1st Advantage MortgageMedian rent in Gregg County is $1,102 a month against a median household income of $66,550, about 20% of income (ACS 2020-24). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Texas license first.
On this page
- Gregg County in brief
- Gregg County's most unusual numbers
- How much Gregg County households make
- Renting and owning in Gregg County
- Labor force snapshot: Gregg County
- Gregg County, Upshur County and other neighbors
- Longview and the rest of Gregg County
- Before borrowing in Gregg County
- Debt-to-income at Gregg County's medians
- People and households in Gregg County
- Lender oversight for Gregg County
- Before you sign
- Related local guides
- Frequently asked questions
Gregg County in brief
Roughly 125,480 residents live in Gregg County, Texas, 37th by population among the state's 254 counties and county equivalents. It covers 273 square miles of land, or about 459 people per square mile. It is one of the counties that make up the Longview, TX metropolitan statistical area (OMB, 2023). The Census Bureau counts 11 places in the county (9 incorporated, 2 census-designated); the largest is Longview, with about 82,923 residents, or 66% of the county.
Gregg County's most unusual numbers
Out of every Texas county, Gregg County is most unusual on these measures.
- Few Texas counties match Gregg County on homeownership: 60% here, 63% for the state, ranking 21st lowest of 254. In a renter-heavy county, unsecured loans and cards are the main options.
- Population: 125,480 in Gregg County. Only 36 of 254 Texas counties are higher. A big county has more local lenders, so shopping around is easier.
- The share of commutes over 45 minutes: 9% in Gregg County. Only 38 of 253 Texas counties are lower. Short commutes keep vehicle costs down, which can free up room for savings.
How much Gregg County households make
Median household income in Gregg County: $66,550 (15% below Texas, $78,476). Only 111 Texas counties post a higher median.
| Band | Gregg County | Compared with Texas |
|---|---|---|
| Under $35,000 | 24.9% | +3.5 pts |
| $35,000 to $99,999 | 44.2% | +4.8 pts |
| $100,000 to $199,999 | 24.8% | -2.0 pts |
| $200,000 or more | 6.2% | -6.3 pts |
25% under $35,000 and 31% at $100,000 or more: that is the Gregg County income split. The poverty rate is 16.1%, 2 points higher than the state's 13.8%. Gini index for Gregg County: 0.456. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Renting and owning in Gregg County
Half of Gregg County renters pay more than $1,102 a month and half pay less; the Texas midpoint is $1,403. Cost-burdened renters, paying 30%-plus of income: 49% in Gregg County, 52% statewide. Median value $203,400; median income $66,550; ratio 3.1. 60% of Gregg County households own their home and 40% rent. Median construction year: 1980. Nationally, Gregg County's $1,102 rent is 26% above the middle county.
| Measure | Gregg County | Texas | Gap |
|---|---|---|---|
| Burdened owners | 25% | 29% | -3.8 pts |
| Median home value | $203,400 | $283,800 | 28% lower |
| Rent-burdened renters | 49% | 52% | -2.4 pts |
| Owners | 60% | 63% | -2.2 pts |
| Median gross rent | $1,102/mo | $1,403/mo | 21% lower |
Labor force snapshot: Gregg County
The biggest employer of Gregg County residents, by industry, is education and health care at 21% of workers, followed by retail trade (13%). Manufacturing stands out: 12% of workers here, versus 9% statewide. 3.6% of Gregg County's labor force reported being unemployed, averaged across 2020 to 2024. 39% of Gregg County workers get to work in under 15 minutes, while 9% need 45 or more. No car: 4.6% of Gregg County households.
| Sector | Gregg County | Compared with Texas |
|---|---|---|
| Education and health care | 21.1% | -0.5 pts |
| Retail trade | 13.1% | +2.1 pts |
| Manufacturing | 12.0% | +3.4 pts |
| Arts, lodging and food service | 9.1% | +0.7 pts |
| Professional and administrative services | 8.9% | -4.0 pts |
| Construction | 7.1% | -1.5 pts |
Self-employed in Gregg County? Two years of tax returns usually stand in for pay stubs.
Gregg County, Upshur County and other neighbors
Distances run center to center, from Upshur County at 19 miles out to Camp County at 35. Richest neighbor: Smith County, $74,192. Poorest: Marion County, $49,672. Gregg County: $66,550.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Gregg County | - | $66,550 | $1,102/mo | 60% |
| Upshur County, TX | 19 mi | $66,208 | $995/mo | 81% |
| Harrison County, TX | 26 mi | $66,103 | $974/mo | 77% |
| Rusk County, TX | 26 mi | $68,658 | $1,015/mo | 79% |
| Smith County, TX | 27 mi | $74,192 | $1,238/mo | 69% |
| Marion County, TX | 34 mi | $49,672 | $911/mo | 78% |
| Camp County, TX | 35 mi | $58,843 | $801/mo | 77% |
Longview and the rest of Gregg County
The table lists the 11 largest of 11 Census places in Gregg County, by population. Together all 11 hold about 118,367 people, so roughly 6% of residents live outside any named place. Incomes vary by place: $101,027 at the median in White Oak, $58,810 in Gladewater. Median rent ranges from $930 in Lake Cherokee to $1,263 in Lakeport. From Longview to the smallest crossroads, Gregg County residents share this guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Longview | city | 82,923 | $63,340 | $1,101 | 4 mi |
| Kilgore | city | 13,470 | $66,295 | $1,010 | 7 mi |
| White Oak | city | 6,235 | $101,027 | $1,194 | 4 mi |
| Gladewater | city | 6,227 | $58,810 | $1,060 | 9 mi |
| Lake Cherokee | CDP | 3,093 | $91,855 | $930 | 13 mi |
| Liberty City | CDP | 2,648 | $63,092 | $1,218 | 8 mi |
| Lakeport | city | 1,170 | $63,646 | $1,263 | 8 mi |
| East Mountain | city | 958 | $64,375 | $1,005 | 7 mi |
| Clarksville City | city | 883 | $66,591 | $1,188 | 6 mi |
| Easton | city | 429 | $30,833 | $950 | 15 mi |
| Warren City | city | 331 | $99,375 | $2,194 | 7 mi |
A CDP is a named community without its own municipal government.
Before borrowing in Gregg County
The county's numbers point to a few situations that come up often for Gregg County borrowers.
- Medical bills. 17% of Gregg County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Rent squeeze. 49% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Debt-to-income at Gregg County's medians
Gregg County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Gregg County: $5,546
- Less median rent of $1,102, which is 20% of it
- 43% debt-to-income limit: $1,283 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Gregg County
College graduates make up 23% of the adult population. Uninsured, Gregg County: 16.5%; Texas: 17.1%.
| Measure | Gregg County | Gap to Texas | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 22.9% | -10.9 pts | +0.8 pts |
| Work from home | 7.2% | -7.2 pts | -1.5 pts |
| Poverty rate | 16.1% | +2.3 pts | +2.9 pts |
| Unemployment (ACS) | 3.6% | -1.7 pts | -0.8 pts |
| No high school diploma | 13.2% | -0.9 pts | n/a |
| No vehicle | 4.6% | -0.8 pts | -0.8 pts |
| No health insurance | 16.5% | -0.6 pts | +8.7 pts |
| Median age | 35.9 | +0.3 yrs | -5.6 yrs |
| One-way commute | Share of Gregg County workers |
|---|---|
| Under 15 min | 39.5% |
| 15 to 29 min | 39.2% |
| 30 to 44 min | 12.4% |
| 45 to 59 min | 2.9% |
| 60+ min | 6.1% |
Lender oversight for Gregg County
Gregg County borrowers fall under statewide rules, enforced by the Texas Department of Banking. For consumer-credit complaints, Texas residents can also contact the Office of Consumer Credit Commissioner. A CFPB complaint gets forwarded to the company for a response. The Texas page has statewide figures to set beside Gregg County's.
Before you sign
Steps that save money for Gregg County residents:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Gregg County-area credit union.
- Only work with lenders licensed for Texas borrowers.
- Pick the shortest term whose payment still fits.
Related local guides
No city in Gregg County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Gregg County earn?
The median is $66,550; 31% earn $100,000 or more and 25% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Gregg County?
$1,102 a month at the median, about 20% of median household income.
Is Warren City covered?
Yes. Warren City is one of 11 Census places in Gregg County, and this guide covers all of them.
Does living in Gregg 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 Gregg County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Gregg 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.