1st Advantage MortgageIn Coleman County, Texas, the typical household earns $49,159 a year and the typical rent is $653. 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
- Who lives in Coleman County
- Renting and owning in Coleman County
- Household income in Coleman County
- Work, industries and travel time in Coleman County
- Places inside Coleman County
- The counties around Coleman County
- Room for a loan payment in Coleman County
- What the numbers mean for Coleman County borrowers
- People and households in Coleman County
- Who licenses lenders for Coleman County residents
- Checklist for Coleman County applicants
- More guides for Coleman County
- Frequently asked questions
Who lives in Coleman County
Coleman County is home to about 7,833 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 178th most populous of 254 county-level areas in Texas. Land area is 1,263 square miles (2024 Gazetteer), so density runs near 6 per square mile. Under the July 2023 OMB definitions, Coleman County is not part of any metropolitan area. Of the 4 Census places inside Coleman County, Coleman leads by population with about 3,973; 3 of the 4 are incorporated. With so few households sampled, Coleman County estimates can move a lot between releases.
Renting and owning in Coleman County
A typical Coleman County rental runs $653 a month including utilities, which is 53% below Texas. 35% of renting households spend 30% or more of income on rent, and 16% spend half or more. The median owner-occupied home is valued at $92,500, about 1.9 times the median household income. 77% of Coleman County households own their home and 23% rent. Median construction year: 1966.
| Coleman County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $653/mo | $1,403/mo | $877/mo |
| Median home value | $92,500 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 35% | 52% | 45% |
| Burdened owners | 39% | 29% | n/a |
| Mobile homes | 12.8% | 6.4% | n/a |
| Vacant units | 32% | 9% | n/a |
In an owner-heavy county like Coleman 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.
Household income in Coleman County
The median household income in Coleman County is $49,159; statewide it is $78,476, so Coleman County runs 37% below Texas as a whole. That places it 229th among Texas's 254 county-level areas.
| Income band | Share in Coleman County | Difference from Texas |
|---|---|---|
| Under $35,000 | 37.5% | +16.1 pts |
| $35,000 to $99,999 | 43.5% | +4.1 pts |
| $100,000 to $199,999 | 14.8% | -11.9 pts |
| $200,000 or more | 4.2% | -8.2 pts |
About 37% of households earn under $35,000, while 19% clear $100,000. 19.6% of residents fall below the federal poverty line (statewide: 13.8%). A household earning below the $49,159 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Coleman County
Education and health care employs 21% of working residents, the largest share; professional and administrative services is next with 10%. The sharpest difference from the state is in agriculture, forestry and mining, at 9% locally and 2% for Texas. ACS puts five-year average unemployment at 7.7% in Coleman County. 20% of commuters travel 45 minutes or more each way, and 9% work from home.
| Industry (employed residents 16+) | Coleman County | Gap to Texas |
|---|---|---|
| Education and health care | 21.4% | -0.2 pts |
| Professional and administrative services | 9.9% | -3.0 pts |
| Arts, lodging and food service | 9.7% | +1.3 pts |
| Agriculture, forestry and mining | 9.4% | +7.1 pts |
| Other services | 9.1% | +4.2 pts |
| Construction | 8.5% | 0.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Coleman County should have bank statements and tax returns ready.
Places inside Coleman County
The table lists the 4 largest of 4 Census places in Coleman County, by population. Together all 4 hold about 5,190 people, so roughly 34% of residents live outside any named place. Live in one of these Coleman County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Coleman | city | 3,973 | $34,613 | $713 | 7 mi |
| Santa Anna | town | 1,022 | $43,875 | $460 | 12 mi |
| Novice | city | 101 | $70,625 | n/a | 17 mi |
| Valera | CDP | 94 | $91,346 | n/a | 16 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Coleman County
Distances run center to center, from Brown County at 23 miles out to Comanche County at 47. Callahan County leads the group on income ($72,436), Eastland County trails ($53,549), and Coleman County out-earns 0 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Coleman County | - | $49,159 | $653/mo | 77% |
| Brown County, TX | 23 mi | $57,470 | $919/mo | 68% |
| Callahan County, TX | 26 mi | $72,436 | $817/mo | 81% |
| Runnels County, TX | 38 mi | $62,632 | $847/mo | 75% |
| Eastland County, TX | 41 mi | $53,549 | $866/mo | 72% |
| Taylor County, TX | 41 mi | $67,139 | $1,159/mo | 61% |
| Comanche County, TX | 47 mi | $59,635 | $855/mo | 80% |
Room for a loan payment in Coleman County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Coleman County household at the medians it works out like this; treat it as an illustration only.
- $4,097 a month: gross income for a household at the Coleman County median
- Housing at the median rent of $653 uses 16%
- 36% debt-to-income limit: $822 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
What the numbers mean for Coleman County borrowers
What the Coleman County figures suggest, and what to check first:
- Medical bills. 21% of Coleman County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Long drives. With 20% of commutes over 45 minutes, tires and repairs are fixed costs in many Coleman County budgets.
- Mobile home upkeep. 13% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Retirees. At a median age of 48.7, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
People and households in Coleman County
Degree holders: 17% of adults over 25. About 21% go without health insurance.
| People and households | Coleman County | Texas | Median county |
|---|---|---|---|
| Median age | 48.7 | 35.6 | 41.5 |
| Bachelor's or higher | 16.8% | 33.8% | 22.2% |
| No high school diploma | 13.1% | 14.0% | n/a |
| No health insurance | 21.3% | 17.1% | 7.8% |
| No vehicle | 8.4% | 5.4% | 5.4% |
| Work from home | 9.2% | 14.4% | 8.7% |
| Poverty rate | 19.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 7.7% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 50.3% |
| 15 to 29 min | 14.7% |
| 30 to 44 min | 15.0% |
| 45 to 59 min | 4.9% |
| 60+ min | 15.1% |
Who licenses lenders for Coleman County residents
The Texas Department of Banking is the place to verify any lender's Texas license. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. The Consumer Financial Protection Bureau accepts complaints nationwide. The Texas guide covers state rules in more detail.
Checklist for Coleman County applicants
Steps that save money for Coleman County residents:
- Get a written quote for whatever you are paying for in Coleman County.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Coleman County
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Coleman County?
$49,159 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 229th of 254 in the state.
How does Coleman County rent compare with Texas?
$653 locally versus $1,403 for the state, 53% below.
What are the biggest places in Coleman County?
By population: Coleman, Santa Anna, Novice, Valera. The county has 4 Census places in all.
Will a Coleman County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in Coleman County check a lender's license?
With the Texas Department of Banking. If a lender is unlicensed or asks for a fee before funding, walk away.