1st Advantage MortgageFisher County households have a median income of $65,533 and median rent of $601 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Fisher County by the numbers
- What Fisher County households earn
- Jobs and commutes in Fisher County
- Fisher County housing compared with Texas
- Fisher County and the counties next door
- Places inside Fisher County
- What a median Fisher County budget can carry
- Who lives in Fisher County, in numbers
- Borrowing situations common in Fisher County
- Lender oversight for Fisher County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Fisher County by the numbers
Roughly 3,655 residents live in Fisher County, Texas, 209th by population among the state's 254 counties and county equivalents. It covers 899 square miles of land, or about 4 people per square mile. Under the July 2023 OMB definitions, Fisher County is not part of any metropolitan area. Rotan is the biggest of its 4 Census places, at roughly 1,204 people (33% of the county total). Small populations mean wide margins of error, so read every Fisher County figure on this page as a rough guide.
What Fisher County households earn
Half of Fisher County households take in less than $65,533 a year and half take in more, 16% below the Texas median of $78,476.
| Households earning | Fisher County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 22.3% | +0.8 pts |
| $35,000 to $99,999 | 51.0% | +11.6 pts |
| $100,000 to $199,999 | 23.2% | -3.5 pts |
| $200,000 or more | 3.5% | -9.0 pts |
About 22% of households earn under $35,000, while 27% clear $100,000. The poverty rate is 13.7%, the same as the state's 13.8%. The Gini index of income inequality is 0.390 (0 is perfect equality). None of these numbers decides a Fisher County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Fisher County
The biggest employer of Fisher County residents, by industry, is education and health care at 28% of workers, followed by manufacturing (14%). Agriculture, forestry and mining stands out: 13% of workers here, versus 2% statewide. The survey's unemployment rate for Fisher County averages 4.7% over 2020 to 2024 (state: 5.3%). 13% of commuters travel 45 minutes or more each way, and 4% work from home. 4.3% of households have no vehicle.
| Sector | Fisher County | Compared with Texas |
|---|---|---|
| Education and health care | 28.0% | +6.4 pts |
| Manufacturing | 14.2% | +5.6 pts |
| Agriculture, forestry and mining | 13.1% | +10.8 pts |
| Transportation, warehousing and utilities | 9.8% | +3.1 pts |
| Construction | 6.6% | -2.0 pts |
| Retail trade | 6.1% | -4.9 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Fisher County housing compared with Texas
A typical Fisher County rental runs $601 a month including utilities, which is 57% below Texas. By the Census definition, 26% of Fisher County renters are cost-burdened. With a median value of $78,600, a typical Fisher County house costs 1.2 times what the median household earns in a year. Owners occupy 80% of homes. Median construction year: 1963.
| Measure | Fisher County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $601/mo | $1,403/mo | $877/mo |
| Median home value | $78,600 | $283,800 | $185,300 |
| Owners | 80% | 63% | 75% |
| Rent-burdened renters | 26% | 52% | 45% |
| Burdened owners | 21% | 29% | n/a |
| Mobile homes | 10.5% | 6.4% | n/a |
Because most Fisher County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Fisher County and the counties next door
Nolan County is closest, 30 miles from center to center; the sixth, Taylor County, is 43 miles off. Kent County leads the group on income ($72,889), Nolan County trails ($50,747), and Fisher County out-earns 4 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Fisher County | - | $65,533 | $601/mo | 80% |
| Nolan County, TX | 30 mi | $50,747 | $913/mo | 68% |
| Scurry County, TX | 30 mi | $60,039 | $1,020/mo | 77% |
| Jones County, TX | 31 mi | $59,464 | $866/mo | 80% |
| Stonewall County, TX | 32 mi | $56,875 | $613/mo | 85% |
| Kent County, TX | 37 mi | $72,889 | $675/mo | 79% |
| Taylor County, TX | 43 mi | $67,139 | $1,159/mo | 61% |
Places inside Fisher County
The table lists the 4 largest of 4 Census places in Fisher County, by population. Together all 4 hold about 1,918 people, so roughly 48% of residents live outside any named place. No Fisher County place has a separate guide yet; this county page serves all 4.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Rotan | city | 1,204 | $53,289 | $604 | 9 mi |
| Roby | city | 679 | $59,758 | $593 | 1 mi |
| McCaulley | CDP | 35 | n/a | n/a | 12 mi |
| Sylvester | CDP | 0 | n/a | n/a | 9 mi |
What a median Fisher County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Fisher County household at the medians it works out like this; treat it as an illustration only.
- $65,533 a year is $5,461 of gross monthly income
- Median rent: $601, or 11 cents of every gross dollar
- With a 40% ceiling, about $1,583 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.
Who lives in Fisher County, in numbers
College graduates make up 17% of the adult population. 11.7% of residents have no health coverage.
| Indicator | Fisher County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 40.5 | 35.6 | 41.5 |
| Bachelor's or higher | 17.1% | 33.8% | 22.2% |
| No high school diploma | 8.7% | 14.0% | n/a |
| No health insurance | 11.7% | 17.1% | 7.8% |
| No vehicle | 4.3% | 5.4% | 5.4% |
| Work from home | 4.1% | 14.4% | 8.7% |
| Poverty rate | 13.7% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.7% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 45.1% |
| 15 to 29 min | 21.7% |
| 30 to 44 min | 20.0% |
| 45 to 59 min | 5.2% |
| 60+ min | 8.0% |
Borrowing situations common in Fisher County
Based on the Fisher County data above, these borrowing questions are most likely to matter locally.
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Lender oversight for Fisher County
Licensing happens at the state level, so a lender working with Fisher County borrowers answers to the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Texas state guide for the statewide picture.
Before you sign
Quick steps for Fisher County:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Fisher County?
$65,533 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 122nd of 254 in the state.
What do renters pay in Fisher County?
$601 a month at the median, about 11% of median household income.
I own my home in Fisher County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 80% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Fisher County guide cover?
Every community in the county, unincorporated areas included. The largest of its 4 Census places: Rotan, Roby, McCaulley, Sylvester.
Does living in Fisher 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 Fisher County resident as anyone. Lenders decide under fair-lending law.