1st Advantage MortgageIn Goliad County, Texas, the typical household earns $59,359 a year and the typical rent is $754. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Goliad County offer.
On this page
- Who lives in Goliad County
- Goliad County industries and commutes
- What it costs to live in Goliad County
- What stands out in Goliad County
- Household income in Goliad County
- Cities, towns and CDPs in Goliad County
- Counties near Goliad County
- What the numbers mean for Goliad County borrowers
- Room for a loan payment in Goliad County
- Age, degrees and coverage in Goliad County
- Before you sign
- Checking a lender's license in Texas
- Other Texas guides
- Frequently asked questions
Who lives in Goliad County
Roughly 7,141 residents live in Goliad County, Texas, 184th by population among the state's 254 counties and county equivalents. Goliad County spans 852 square miles; with 7,141 people, that is 8.4 per square mile. Goliad County counts toward the Victoria, TX metro in the 2023 OMB delineation, so regional figures for Victoria, TX include it. Goliad, with about 1,651 people, is the only Census place mainly inside the county. Because Goliad County is small, the survey's margins of error are wide; treat the numbers as approximate.
Goliad County industries and commutes
Top Goliad County industry by residents employed: education and health care, 30%; second, agriculture, forestry and mining, 10%. Compared with Texas, the county leans toward education and health care (30% against 22%). Averaged over the five survey years, 5.2% of the labor force was out of work and looking. 26% of Goliad County workers get to work in under 15 minutes, while 22% need 45 or more. Households without a car make up 7.6% of the total (5.4% statewide).
| Top industries | Goliad County share | +/- vs Texas |
|---|---|---|
| Education and health care | 29.9% | +8.3 pts |
| Agriculture, forestry and mining | 9.5% | +7.3 pts |
| Transportation, warehousing and utilities | 9.4% | +2.7 pts |
| Construction | 9.1% | +0.6 pts |
| Retail trade | 7.4% | -3.6 pts |
| Manufacturing | 7.4% | -1.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What it costs to live in Goliad County
Renters in Goliad County pay a median of $754 a month, 46% below the Texas figure of $1,403. Cost-burdened renters, paying 30%-plus of income: 42% in Goliad County, 52% statewide. Median value $192,500; median income $59,359; ratio 3.2. 87% of Goliad County households own their home and 13% rent. Median construction year: 1989.
| Measure | Goliad County | Texas | Gap |
|---|---|---|---|
| Owners | 87% | 63% | +24.3 pts |
| Vacant units | 21% | 9% | +11.4 pts |
| Burdened owners | 18% | 29% | -10.9 pts |
| Rent-burdened renters | 42% | 52% | -9.7 pts |
| Median gross rent | $754/mo | $1,403/mo | 46% lower |
| Median home value | $192,500 | $283,800 | 32% lower |
Because most Goliad 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.
What stands out in Goliad County
- Goliad County ranks 4th highest of 254 Texas counties for homeownership: 87%, against 63% statewide. An owner-heavy county means repairs are a common reason to borrow.
- Few Texas counties match Goliad County on households without a vehicle: 7.6% here, 5.4% for the state, ranking 28th highest of 253. Car-free households may need loans less for repairs but more for moves.
- On median gross rent, Goliad County sits near the bottom of Texas at $754/mo, 38th lowest of 249. Lower rent can leave more room for a payment.
Household income in Goliad County
$59,359 is the median household income for Goliad County, set against $78,476 for Texas.
| Band | Goliad County | Compared with Texas |
|---|---|---|
| Under $35,000 | 29.2% | +7.8 pts |
| $35,000 to $99,999 | 40.0% | +0.6 pts |
| $100,000 to $199,999 | 22.8% | -3.9 pts |
| $200,000 or more | 8.0% | -4.4 pts |
Six-figure households (31%) outnumber those under $35,000 (29%) in Goliad County. Census counts 13.0% of Goliad County residents in poverty, against 13.8% across Texas. Goliad County scores 0.521 on the Gini index, where higher means more unequal incomes. For a borrower in Goliad 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.
Cities, towns and CDPs in Goliad County
Just one Census place, Goliad, lies mainly within Goliad County; it holds about 1,651 people. From Goliad to the smallest crossroads, Goliad County residents share this guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Goliad | city | 1,651 | $42,266 | $673 | 2 mi |
Counties near Goliad County
Nearest neighbors first, measured between county centers (25 to 45 miles). Goliad County's $59,359 median trails 5 of the six and beats 1; the range runs $57,673 (Bee County) to $70,896 (Victoria County).
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Goliad County | - | $59,359 | $754/mo | 87% |
| Bee County, TX | 25 mi | $57,673 | $1,065/mo | 71% |
| Refugio County, TX | 28 mi | $60,181 | $795/mo | 77% |
| Victoria County, TX | 29 mi | $70,896 | $1,157/mo | 65% |
| DeWitt County, TX | 29 mi | $63,730 | $921/mo | 74% |
| Karnes County, TX | 31 mi | $60,214 | $957/mo | 62% |
| San Patricio County, TX | 45 mi | $69,704 | $1,291/mo | 67% |
What the numbers mean for Goliad County borrowers
Where the Goliad County numbers stand out, and why it matters for a loan:
- Hospital bills in Goliad County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Long drives. With 22% of commutes over 45 minutes, tires and repairs are fixed costs in many Goliad County budgets.
- 20% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
Room for a loan payment in Goliad County
How much room does a median Goliad County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $4,947 a month: gross income for a household at the Goliad County median
- Housing at the median rent of $754 uses 15%
- At 40%, room after rent is $1,225 a month
If your rent is above $754, the room shrinks dollar for dollar.
Age, degrees and coverage in Goliad County
21% of Goliad County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 13.4%, against 17.1% for Texas.
| People and households | Goliad County | Compared with Texas | Compared with median county |
|---|---|---|---|
| Median age | 44.6 | +9.0 yrs | +3.1 yrs |
| Bachelor's or higher | 21.4% | -12.4 pts | -0.7 pts |
| No high school diploma | 12.1% | -1.9 pts | n/a |
| No health insurance | 13.4% | -3.7 pts | +5.6 pts |
| No vehicle | 7.6% | +2.2 pts | +2.2 pts |
| Work from home | 5.7% | -8.7 pts | -3.0 pts |
| Poverty rate | 13.0% | -0.8 pts | -0.1 pts |
| Unemployment (ACS) | 5.2% | 0.0 pts | +0.8 pts |
| One-way commute | Share of Goliad County workers |
|---|---|
| Under 15 min | 26.5% |
| 15 to 29 min | 20.5% |
| 30 to 44 min | 30.6% |
| 45 to 59 min | 14.0% |
| 60+ min | 8.4% |
Before you sign
A short checklist for Goliad County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Never pay a fee up front to get a loan.
Checking a lender's license in Texas
The Texas Department of Banking is the place to verify any lender's Texas license. Texas also has the Office of Consumer Credit Commissioner for consumer credit. 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.
Other Texas guides
Next step up from Goliad County:
Frequently asked questions
Where does Goliad County rank on income in Texas?
174th of 254, with a median of $59,359. The state median is $78,476.
What do renters pay in Goliad County?
$754 a month at the median, about 15% of median household income.
Is Goliad covered?
Yes. Goliad is one of 1 Census place in Goliad County, and this guide covers all of them.
Does living in Goliad 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 Goliad County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Goliad 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.