1st Advantage MortgageThe median Coryell County household earns $71,301, and 11% of residents live below the poverty line. 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
- Getting oriented in Coryell County
- What Coryell County households earn
- Jobs and commutes in Coryell County
- Coryell County housing compared with Texas
- Counties near Coryell County
- The communities that make up Coryell County
- Coryell County residents: age, schooling, coverage
- Borrowing situations common in Coryell County
- What a median Coryell County budget can carry
- Lender oversight for Coryell County
- Checklist for Coryell County applicants
- Related local guides
- Frequently asked questions
Getting oriented in Coryell County
Roughly 84,748 residents live in Coryell County, Texas, 49th by population among the state's 254 counties and county equivalents. Land area is 1,052 square miles (2024 Gazetteer), so density runs near 81 per square mile. For statistical purposes it belongs to the Killeen-Temple, TX metro area, as delineated by the Office of Management and Budget in July 2023. Fort Hood is the biggest of its 6 Census places, at roughly 26,814 people (32% of the county total).
What Coryell County households earn
Coryell County households have a median income of $71,301 (ACS 2020 to 2024), which ranks 76th of 254 in Texas.
| Households earning | Coryell County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 22.1% | +0.7 pts |
| $35,000 to $99,999 | 48.1% | +8.7 pts |
| $100,000 to $199,999 | 24.3% | -2.4 pts |
| $200,000 or more | 5.5% | -7.0 pts |
The spread is wide: 30% of Coryell County households make $100,000 or more, and 22% make less than $35,000. Census counts 11.2% of Coryell County residents in poverty, against 13.8% across Texas. For a borrower in Coryell 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.
Jobs and commutes in Coryell County
The biggest employer of Coryell County residents, by industry, is education and health care at 25% of workers, followed by public administration (11%). The sharpest difference from the state is in public administration, at 11% locally and 4% for Texas. The survey's unemployment rate for Coryell County averages 7.1% over 2020 to 2024 (state: 5.3%). Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work.
| Top industries | Coryell County share | +/- vs Texas |
|---|---|---|
| Education and health care | 24.7% | +3.1 pts |
| Public administration | 11.4% | +7.3 pts |
| Professional and administrative services | 10.9% | -2.0 pts |
| Retail trade | 9.5% | -1.5 pts |
| Construction | 8.7% | +0.2 pts |
| Arts, lodging and food service | 7.8% | -0.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Coryell County should have bank statements and tax returns ready.
Coryell County housing compared with Texas
Median gross rent, utilities included, comes to $1,186 in Coryell County versus $1,403 statewide. By the Census definition, 41% of Coryell County renters are cost-burdened. With a median value of $195,300, a typical Coryell County house costs 2.7 times what the median household earns in a year. Owners occupy 59% of homes. The median year built is 1987.
| Home costs | Coryell County | Texas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,186/mo | $1,403/mo | $877/mo |
| Median home value | $195,300 | $283,800 | $185,300 |
| Owners | 59% | 63% | 75% |
| Rent-burdened renters | 41% | 52% | 45% |
| Burdened owners | 24% | 29% | n/a |
Counties near Coryell County
The six counties whose centers lie closest to Coryell County's, from 29 to 48 miles away. Income ranges from $58,219 in Hamilton County to $81,736 in Lampasas County; 1 of these neighbors top Coryell County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Coryell County | - | $71,301 | $1,186/mo | 59% |
| Hamilton County, TX | 29 mi | $58,219 | $885/mo | 79% |
| Lampasas County, TX | 29 mi | $81,736 | $1,059/mo | 80% |
| Bell County, TX | 30 mi | $68,865 | $1,224/mo | 57% |
| Bosque County, TX | 36 mi | $68,914 | $928/mo | 76% |
| McLennan County, TX | 37 mi | $66,643 | $1,173/mo | 62% |
| Mills County, TX | 48 mi | $67,620 | $708/mo | 80% |
The communities that make up Coryell County
6 Census places fall mainly inside Coryell County; the 6 biggest are below. They account for 44,199 residents, leaving about 48% of the county in unincorporated, unnamed areas. Live in one of these Coryell County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Fort Hood | CDP | 26,814 | $62,835 | $1,406 | 18 mi |
| Gatesville | city | 16,228 | $57,217 | $1,007 | 4 mi |
| Oglesby | city | 418 | $47,750 | $911 | 17 mi |
| Flat | CDP | 354 | $63,693 | n/a | 12 mi |
| South Mountain | town | 328 | $57,500 | $960 | 8 mi |
| Mound | CDP | 57 | n/a | n/a | 10 mi |
A CDP is a named community without its own municipal government.
Coryell County residents: age, schooling, coverage
19% of Coryell County adults 25 and older hold a bachelor's degree or more. 10.6% of residents have no health coverage.
| People and households | Coryell County | Texas | Median county |
|---|---|---|---|
| Median age | 32.8 | 35.6 | 41.5 |
| Bachelor's or higher | 19.3% | 33.8% | 22.2% |
| No high school diploma | 8.9% | 14.0% | n/a |
| No health insurance | 10.6% | 17.1% | 7.8% |
| No vehicle | 5.6% | 5.4% | 5.4% |
| Work from home | 11.0% | 14.4% | 8.7% |
| Poverty rate | 11.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 7.1% | 5.3% | 4.4% |
| One-way commute | Share of Coryell County workers |
|---|---|
| Under 15 min | 37.8% |
| 15 to 29 min | 33.9% |
| 30 to 44 min | 11.5% |
| 45 to 59 min | 7.5% |
| 60+ min | 9.3% |
Borrowing situations common in Coryell County
Based on the Coryell County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
What a median Coryell County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Coryell County's medians:
- Median income divided by twelve: $5,942 before taxes
- 20% goes to median rent ($1,186)
- With a 40% ceiling, about $1,191 remains for car, card, student and any new loan payments
If your rent is above $1,186, the room shrinks dollar for dollar.
Lender oversight for Coryell County
The Texas Department of Banking is the place to verify any lender's Texas license. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Texas guide.
Checklist for Coryell County applicants
Before you apply, wherever you live in Coryell County:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Coryell County?
$71,301 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 76th of 254 in the state.
What do renters pay in Coryell County?
$1,186 a month at the median, about 20% of median household income.
Which towns does the Coryell County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Fort Hood, Gatesville, Oglesby, Flat, South Mountain.
Are Coryell County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Is there a Coryell County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.