1st Advantage MortgageAbout 72% of Eastland County homes are owner-occupied, and the median household income is $53,549. 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
- Eastland County, TX: the basics
- Paychecks and income spread in Eastland County
- How Eastland County residents earn a living
- Eastland County housing compared with Texas
- The communities that make up Eastland County
- How Eastland County compares with nearby counties
- Debt-to-income at Eastland County's medians
- What the numbers mean for Eastland County borrowers
- Who lives in Eastland County, in numbers
- A Eastland County borrower's checklist
- Checking a lender's license in Texas
- More guides for Eastland County
- Frequently asked questions
Eastland County, TX: the basics
Eastland County is home to about 18,011 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 132nd most populous of 254 county-level areas in Texas. Land area is 927 square miles (2024 Gazetteer), so density runs near 19 per square mile. Under the July 2023 OMB definitions, Eastland County is not part of any metropolitan area. The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Cisco, with about 3,955 residents, or 22% of the county.
Paychecks and income spread in Eastland County
At $53,549, the typical Eastland County household income is 18% below the median U.S. county ($65,681). Only 211 Texas counties post a higher median.
| Income band | Share in Eastland County | Difference from Texas |
|---|---|---|
| Under $35,000 | 32.8% | +11.4 pts |
| $35,000 to $99,999 | 41.9% | +2.5 pts |
| $100,000 to $199,999 | 21.0% | -5.8 pts |
| $200,000 or more | 4.4% | -8.1 pts |
About 33% of households earn under $35,000, while 25% clear $100,000. The poverty rate is 16.2%, 2 points higher than the state's 13.8%. For a borrower in Eastland 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.
How Eastland County residents earn a living
By the Census industry count, 22% of employed Eastland County residents work in education and health care and 13% in retail trade. Agriculture, forestry and mining stands out: 8% of workers here, versus 2% statewide. ACS puts five-year average unemployment at 4.7% in Eastland County. Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work. 5.0% of households have no vehicle.
| Where residents work | Eastland County | Difference from Texas |
|---|---|---|
| Education and health care | 22.2% | +0.6 pts |
| Retail trade | 12.7% | +1.7 pts |
| Construction | 12.4% | +3.8 pts |
| Arts, lodging and food service | 9.4% | +0.9 pts |
| Manufacturing | 8.4% | -0.2 pts |
| Agriculture, forestry and mining | 7.9% | +5.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Eastland County housing compared with Texas
A typical Eastland County rental runs $866 a month including utilities, which is 38% below Texas. By the Census definition, 44% of Eastland County renters are cost-burdened. Home values center on $134,800, or 2.5 years of median income. Owners occupy 72% of homes. Median construction year: 1966.
| Housing | Eastland County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $866/mo | $1,403/mo | $877/mo |
| Median home value | $134,800 | $283,800 | $185,300 |
| Owners | 72% | 63% | 75% |
| Rent-burdened renters | 44% | 52% | 45% |
| Burdened owners | 35% | 29% | n/a |
| Mobile homes | 12.7% | 6.4% | n/a |
| Vacant units | 23% | 9% | n/a |
The communities that make up Eastland County
6 Census places fall mainly inside Eastland County; the 6 biggest are below. They account for 12,245 residents, leaving about 32% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $19,444 in Gorman to $58,550 in Cisco. Median rent ranges from $488 in Gorman to $1,023 in Eastland. No Eastland County place has a separate guide yet; this county page serves all 6.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Cisco | city | 3,955 | $58,550 | $941 | 10 mi |
| Eastland | city | 3,704 | $51,776 | $1,023 | 5 mi |
| Ranger | city | 2,641 | $34,336 | $904 | 14 mi |
| Gorman | city | 997 | $19,444 | $488 | 12 mi |
| Rising Star | town | 668 | $37,037 | $707 | 17 mi |
| Carbon | town | 280 | $80,500 | $1,571 | 4 mi |
How Eastland County compares with nearby counties
The six counties whose centers lie closest to Eastland County's, from 29 to 41 miles away. Income ranges from $49,159 in Coleman County to $72,436 in Callahan County; 5 of these neighbors top Eastland County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Eastland County | - | $53,549 | $866/mo | 72% |
| Stephens County, TX | 29 mi | $58,008 | $846/mo | 79% |
| Comanche County, TX | 31 mi | $59,635 | $855/mo | 80% |
| Callahan County, TX | 31 mi | $72,436 | $817/mo | 81% |
| Erath County, TX | 36 mi | $65,115 | $1,146/mo | 63% |
| Brown County, TX | 40 mi | $57,470 | $919/mo | 68% |
| Coleman County, TX | 41 mi | $49,159 | $653/mo | 77% |
Debt-to-income at Eastland County's medians
Here is the Eastland County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Eastland County: $4,462
- Median rent: $866, or 19 cents of every gross dollar
- At 36%, room after rent is $740 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Eastland County's.
What the numbers mean for Eastland County borrowers
Where the Eastland County numbers stand out, and why it matters for a loan:
- Medical bills. 15% of Eastland County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Mobile home upkeep. 13% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Who lives in Eastland County, in numbers
College graduates make up 22% of the adult population. About 15% go without health insurance.
| People and households | Eastland County | Texas | Median county |
|---|---|---|---|
| Median age | 43.1 | 35.6 | 41.5 |
| Bachelor's or higher | 21.8% | 33.8% | 22.2% |
| No high school diploma | 15.2% | 14.0% | n/a |
| No health insurance | 15.3% | 17.1% | 7.8% |
| No vehicle | 5.0% | 5.4% | 5.4% |
| Work from home | 4.9% | 14.4% | 8.7% |
| Poverty rate | 16.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.7% | 5.3% | 4.4% |
| Minutes to work | Eastland County workers |
|---|---|
| Under 15 min | 46.3% |
| 15 to 29 min | 26.0% |
| 30 to 44 min | 10.3% |
| 45 to 59 min | 2.9% |
| 60+ min | 14.5% |
A Eastland County borrower's checklist
A short checklist for Eastland County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Texas.
- Ask about early-payoff penalties.
Checking a lender's license in Texas
Eastland County borrowers fall under statewide rules, enforced by the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Texas guide covers state rules in more detail.
More guides for Eastland County
The Texas guide covers the whole state.
Frequently asked questions
Is Eastland County a high-income county?
Its $53,549 median ranks 212th of 254 Texas counties and compares with $65,681 for the median U.S. county.
How does Eastland County rent compare with Texas?
$866 locally versus $1,403 for the state, 38% below.
Which towns does the Eastland County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Cisco, Eastland, Ranger, Gorman, Rising Star.
Is the fit check different in Eastland County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who do I complain to about a lender in Eastland County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.