22.2% |
| No high school diploma | 7.4% | 14.0% | n/a |
| No health insurance | 12.8% | 17.1% | 7.8% |
| No vehicle | 6.4% | 5.4% | 5.4% |
| Work from home | 15.4% | 14.4% | 8.7% |
| Poverty rate | 14.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.1% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 51.0% |
| 15 to 29 min | 26.1% |
| 30 to 44 min | 12.2% |
| 45 to 59 min | 3.0% |
| 60+ min | 7.8% |
What the numbers mean for Aransas County borrowers
What the Aransas County figures suggest, and what to check first:
- Medical bills. 13% of Aransas County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Manufactured homes. 14% of Aransas County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Retirees. At a median age of 49.9, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Renters under pressure. When 48% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Texas rules that apply in Aransas County
The Texas Department of Banking is the place to verify any lender's Texas license. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Problems with a lender can also go to the CFPB. See the Texas state guide for the statewide picture.
Four steps for Aransas County borrowers
A short checklist for Aransas County borrowers:
- Get a written quote for whatever you are paying for in Aransas County.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Texas borrowers.
- Read the final agreement; it must match the offer.
More guides for Aransas County
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Aransas County?
$69,466 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 90th of 254 in the state.
How does Aransas County rent compare with Texas?
$1,128 locally versus $1,403 for the state, 20% below.
Should Aransas County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Aransas County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Aransas County guide cover?
Every community in the county, unincorporated areas included. The largest of its 5 Census places: Rockport, Aransas Pass, Lamar, Fulton, Holiday Beach.
Is the fit check different in Aransas County?
No. It is identical everywhere, and it never looks at your neighborhood.