1st Advantage MortgageThe median Dallam County household earns $71,500, and 11% of residents live below the poverty line. 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
- Who lives in Dallam County
- What it costs to live in Dallam County
- What Dallam County households earn
- Jobs and commutes in Dallam County
- The communities that make up Dallam County
- Neighboring counties at a glance
- Room for a loan payment in Dallam County
- More Dallam County figures
- Reading the Dallam County data as a borrower
- Checking a lender's license in Texas
- Steps before you apply in Dallam County
- More guides for Dallam County
- Frequently asked questions
Who lives in Dallam County
With an estimated 7,298 residents (ACS 2020 to 2024), Dallam County ranks 183rd of 254 in Texas for population. Land area is 1,503 square miles (2024 Gazetteer), so density runs near 5 per square mile. Under the July 2023 OMB definitions, Dallam County is not part of any metropolitan area. Texline, with about 569 people, is the only Census place mainly inside the county. Small populations mean wide margins of error, so read every Dallam County figure on this page as a rough guide.
What it costs to live in Dallam County
Median gross rent, utilities included, comes to $1,081 in Dallam County versus $1,403 statewide. 49% of renting households spend 30% or more of income on rent, and 5% spend half or more. With a median value of $151,400, a typical Dallam County house costs 2.1 times what the median household earns in a year. The ownership rate is 64%. The median home was built in 1977, so roofs, wiring and heating systems are a common source of repair bills.
| Measure | Dallam County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,081/mo | $1,403/mo | $877/mo |
| Median home value | $151,400 | $283,800 | $185,300 |
| Owners | 64% | 63% | 75% |
| Rent-burdened renters | 49% | 52% | 45% |
| Burdened owners | 26% | 29% | n/a |
| Vacant units | 15% | 9% | n/a |
What Dallam County households earn
Dallam County households have a median income of $71,500 (ACS 2020 to 2024), which ranks 75th of 254 in Texas.
| Band | Dallam County | Compared with Texas |
|---|---|---|
| Under $35,000 | 19.3% | -2.1 pts |
| $35,000 to $99,999 | 62.0% | +22.6 pts |
| $100,000 to $199,999 | 17.7% | -9.0 pts |
| $200,000 or more | 1.0% | -11.4 pts |
Some 19% of households here live on less than $35,000 a year; 19% have six-figure incomes. Census counts 11.5% of Dallam County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.315 here. None of these numbers decides a Dallam County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Dallam County
Agriculture, forestry and mining employs 16% of working residents, the largest share; construction is next with 13%. The sharpest difference from the state is in agriculture, forestry and mining, at 16% locally and 2% for Texas. Averaged over the five survey years, 2.3% of the labor force was out of work and looking. 3% of commuters travel 45 minutes or more each way, and 2% work from home. Only 2.2% of homes here go without a vehicle.
| Sector | Dallam County | Compared with Texas |
|---|---|---|
| Agriculture, forestry and mining | 15.9% | +13.7 pts |
| Construction | 13.2% | +4.7 pts |
| Transportation, warehousing and utilities | 12.0% | +5.3 pts |
| Manufacturing | 11.6% | +3.1 pts |
| Retail trade | 10.9% | -0.1 pts |
| Education and health care | 9.2% | -12.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
The communities that make up Dallam County
Texline is the only Census place mainly inside Dallam County, with about 569 of the county's 7,298 residents. None of the 1 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 |
|---|---|---|---|---|---|
| Texline | town | 569 | $68,625 | $800 | 24 mi |
Neighboring counties at a glance
Nearest neighbors first, measured between county centers (31 to 61 miles). Income ranges from $46,694 in Union County to $79,900 in Oldham County; 2 of these neighbors top Dallam County's median. The list crosses into New Mexico, Oklahoma, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Dallam County | - | $71,500 | $1,081/mo | 64% |
| Hartley County, TX | 31 mi | $75,841 | $1,028/mo | 74% |
| Cimarron County, OK | 32 mi | $62,188 | $718/mo | 78% |
| Sherman County, TX | 39 mi | $61,250 | $835/mo | 76% |
| Moore County, TX | 50 mi | $61,762 | $939/mo | 62% |
| Union County, NM | 51 mi | $46,694 | $683/mo | 72% |
| Oldham County, TX | 61 mi | $79,900 | $1,111/mo | 74% |
Room for a loan payment in Dallam County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Dallam County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Dallam County: $5,958
- Median rent: $1,081, or 18 cents of every gross dollar
- 36% debt-to-income limit: $1,064 left for all other debt payments
If your rent is above $1,081, the room shrinks dollar for dollar.
More Dallam County figures
College graduates make up 12% of the adult population. The uninsured rate is 24.4%, against 17.1% for Texas.
| Measure | Dallam County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 29.9 | 35.6 | 41.5 |
| Bachelor's or higher | 11.9% | 33.8% | 22.2% |
| No high school diploma | 22.2% | 14.0% | n/a |
| No health insurance | 24.4% | 17.1% | 7.8% |
| No vehicle | 2.2% | 5.4% | 5.4% |
| Work from home | 2.4% | 14.4% | 8.7% |
| Poverty rate | 11.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.3% | 5.3% | 4.4% |
| Commute length | Dallam County |
|---|---|
| Under 15 min | 63.2% |
| 15 to 29 min | 18.0% |
| 30 to 44 min | 16.1% |
| 45 to 59 min | 0.4% |
| 60+ min | 2.2% |
Reading the Dallam County data as a borrower
Based on the Dallam County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 24% of Dallam County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Renters under pressure. When 49% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Consolidating cards in Dallam County. Compare the total repaid, not the monthly figure (how).
Checking a lender's license in Texas
Dallam County borrowers fall under statewide rules, enforced by the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Federal complaints: consumerfinance.gov. More on Texas: Texas personal loans.
Steps before you apply in Dallam County
A short checklist for Dallam County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in Texas.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Dallam County
For statewide rules and data, see the Texas guide.
Frequently asked questions
How much do households in Dallam County earn?
The median is $71,500; 19% earn $100,000 or more and 19% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Dallam County?
$1,081 a month at the median, about 18% of median household income.
I live in a small Dallam County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Texline.
Are Dallam 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.
Who do I complain to about a lender in Dallam County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.