1st Advantage MortgageIn Guadalupe County, Texas, the typical household earns $92,375 a year and the typical rent is $1,517. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Texas before sharing details.
On this page
- Guadalupe County by the numbers
- What Guadalupe County households earn
- The Guadalupe County job picture
- Renting and owning in Guadalupe County
- Guadalupe County next to its neighbors
- Towns and communities in Guadalupe County
- Room for a loan payment in Guadalupe County
- What the numbers mean for Guadalupe County borrowers
- People and households in Guadalupe County
- Four steps for Guadalupe County borrowers
- Lender oversight for Guadalupe County
- Related local guides
- Frequently asked questions
Guadalupe County by the numbers
Guadalupe County is home to about 183,642 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 28th most populous of 254 county-level areas in Texas. Packed into 711 square miles, that is close to 258 residents for every square mile of land. It is one of the counties that make up the San Antonio-New Braunfels, TX metropolitan statistical area (OMB, 2023). Schertz is the biggest of its 13 Census places, at roughly 44,050 people (24% of the county total).
What Guadalupe County households earn
Guadalupe County households have a median income of $92,375 (ACS 2020 to 2024), which ranks 20th of 254 in Texas.
| Band | Guadalupe County | Compared with Texas |
|---|---|---|
| Under $35,000 | 15.7% | -5.7 pts |
| $35,000 to $99,999 | 37.9% | -1.5 pts |
| $100,000 to $199,999 | 35.3% | +8.6 pts |
| $200,000 or more | 11.1% | -1.4 pts |
The spread is wide: 46% of Guadalupe County households make $100,000 or more, and 16% make less than $35,000. Census counts 9.3% of Guadalupe County residents in poverty, against 13.8% across Texas. The Gini index of income inequality is 0.402 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Guadalupe County median.
The Guadalupe County job picture
The biggest employer of Guadalupe County residents, by industry, is education and health care at 20% of workers, followed by retail trade (13%). Public administration stands out: 8% of workers here, versus 4% statewide. The survey's unemployment rate for Guadalupe County averages 4.8% over 2020 to 2024 (state: 5.3%). 22% of commuters travel 45 minutes or more each way, and 14% work from home.
| Industry | Share of Guadalupe County workers | vs Texas |
|---|---|---|
| Education and health care | 19.9% | -1.7 pts |
| Retail trade | 12.6% | +1.6 pts |
| Manufacturing | 10.9% | +2.3 pts |
| Professional and administrative services | 10.0% | -2.9 pts |
| Arts, lodging and food service | 8.8% | +0.4 pts |
| Construction | 8.2% | -0.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Renting and owning in Guadalupe County
A typical Guadalupe County rental runs $1,517 a month including utilities, which is 8% above Texas. 47% of renting households spend 30% or more of income on rent, and 18% spend half or more. Home values center on $304,400, or 3.3 years of median income. 78% of Guadalupe County households own their home and 22% rent.
| Cost | Guadalupe County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,517/mo | $1,403/mo | $877/mo |
| Median home value | $304,400 | $283,800 | $185,300 |
| Owners | 78% | 63% | 75% |
| Rent-burdened renters | 47% | 52% | 45% |
| Burdened owners | 25% | 29% | n/a |
| Mobile homes | 12.7% | 6.4% | n/a |
Because most Guadalupe 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.
Guadalupe County next to its neighbors
The six counties whose centers lie closest to Guadalupe County's, from 24 to 36 miles away. Comal County leads the group on income ($101,889), Gonzales County trails ($58,672), and Guadalupe County out-earns 4 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Guadalupe County | - | $92,375 | $1,517/mo | 78% |
| Comal County, TX | 24 mi | $101,889 | $1,603/mo | 77% |
| Caldwell County, TX | 26 mi | $69,758 | $1,173/mo | 75% |
| Gonzales County, TX | 29 mi | $58,672 | $840/mo | 66% |
| Wilson County, TX | 29 mi | $94,565 | $1,069/mo | 85% |
| Hays County, TX | 33 mi | $89,097 | $1,495/mo | 64% |
| Bexar County, TX | 36 mi | $72,341 | $1,354/mo | 59% |
Towns and communities in Guadalupe County
Here are the 13 most populous of the county's 13 Census places, with income and rent from the same 2020 to 2024 survey. About 68% of Guadalupe County residents live in one of the 13. Incomes vary by place: $122,365 at the median in Cibolo, $62,788 in Marion. Rent is cheapest in Seguin ($1,187) and steepest in Cibolo ($2,112). This guide covers each of the 13 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Schertz | city | 44,050 | $99,948 | $1,659 | 18 mi |
| Cibolo | city | 35,109 | $122,365 | $2,112 | 16 mi |
| Seguin | city | 33,754 | $64,861 | $1,187 | 1 mi |
| Redwood | CDP | 3,441 | $88,693 | $1,302 | 16 mi |
| McQueeney | CDP | 2,392 | $97,739 | n/a | 6 mi |
| Geronimo | CDP | 1,507 | $72,045 | $1,412 | 6 mi |
| Lake Dunlap | CDP | 1,411 | $78,641 | n/a | 10 mi |
| Marion | city | 939 | $62,788 | $1,296 | 12 mi |
| New Berlin | city | 633 | $110,000 | $1,365 | 12 mi |
| Santa Clara | city | 602 | $81,607 | n/a | 13 mi |
| Zuehl | CDP | 401 | n/a | n/a | 13 mi |
| Staples | city | 288 | $80,833 | $1,271 | 14 mi |
| Kingsbury | city | 248 | $74,125 | $1,347 | 9 mi |
Room for a loan payment in Guadalupe County
Here is the Guadalupe County median household run through a simple DTI check. Your numbers will differ.
- $92,375 a year is $7,698 of gross monthly income
- Rent at the median, $1,517, takes 20% of that
- With a 35% ceiling, about $1,177 remains for car, card, student and any new loan payments
- $1,947: what a 45% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Guadalupe County's.
What the numbers mean for Guadalupe County borrowers
A few patterns in the Guadalupe County data, and the practical point behind each:
- Hospital bills in Guadalupe County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Vehicle repairs. 22% of Guadalupe County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Manufactured homes. 13% of Guadalupe County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Strong incomes, long terms. 46% of Guadalupe County households earn $100,000+. The risk is a term that outlasts the need.
People and households in Guadalupe County
31% of Guadalupe County adults 25 and older hold a bachelor's degree or more. 11.0% of residents have no health coverage.
| People and households | Guadalupe County | Texas | Median county |
|---|---|---|---|
| Median age | 37.6 | 35.6 | 41.5 |
| Bachelor's or higher | 31.4% | 33.8% | 22.2% |
| No high school diploma | 10.1% | 14.0% | n/a |
| No health insurance | 11.0% | 17.1% | 7.8% |
| No vehicle | 3.2% | 5.4% | 5.4% |
| Work from home | 14.3% | 14.4% | 8.7% |
| Poverty rate | 9.3% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.8% | 5.3% | 4.4% |
| Minutes to work | Guadalupe County workers |
|---|---|
| Under 15 min | 21.6% |
| 15 to 29 min | 34.5% |
| 30 to 44 min | 21.7% |
| 45 to 59 min | 11.8% |
| 60+ min | 10.5% |
Four steps for Guadalupe County borrowers
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Guadalupe County.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Texas borrowers.
- Pick the shortest term whose payment still fits.
Lender oversight for Guadalupe County
No county office licenses personal lenders. For Guadalupe County, check the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Texas guide.
Related local guides
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Guadalupe County?
$92,375 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 20th of 254 in the state.
What do renters pay in Guadalupe County?
$1,517 a month at the median, about 20% of median household income.
Should Guadalupe County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Guadalupe County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Guadalupe County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Schertz, Cibolo, Seguin, Redwood, McQueeney and 8 more.
Are Guadalupe County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.