1st Advantage MortgageAbout 80% of Concho County homes are owner-occupied, and the median household income is $65,795. 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
- Concho County, TX: the basics
- Paychecks and income spread in Concho County
- Work, industries and travel time in Concho County
- Renting and owning in Concho County
- Places inside Concho County
- How Concho County compares with nearby counties
- A Concho County household budget, worked through
- Borrowing situations common in Concho County
- People and households in Concho County
- Texas rules that apply in Concho County
- A Concho County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Concho County, TX: the basics
With an estimated 3,328 residents (ACS 2020 to 2024), Concho County ranks 214th of 254 in Texas for population. Land area is 984 square miles (2024 Gazetteer), so density runs near 3 per square mile. No metropolitan area includes Concho County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Eden is the biggest of its 2 Census places, at roughly 1,730 people (52% of the county total). Small populations mean wide margins of error, so read every Concho County figure on this page as a rough guide.
Paychecks and income spread in Concho County
The median household income in Concho County is $65,795; statewide it is $78,476, so Concho County runs 16% below Texas as a whole. In the state ranking that is 120th of 254.
| Income band | Share in Concho County | Difference from Texas |
|---|---|---|
| Under $35,000 | 26.3% | +4.9 pts |
| $35,000 to $99,999 | 46.9% | +7.6 pts |
| $100,000 to $199,999 | 25.3% | -1.4 pts |
| $200,000 or more | 1.5% | -11.0 pts |
Some 26% of households here live on less than $35,000 a year; 27% have six-figure incomes. Census counts 11.4% of Concho County residents in poverty, against 13.8% across Texas. None of these numbers decides a Concho County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Concho County
The biggest employer of Concho County residents, by industry, is retail trade at 24% of workers, followed by education and health care (22%). Compared with Texas, the county leans toward retail trade (24% against 11%). The survey's unemployment rate for Concho County averages 1.5% over 2020 to 2024 (state: 5.3%). About 72% drive to work alone and 7% have trips of 45 minutes or more. 4.5% of households have no vehicle.
| Industry (employed residents 16+) | Concho County | Gap to Texas |
|---|---|---|
| Retail trade | 24.0% | +13.0 pts |
| Education and health care | 22.4% | +0.8 pts |
| Arts, lodging and food service | 12.8% | +4.4 pts |
| Construction | 8.1% | -0.5 pts |
| Agriculture, forestry and mining | 7.2% | +5.0 pts |
| Transportation, warehousing and utilities | 5.4% | -1.3 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Renting and owning in Concho County
Median gross rent, utilities included, comes to $733 in Concho County versus $1,403 statewide. By the Census definition, 43% of Concho County renters are cost-burdened. The median owner-occupied home is valued at $107,400, about 1.6 times the median household income. 80% of Concho County households own their home and 20% rent. Median construction year: 1973.
| Cost | Concho County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $733/mo | $1,403/mo | $877/mo |
| Median home value | $107,400 | $283,800 | $185,300 |
| Owners | 80% | 63% | 75% |
| Rent-burdened renters | 43% | 52% | 45% |
| Burdened owners | 32% | 29% | n/a |
Because most Concho County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Places inside Concho County
2 Census places fall mainly inside Concho County; the 2 biggest are below. They account for 2,080 residents, leaving about 38% of the county in unincorporated, unnamed areas. None of the 2 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Eden | city | 1,730 | $47,321 | $527 | 7 mi |
| Paint Rock | town | 350 | $57,083 | $797 | 14 mi |
How Concho County compares with nearby counties
Six nearby counties, 30 to 51 miles away by the straight-line distance between their centers. 2 of the six report a higher median household income than Concho County; Schleicher County is highest at $86,694 and Coleman County lowest at $49,159.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Concho County | - | $65,795 | $733/mo | 80% |
| Menard County, TX | 30 mi | $53,043 | $729/mo | 81% |
| McCulloch County, TX | 31 mi | $54,043 | $806/mo | 67% |
| Tom Green County, TX | 36 mi | $68,370 | $1,154/mo | 65% |
| Runnels County, TX | 37 mi | $62,632 | $847/mo | 75% |
| Schleicher County, TX | 49 mi | $86,694 | $660/mo | 84% |
| Coleman County, TX | 51 mi | $49,159 | $653/mo | 77% |
A Concho County household budget, worked through
How much room does a median Concho County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $5,483 gross per month ($65,795 / 12)
- Median rent: $733, or 13 cents of every gross dollar
- $1,625: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Concho County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Concho County
The county's numbers point to a few situations that come up often for Concho County borrowers.
- Uninsured care. 17% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Mobile home upkeep. 20% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
People and households in Concho County
College graduates make up 14% of the adult population. About 17% go without health insurance.
| Indicator | Concho County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 43.0 | 35.6 | 41.5 |
| Bachelor's or higher | 14.1% | 33.8% | 22.2% |
| No high school diploma | 17.1% | 14.0% | n/a |
| No health insurance | 17.4% | 17.1% | 7.8% |
| No vehicle | 4.5% | 5.4% | 5.4% |
| Work from home | 7.0% | 14.4% | 8.7% |
| Poverty rate | 11.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 1.5% | 5.3% | 4.4% |
| One-way commute | Share of Concho County workers |
|---|---|
| Under 15 min | 58.1% |
| 15 to 29 min | 12.9% |
| 30 to 44 min | 21.6% |
| 45 to 59 min | 2.5% |
| 60+ min | 4.8% |
Texas rules that apply in Concho County
No county office licenses personal lenders. For Concho County, check the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Federal complaints: consumerfinance.gov. More on Texas: Texas personal loans.
A Concho County borrower's checklist
Before you apply, wherever you live in Concho County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What does a typical Concho County household make?
About $65,795 a year at the median (ACS 2020-24), 16% below the Texas median.
Is Concho County expensive for renters?
Median rent is $733 against $1,403 statewide, and 43% of renter households are cost-burdened.
I live in a small Concho County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Eden, Paint Rock.
Can Concho 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.
Where can someone in Concho 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.