1st Advantage Mortgage18% of Crosby County households earn $100,000 or more; the median is $52,188 (ACS 2020-24). 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
- Population and place: Crosby County
- How Crosby County residents earn a living
- Income in Crosby County compared with Texas
- Renting and owning in Crosby County
- Crosby County against other Texas counties
- How Crosby County compares with nearby counties
- Cities, towns and CDPs in Crosby County
- Crosby County demographics against Texas
- What a median Crosby County budget can carry
- Borrowing situations common in Crosby County
- Steps before you apply in Crosby County
- Texas rules that apply in Crosby County
- More guides for Crosby County
- Frequently asked questions
Population and place: Crosby County
The latest five-year Census estimate puts Crosby County's population at 5,041; only 201 of Texas's 254 county-level areas are larger. It covers 900 square miles of land, or about 6 people per square mile. Metro area: Lubbock, TX (OMB, 2023). Crosbyton is the biggest of its 3 Census places, at roughly 1,774 people (35% of the county total). With so few households sampled, Crosby County estimates can move a lot between releases.
How Crosby County residents earn a living
Education and health care employs 25% of working residents, the largest share; retail trade is next with 13%. Relative to Texas (2%), agriculture, forestry and mining is 8 points bigger in Crosby County (10%). The survey's unemployment rate for Crosby County averages 8.2% over 2020 to 2024 (state: 5.3%). Long commutes are common here: 19% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Crosby County workers | vs Texas |
|---|---|---|
| Education and health care | 24.9% | +3.3 pts |
| Retail trade | 13.4% | +2.4 pts |
| Construction | 11.9% | +3.4 pts |
| Agriculture, forestry and mining | 10.4% | +8.1 pts |
| Professional and administrative services | 7.8% | -5.1 pts |
| Public administration | 6.0% | +1.9 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Income in Crosby County compared with Texas
$52,188 is the median household income for Crosby County, set against $78,476 for Texas. In the state ranking that is 217th of 254.
| Yearly household income | Crosby County | Gap to Texas |
|---|---|---|
| Under $35,000 | 31.3% | +9.9 pts |
| $35,000 to $99,999 | 50.8% | +11.4 pts |
| $100,000 to $199,999 | 14.5% | -12.2 pts |
| $200,000 or more | 3.4% | -9.1 pts |
About 31% of households earn under $35,000, while 18% clear $100,000. 20.1% of residents fall below the federal poverty line (statewide: 13.8%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Crosby County median.
Renting and owning in Crosby County
A typical Crosby County rental runs $684 a month including utilities, which is 51% below Texas. Rent takes 30% or more of income for 46% of renter households here. Median value $80,900; median income $52,188; ratio 1.6. Owners occupy 69% of homes. Nationally, Crosby County's $684 rent is 22% below the middle county.
| Cost | Crosby County | Texas figure | Higher or lower |
|---|---|---|---|
| Median gross rent | $684/mo | $1,403/mo | 51% lower |
| Median home value | $80,900 | $283,800 | 71% lower |
| Owners | 69% | 63% | +6.3 pts |
| Rent-burdened renters | 46% | 52% | -5.9 pts |
| Burdened owners | 29% | 29% | -0.1 pts |
| Vacant units | 27% | 9% | +18.1 pts |
Crosby County against other Texas counties
- Crosby County ranks 13th lowest of 250 Texas counties for median home value: $80,900, against $283,800 statewide. With modest home values, equity borrowing is rarely large.
- On the share of households earning $100,000 or more, Crosby County sits near the bottom of Texas at 18%, 15th lowest of 254. Most budgets here are modest, so keep payments small.
- Crosby County ranks 22nd highest of 247 Texas counties for the ACS unemployment rate: 8.2%, against 5.3% statewide. Job gaps can make income hard to document; gather records first.
How Crosby County compares with nearby counties
Garza County is closest, 29 miles from center to center; the sixth, Kent County, is 42 miles off. 4 of the six report a higher median household income than Crosby County; Lynn County is highest at $73,679 and Garza County lowest at $46,314.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Crosby County | - | $52,188 | $684/mo | 69% |
| Garza County, TX | 29 mi | $46,314 | $838/mo | 71% |
| Dickens County, TX | 29 mi | $49,335 | $758/mo | 80% |
| Lubbock County, TX | 30 mi | $64,155 | $1,178/mo | 56% |
| Floyd County, TX | 32 mi | $58,462 | $676/mo | 73% |
| Lynn County, TX | 42 mi | $73,679 | $927/mo | 77% |
| Kent County, TX | 42 mi | $72,889 | $675/mo | 79% |
Cities, towns and CDPs in Crosby County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 81% of Crosby County residents live in one of the 3. Ralls ($57,697) and Crosbyton ($38,684) mark the top and bottom of Crosby County's income range among larger places. Rent is cheapest in Crosbyton ($512) and steepest in Ralls ($777). No Crosby County place has a separate guide yet; this county page serves all 3.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Crosbyton | city | 1,774 | $38,684 | $512 | 4 mi |
| Ralls | city | 1,463 | $57,697 | $777 | 7 mi |
| Lorenzo | city | 834 | $46,389 | $665 | 14 mi |
Crosby County demographics against Texas
In Crosby County, 15% of adults have at least a four-year degree (34% in Texas). Uninsured, Crosby County: 20.2%; Texas: 17.1%.
| Residents | Crosby County | Difference from Texas | Difference from middle U.S. county |
|---|---|---|---|
| Median age | 38.5 | +2.9 yrs | -3.0 yrs |
| Bachelor's or higher | 15.4% | -18.4 pts | -6.8 pts |
| No high school diploma | 19.2% | +5.2 pts | n/a |
| No health insurance | 20.2% | +3.1 pts | +12.4 pts |
| No vehicle | 3.9% | -1.6 pts | -1.5 pts |
| Work from home | 2.6% | -11.8 pts | -6.1 pts |
| Poverty rate | 20.1% | +6.3 pts | +6.9 pts |
| Unemployment (ACS) | 8.2% | +3.0 pts | +3.8 pts |
| One-way commute | Share of Crosby County workers |
|---|---|
| Under 15 min | 38.6% |
| 15 to 29 min | 13.2% |
| 30 to 44 min | 29.6% |
| 45 to 59 min | 12.0% |
| 60+ min | 6.7% |
What a median Crosby County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Crosby County household at the medians it works out like this; treat it as an illustration only.
- $52,188 a year is $4,349 of gross monthly income
- Rent at the median, $684, takes 16% of that
- Under a 36% cap, $1,566 total minus rent leaves $882
- With a 43% ceiling, about $1,186 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Crosby County
- Medical bills. 20% of Crosby County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Car trouble. For Crosby County drivers (19% with 45-minute-plus trips), price the repair against the car's value first.
- Lower-cost alternatives. In a county with 20% in poverty, nonprofit credit counseling may beat a loan (options).
- Crosby County rent burden. 46% of renters are cost-burdened; ask your landlord about a payment plan before borrowing for rent.
Steps before you apply in Crosby County
Steps that save money for Crosby County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Shop at least three lenders, including one Crosby County-area credit union.
- A Texas license check takes minutes; do it first.
- Pick the shortest term whose payment still fits.
Texas rules that apply in Crosby County
The Texas Department of Banking is the place to verify any lender's Texas license. A second Texas office, the Office of Consumer Credit Commissioner, covers consumer credit. Federal complaints: consumerfinance.gov. Statewide data and rules: Texas guide.
More guides for Crosby County
Statewide:
Frequently asked questions
Is $52,188 a good income in Crosby County?
It is the county median, so half of Crosby County households earn more and half less; 18% earn $100,000 or more.
How much is rent in Crosby County?
Median gross rent, utilities included, is $684 a month; 46% of renters spend 30% or more of income on it.
Which towns does the Crosby County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Crosbyton, Ralls, Lorenzo.
Does living in Crosby 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 Crosby County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Crosby 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.