1st Advantage Mortgage30% of Delta County households earn $100,000 or more; the median is $66,575 (ACS 2020-24). County medians do not set your terms. Shop at least three lenders, including a credit union serving Delta County, and confirm each one's Texas license.
On this page
- Delta County by the numbers
- Employment and commuting in Delta County
- Delta County housing compared with Texas
- The $66,575 median and what sits around it
- How Delta County ranks in Texas
- Delta County communities by population
- The counties around Delta County
- Who lives in Delta County, in numbers
- Reading the Delta County data as a borrower
- $5,548 a month: the Delta County median budget
- Texas lender licensing
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Delta County by the numbers
Roughly 5,438 residents live in Delta County, Texas, 195th by population among the state's 254 counties and county equivalents. Land area is 257 square miles (2024 Gazetteer), so density runs near 21 per square mile. No metropolitan area includes Delta County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Largest place: Cooper, about 2,055 residents (38% of Delta County); 2 Census places in all. With so few households sampled, Delta County estimates can move a lot between releases.
Employment and commuting in Delta County
By the Census industry count, 29% of employed Delta County residents work in education and health care and 15% in manufacturing. Delta County over-indexes on education and health care: 29% versus 22% in Texas. Averaged over the five survey years, 4.3% of the labor force was out of work and looking. Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work. 78 Delta County households, 3.6%, have no vehicle.
| Industry | Share of Delta County workers | vs Texas |
|---|---|---|
| Education and health care | 29.5% | +7.9 pts |
| Manufacturing | 15.5% | +6.9 pts |
| Transportation, warehousing and utilities | 9.0% | +2.3 pts |
| Other services | 8.8% | +3.9 pts |
| Construction | 7.3% | -1.2 pts |
| Agriculture, forestry and mining | 5.7% | +3.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Delta County should have bank statements and tax returns ready.
Delta County housing compared with Texas
$945 a month is the median gross rent in Delta County, 33% below the state. 41% of renting households spend 30% or more of income on rent, and 9% spend half or more. The median owner-occupied home is valued at $164,300, about 2.5 times the median household income. In Delta County, 83% of occupied homes are owned by the people living in them.
| Housing | Delta County | Texas statewide | Delta County vs state |
|---|---|---|---|
| Median gross rent | $945/mo | $1,403/mo | 33% lower |
| Median home value | $164,300 | $283,800 | 42% lower |
| Owners | 83% | 63% | +20.3 pts |
| Rent-burdened renters | 41% | 52% | -10.6 pts |
| Burdened owners | 23% | 29% | -5.7 pts |
| Mobile homes | 12.7% | 6.4% | +6.2 pts |
With 83% of Delta County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
The $66,575 median and what sits around it
The median household income in Delta County is $66,575; statewide it is $78,476, so Delta County runs 15% below Texas as a whole. That places it 111th among Texas's 254 county-level areas.
| Households earning | Delta County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 30.5% | +9.1 pts |
| $35,000 to $99,999 | 39.4% | +0.1 pts |
| $100,000 to $199,999 | 27.1% | +0.4 pts |
| $200,000 or more | 3.0% | -9.5 pts |
Six-figure households (30%) are outnumbered by those under $35,000 (30%) in Delta County. 11.4% of residents fall below the federal poverty line (statewide: 13.8%). None of these numbers decides a Delta County application. Lenders weigh your own documented income against your own debts.
How Delta County ranks in Texas
The 3 Delta County numbers that rank furthest from typical in Texas, and what each means for a borrower:
- The uninsured rate: 9.5% in Delta County. Only 9 of 253 Texas counties are lower. Lower uninsured rates still leave deductibles; check what a plan covers first.
- Delta County ranks 21st highest of 254 Texas counties for homeownership: 83%, against 63% statewide. Most households here own, so home equity is often an alternative to weigh.
- The share of adults with a bachelor's degree: 15% in Delta County. Only 48 of 253 Texas counties are lower. Lenders weigh income and credit, not schooling.
Delta County communities by population
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 43% of Delta County residents live in one of the 2. Cooper and every other Delta County community use this county guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Cooper | city | 2,055 | $43,767 | $877 | 1 mi |
| Pecan Gap | city | 258 | $126,500 | n/a | 11 mi |
The counties around Delta County
Distances run center to center, from Hopkins County at 18 miles out to Rains County at 36. Richest neighbor: Franklin County, $72,360. Poorest: Lamar County, $61,880. Delta County: $66,575.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Delta County | - | $66,575 | $945/mo | 83% |
| Hopkins County, TX | 18 mi | $70,888 | $1,109/mo | 71% |
| Lamar County, TX | 20 mi | $61,880 | $949/mo | 66% |
| Fannin County, TX | 29 mi | $72,295 | $1,035/mo | 79% |
| Hunt County, TX | 30 mi | $71,938 | $1,222/mo | 71% |
| Franklin County, TX | 30 mi | $72,360 | $936/mo | 82% |
| Rains County, TX | 36 mi | $65,413 | $989/mo | 83% |
Who lives in Delta County, in numbers
In Delta County, 15% of adults have at least a four-year degree (34% in Texas). About 10% go without health insurance.
| Delta County | vs Texas | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 14.9% | -18.9 pts | -7.2 pts |
| No health insurance | 9.5% | -7.6 pts | +1.7 pts |
| Work from home | 8.0% | -6.4 pts | -0.7 pts |
| Median age | 40.3 | +4.7 yrs | -1.2 yrs |
| No high school diploma | 10.6% | -3.5 pts | n/a |
| Poverty rate | 11.4% | -2.4 pts | -1.8 pts |
| No vehicle | 3.6% | -1.9 pts | -1.8 pts |
| Unemployment (ACS) | 4.3% | -1.0 pts | -0.1 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 21.0% |
| 15 to 29 min | 33.5% |
| 30 to 44 min | 27.4% |
| 45 to 59 min | 11.2% |
| 60+ min | 6.9% |
Reading the Delta County data as a borrower
The county's numbers point to a few situations that come up often for Delta County borrowers.
- Long drives. With 18% of commutes over 45 minutes, tires and repairs are fixed costs in many Delta County budgets.
- Manufactured housing (13%). Delta County owners should get two written repair quotes before borrowing.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
$5,548 a month: the Delta County median budget
The debt-to-income ratio is the main affordability test lenders use. Applied to Delta County's medians:
- $5,548 a month: gross income for a household at the Delta County median
- Less median rent of $945, which is 17% of it
- With a 36% ceiling, about $1,052 remains for car, card, student and any new loan payments
- 43% debt-to-income limit: $1,441 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Texas lender licensing
Delta County borrowers fall under statewide rules, enforced by the Texas Department of Banking. A second Texas office, the Office of Consumer Credit Commissioner, covers consumer credit. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Texas state guide for the statewide picture.
Before you sign
Quick steps for Delta County:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- A Texas license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
No city in Delta County has its own guide yet; the state page is next up.
Frequently asked questions
What is the median household income in Delta County?
$66,575 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 111th of 254 in the state.
How much is rent in Delta County?
Median gross rent, utilities included, is $945 a month; 41% of renters spend 30% or more of income on it.
I live in a small Delta County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Cooper, Pecan Gap.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Delta County or elsewhere in Texas, the same rules apply.
Who do I complain to about a lender in Delta County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.