Coke County, TX: personal loan guide and local data

Who lives in Coke County

Roughly 3,353 residents live in Coke County, Texas, 213th by population among the state's 254 counties and county equivalents. Land area is 912 square miles (2024 Gazetteer), so density runs near 4 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 2 Census places inside Coke County, Bronte leads by population with about 1,041; 2 of the 2 are incorporated. Small populations mean wide margins of error, so read every Coke County figure on this page as a rough guide.

How Coke County ranks in Texas

• Few Texas counties match Coke County on the share of households earning $100,000 or more: 15% here, 39% for the state, ranking 6th lowest of 254. Few six-figure households means smaller loans are the norm.
• Median household income: $43,333 in Coke County. Only 10 of 254 Texas counties are lower. A lean local median makes the size of the loan the most important choice.
• The poverty rate: 22.9% in Coke County. Only 20 of 254 Texas counties are higher. Free help, such as utility and rent assistance, should come before any loan.
• Few Texas counties match Coke County on the uninsured rate: 11.2% here, 17.1% for the state, ranking 24th lowest of 253. Lower uninsured rates still leave deductibles; check what a plan covers first.

Coke County industries and commutes

Top Coke County industry by residents employed: education and health care, 27%; second, construction, 13%. Relative to Texas (22%), education and health care is 5 points bigger in Coke County (27%). 5.6% of Coke County's labor force reported being unemployed, averaged across 2020 to 2024. About 86% drive to work alone and 20% have trips of 45 minutes or more.

Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Coke County should have bank statements and tax returns ready.

Coke County income bands

$43,333 is the median household income for Coke County, set against $78,476 for Texas. That places it 244th among Texas's 254 county-level areas.

The spread is wide: 15% of Coke County households make $100,000 or more, and 41% make less than $35,000. 22.9% of residents fall below the federal poverty line (statewide: 13.8%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.

The Coke County housing market in figures

Renters in Coke County pay a median of $729 a month, 48% below the Texas figure of $1,403. Rent takes 30% or more of income for 48% of renter households here. The median owner-occupied home is valued at $117,900, about 2.7 times the median household income. Owners occupy 71% of homes. The median home was built in 1974, so roofs, wiring and heating systems are a common source of repair bills.

How Coke County compares with nearby counties

Six nearby counties, 25 to 45 miles away by the straight-line distance between their centers. Richest neighbor: Irion County, $70,357. Poorest: Nolan County, $50,747. Coke County: $43,333.

Census places in Coke County

The table lists the 2 largest of 2 Census places in Coke County, by population. Together all 2 hold about 1,987 people, so roughly 41% of residents live outside any named place. None of the 2 has its own city guide, so this page covers all of them.

What the numbers mean for Coke County borrowers

Based on the Coke County data above, these borrowing questions are most likely to matter locally.

• Care without coverage. About 374 Coke County residents lack insurance; check charity care before a loan (how).
• Keeping the car running. At 20% with long commutes, repairs are a frequent Coke County emergency; first decide if the car is worth fixing.
• Mobile homes in Coke County. At 19% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
• Benefit income. With half of residents older than 47, lenders often see pension and Social Security income, which counts like wages.

Budget math at the Coke County median

Coke County's $43,333 median income, run through a debt-to-income check:

• Monthly gross at the median, Coke County: $3,611
• Less median rent of $729, which is 20% of it
• 35% debt-to-income limit: $535 left for all other debt payments
• At 45%, room after rent is $896 a month

Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.

People and households in Coke County

Bachelor's degree or higher: 23% of Coke County adults. About 11% go without health insurance.

Before you sign

Four checks before you sign anything:

• Size the loan to the bill, not to the most a lender offers.
• Shop at least three lenders, including one Coke County-area credit union.
• A Texas license check takes minutes; do it first.
• Lock paid-off cards after consolidating so balances stay at zero.

Who licenses lenders for Coke County residents

Licensing happens at the state level, so a lender working with Coke County borrowers answers to the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Nationally, Coke County residents can file with the CFPB. The Texas page has statewide figures to set beside Coke County's.

Keep exploring

Statewide:

• Texas state guide