1st Advantage MortgageCulberson County households have a median income of $58,777 and median rent of $1,043 a month (ACS 2020 to 2024). 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
- Culberson County by the numbers
- How Culberson County residents earn a living
- Income in Culberson County compared with Texas
- Rent, home values and ownership in Culberson County
- Counties near Culberson County
- Cities, towns and CDPs in Culberson County
- Who lives in Culberson County, in numbers
- What the numbers mean for Culberson County borrowers
- Room for a loan payment in Culberson County
- Four steps for Culberson County borrowers
- Who licenses lenders for Culberson County residents
- More guides for Culberson County
- Frequently asked questions
Culberson County by the numbers
Culberson County is home to about 2,195 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 232nd most populous of 254 county-level areas in Texas. It covers 3,812 square miles of land, with fewer than one resident per square mile. No metropolitan area includes Culberson County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 1 Census place inside Culberson County, Van Horn leads by population with about 1,908. Because Culberson County is small, the survey's margins of error are wide; treat the numbers as approximate.
How Culberson County residents earn a living
The biggest employer of Culberson County residents, by industry, is retail trade at 22% of workers, followed by manufacturing (17%). The sharpest difference from the state is in retail trade, at 22% locally and 11% for Texas. The survey's unemployment rate for Culberson County averages 1.2% over 2020 to 2024 (state: 5.3%). About 90% drive to work alone and 4% have trips of 45 minutes or more. Households without a car make up 5.2% of the total (5.4% statewide).
| Sector | Culberson County | Compared with Texas |
|---|---|---|
| Retail trade | 21.9% | +10.9 pts |
| Manufacturing | 17.3% | +8.7 pts |
| Transportation, warehousing and utilities | 11.5% | +4.8 pts |
| Public administration | 10.7% | +6.6 pts |
| Arts, lodging and food service | 10.7% | +2.2 pts |
| Education and health care | 9.2% | -12.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Culberson County should have bank statements and tax returns ready.
Income in Culberson County compared with Texas
At $58,777, the typical Culberson County household income is 11% below the median U.S. county ($65,681). Only 178 Texas counties post a higher median.
| Household income | Culberson County | vs Texas |
|---|---|---|
| Under $35,000 | 36.1% | +14.7 pts |
| $35,000 to $99,999 | 43.0% | +3.6 pts |
| $100,000 to $199,999 | 19.0% | -7.7 pts |
| $200,000 or more | 2.0% | -10.5 pts |
About 36% of households earn under $35,000, while 21% clear $100,000. The poverty rate is 19.5%, 6 points higher than the state's 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 Culberson County median.
Rent, home values and ownership in Culberson County
Median gross rent, utilities included, comes to $1,043 in Culberson County versus $1,403 statewide. By the Census definition, 8% of Culberson County renters are cost-burdened. The median owner-occupied home is valued at $79,300, about 1.3 times the median household income. 70% of Culberson County households own their home and 30% rent. Half the housing stock was built before 1975.
| Housing | Culberson County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,043/mo | $1,403/mo | $877/mo |
| Median home value | $79,300 | $283,800 | $185,300 |
| Owners | 70% | 63% | 75% |
| Rent-burdened renters | 8% | 52% | 45% |
| Burdened owners | 0% | 29% | n/a |
| Mobile homes | 23.4% | 6.4% | n/a |
| Vacant units | 21% | 9% | n/a |
Counties near Culberson County
Distances run center to center, from Reeves County at 49 miles out to Ward County at 84. Income ranges from $48,600 in Hudspeth County to $78,426 in Eddy County; 4 of these neighbors top Culberson County's median. Some neighbors are in New Mexico. Lender licensing is state by state, so a loan for a Culberson County resident follows Texas rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Culberson County | - | $58,777 | $1,043/mo | 70% |
| Reeves County, TX | 49 mi | $64,297 | $981/mo | 74% |
| Hudspeth County, TX | 50 mi | $48,600 | $705/mo | 74% |
| Jeff Davis County, TX | 60 mi | $59,286 | $1,241/mo | 88% |
| Loving County, TX | 63 mi | $51,250 | n/a | 11% |
| Eddy County, NM | 71 mi | $78,426 | $1,245/mo | 73% |
| Ward County, TX | 84 mi | $65,952 | $1,118/mo | 79% |
Cities, towns and CDPs in Culberson County
Just one Census place, Van Horn, lies mainly within Culberson County; it holds about 1,908 people. This guide covers each of the 1 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Van Horn | town | 1,908 | $59,707 | $1,043 | 33 mi |
Who lives in Culberson County, in numbers
Degree holders: 16% of adults over 25. The uninsured rate is 19.2%, against 17.1% for Texas.
| Indicator | Culberson County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 44.8 | 35.6 | 41.5 |
| Bachelor's or higher | 15.8% | 33.8% | 22.2% |
| No high school diploma | 25.8% | 14.0% | n/a |
| No health insurance | 19.2% | 17.1% | 7.8% |
| No vehicle | 5.2% | 5.4% | 5.4% |
| Work from home | 1.8% | 14.4% | 8.7% |
| Poverty rate | 19.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 1.2% | 5.3% | 4.4% |
| Minutes to work | Culberson County workers |
|---|---|
| Under 15 min | 63.9% |
| 15 to 29 min | 7.2% |
| 30 to 44 min | 25.1% |
| 45 to 59 min | 0.0% |
| 60+ min | 3.8% |
What the numbers mean for Culberson County borrowers
Based on the Culberson County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Culberson County. For the 19% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Repairs on manufactured housing. With 23% of homes here, compare a personal loan with any dealer or park repair program.
- Lower-cost alternatives. In a county with 19% in poverty, nonprofit credit counseling may beat a loan (options).
Room for a loan payment in Culberson County
How much room does a median Culberson County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $58,777 a year is $4,898 of gross monthly income
- Less median rent of $1,043, which is 21% of it
- 40% debt-to-income limit: $916 left for all other debt payments
If your rent is above $1,043, the room shrinks dollar for dollar.
Four steps for Culberson County borrowers
Quick steps for Culberson County:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Texas borrowers.
- Never pay a fee up front to get a loan.
Who licenses lenders for Culberson County residents
Licensing happens at the state level, so a lender working with Culberson County borrowers answers to the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Federal complaints: consumerfinance.gov. More on Texas: Texas personal loans.
More guides for Culberson County
The Texas guide covers the whole state.
Frequently asked questions
How much do households in Culberson County earn?
The median is $58,777; 21% earn $100,000 or more and 36% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Culberson County?
Median gross rent, utilities included, is $1,043 a month; 8% of renters spend 30% or more of income on it.
I live in a small Culberson County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Van Horn.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Culberson County or elsewhere in Texas, the same rules apply.
Where can someone in Culberson 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.