1st Advantage MortgageCamp County households have a median income of $58,843 and median rent of $801 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Texas license first.
On this page
- Camp County by the numbers
- Paychecks and income spread in Camp County
- Jobs and commutes in Camp County
- Housing costs in Camp County
- Towns and communities in Camp County
- How Camp County compares with nearby counties
- More Camp County figures
- Reading the Camp County data as a borrower
- Budget math at the Camp County median
- A Camp County borrower's checklist
- Texas rules that apply in Camp County
- Related local guides
- Frequently asked questions
Camp County by the numbers
With an estimated 12,798 residents (ACS 2020 to 2024), Camp County ranks 148th of 254 in Texas for population. It covers 196 square miles of land, or about 65 people per square mile. No metropolitan area includes Camp County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Pittsburg is the biggest of its 2 Census places, at roughly 4,432 people (35% of the county total).
Paychecks and income spread in Camp County
Camp County households have a median income of $58,843 (ACS 2020 to 2024), which ranks 178th of 254 in Texas.
| Income band | Share in Camp County | Difference from Texas |
|---|---|---|
| Under $35,000 | 29.6% | +8.2 pts |
| $35,000 to $99,999 | 39.0% | -0.4 pts |
| $100,000 to $199,999 | 26.0% | -0.7 pts |
| $200,000 or more | 5.5% | -7.0 pts |
About 30% of households earn under $35,000, while 31% clear $100,000. Census counts 19.9% of Camp County residents in poverty, against 13.8% across Texas. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Jobs and commutes in Camp County
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 15%. The sharpest difference from the state is in manufacturing, at 15% locally and 9% for Texas. ACS puts five-year average unemployment at 5.7% in Camp County. 11% of commuters travel 45 minutes or more each way, and 9% work from home.
| Where residents work | Camp County | Difference from Texas |
|---|---|---|
| Education and health care | 23.6% | +2.0 pts |
| Manufacturing | 15.1% | +6.5 pts |
| Retail trade | 11.4% | +0.4 pts |
| Construction | 11.0% | +2.5 pts |
| Professional and administrative services | 8.8% | -4.1 pts |
| Arts, lodging and food service | 8.3% | -0.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Camp County should have bank statements and tax returns ready.
Housing costs in Camp County
A typical Camp County rental runs $801 a month including utilities, which is 43% below Texas. Rent takes 30% or more of income for 52% of renter households here. Home values center on $173,100, or 2.9 years of median income. Owners occupy 77% of homes. The median year built is 1985.
| Measure | Camp County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $801/mo | $1,403/mo | $877/mo |
| Median home value | $173,100 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 52% | 52% | 45% |
| Burdened owners | 29% | 29% | n/a |
| Mobile homes | 15.2% | 6.4% | n/a |
| Vacant units | 17% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Towns and communities in Camp County
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 35% of Camp County residents live in one of the 2. Live in one of these Camp County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Pittsburg | city | 4,432 | $44,308 | $777 | 2 mi |
| Rocky Mound | town | 62 | $41,250 | n/a | 4 mi |
How Camp County compares with nearby counties
Six nearby counties, 17 to 35 miles away by the straight-line distance between their centers. Income ranges from $58,425 in Titus County to $72,360 in Franklin County; 4 of these neighbors top Camp County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Camp County | - | $58,843 | $801/mo | 77% |
| Titus County, TX | 17 mi | $58,425 | $907/mo | 71% |
| Upshur County, TX | 17 mi | $66,208 | $995/mo | 81% |
| Morris County, TX | 17 mi | $58,645 | $859/mo | 74% |
| Franklin County, TX | 20 mi | $72,360 | $936/mo | 82% |
| Wood County, TX | 27 mi | $60,300 | $862/mo | 80% |
| Gregg County, TX | 35 mi | $66,550 | $1,102/mo | 60% |
More Camp County figures
Degree holders: 22% of adults over 25. About 20% go without health insurance.
| People and households | Camp County | Texas | Median county |
|---|---|---|---|
| Median age | 38.2 | 35.6 | 41.5 |
| Bachelor's or higher | 22.2% | 33.8% | 22.2% |
| No high school diploma | 15.0% | 14.0% | n/a |
| No health insurance | 19.5% | 17.1% | 7.8% |
| No vehicle | 6.7% | 5.4% | 5.4% |
| Work from home | 9.0% | 14.4% | 8.7% |
| Poverty rate | 19.9% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.7% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 39.4% |
| 15 to 29 min | 39.0% |
| 30 to 44 min | 10.8% |
| 45 to 59 min | 3.2% |
| 60+ min | 7.6% |
Reading the Camp County data as a borrower
Based on the Camp County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 20% of Camp County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Manufactured homes. 15% of Camp County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Assistance before credit. With a 20% poverty rate, check no-cost options before any Camp County loan.
- Tight rental budgets. With 52% of Camp County renters cost-burdened, test a new payment against a lean month.
Budget math at the Camp County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Camp County household at the medians it works out like this; treat it as an illustration only.
- Start: $4,904 gross per month ($58,843 / 12)
- 16% goes to median rent ($801)
- 40% debt-to-income limit: $1,160 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Camp County's.
A Camp County borrower's checklist
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in Texas.
- Confirm the first due date before setting up autopay.
Texas rules that apply in Camp County
Camp County borrowers fall under statewide rules, enforced by the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Texas state guide for the statewide picture.
Related local guides
The Texas guide covers the whole state.
Frequently asked questions
What does a typical Camp County household make?
About $58,843 a year at the median (ACS 2020-24), 25% below the Texas median.
How much is rent in Camp County?
Median gross rent, utilities included, is $801 a month; 52% of renters spend 30% or more of income on it.
I live in a small Camp County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Pittsburg, Rocky Mound.
Does living in Camp County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Camp County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Camp County residents?
The Texas Department of Banking licenses consumer lenders in Texas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.