1st Advantage MortgageThe median Hansford County household earns $69,441, and 9% of residents live below the poverty line. 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
- Getting oriented in Hansford County
- Renting and owning in Hansford County
- Paychecks and income spread in Hansford County
- The Hansford County job picture
- Regional comparison for Hansford County
- The communities that make up Hansford County
- A Hansford County household budget, worked through
- Before borrowing in Hansford County
- Hansford County residents: age, schooling, coverage
- Steps before you apply in Hansford County
- Checking a lender's license in Texas
- More guides for Hansford County
- Frequently asked questions
Getting oriented in Hansford County
Roughly 5,119 residents live in Hansford County, Texas, 200th by population among the state's 254 counties and county equivalents. Land area is 920 square miles (2024 Gazetteer), so density runs near 6 per square mile. Under the July 2023 OMB definitions, Hansford County is not part of any metropolitan area. The Census Bureau counts 3 places in the county (2 incorporated, 1 census-designated); the largest is Spearman, with about 2,810 residents, or 55% of the county. With so few households sampled, Hansford County estimates can move a lot between releases.
Renting and owning in Hansford County
Renters in Hansford County pay a median of $939 a month, 33% below the Texas figure of $1,403. 45% of renting households spend 30% or more of income on rent, and 27% spend half or more. The median owner-occupied home is valued at $124,800, about 1.8 times the median household income. 81% of Hansford County households own their home and 19% rent. Median construction year: 1970.
| Cost | Hansford County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $939/mo | $1,403/mo | $877/mo |
| Median home value | $124,800 | $283,800 | $185,300 |
| Owners | 81% | 63% | 75% |
| Rent-burdened renters | 45% | 52% | 45% |
| Burdened owners | 36% | 29% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Paychecks and income spread in Hansford County
Half of Hansford County households take in less than $69,441 a year and half take in more, 12% below the Texas median of $78,476.
| Households earning | Hansford County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 22.3% | +0.9 pts |
| $35,000 to $99,999 | 45.1% | +5.7 pts |
| $100,000 to $199,999 | 25.1% | -1.7 pts |
| $200,000 or more | 7.5% | -4.9 pts |
About 22% of households earn under $35,000, while 33% clear $100,000. 8.6% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.461 (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 Hansford County median.
The Hansford County job picture
The biggest employer of Hansford County residents, by industry, is education and health care at 20% of workers, followed by agriculture, forestry and mining (18%). Compared with Texas, the county leans toward agriculture, forestry and mining (18% against 2%). ACS puts five-year average unemployment at 6.2% in Hansford County. 11% of commuters travel 45 minutes or more each way, and 2% work from home. Households without a car make up 5.2% of the total (5.4% statewide).
| Industry (employed residents 16+) | Hansford County | Gap to Texas |
|---|---|---|
| Education and health care | 20.3% | -1.3 pts |
| Agriculture, forestry and mining | 17.6% | +15.3 pts |
| Retail trade | 12.5% | +1.5 pts |
| Professional and administrative services | 9.0% | -3.9 pts |
| Other services | 8.4% | +3.6 pts |
| Manufacturing | 6.5% | -2.1 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Regional comparison for Hansford County
Distances run center to center, from Hutchinson County at 30 miles out to Moore County at 42. Income ranges from $60,069 in Texas County to $70,183 in Ochiltree County; 1 of these neighbors top Hansford County's median. Some neighbors are in Oklahoma. Lender licensing is state by state, so a loan for a Hansford County resident follows Texas rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Hansford County | - | $69,441 | $939/mo | 81% |
| Hutchinson County, TX | 30 mi | $67,228 | $932/mo | 83% |
| Ochiltree County, TX | 30 mi | $70,183 | $891/mo | 73% |
| Sherman County, TX | 30 mi | $61,250 | $835/mo | 76% |
| Texas County, OK | 33 mi | $60,069 | $873/mo | 66% |
| Roberts County, TX | 42 mi | $67,868 | $859/mo | 85% |
| Moore County, TX | 42 mi | $61,762 | $939/mo | 62% |
The communities that make up Hansford County
The table lists the 3 largest of 3 Census places in Hansford County, by population. Together all 3 hold about 4,463 people, so roughly 13% of residents live outside any named place. No Hansford County place has a separate guide yet; this county page serves all 3.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Spearman | city | 2,810 | $68,617 | $1,125 | 10 mi |
| Gruver | city | 1,280 | $72,857 | $918 | 3 mi |
| Morse | CDP | 373 | $62,596 | $620 | 16 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
A Hansford County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Hansford County household at the medians it works out like this; treat it as an illustration only.
- $69,441 a year is $5,787 of gross monthly income
- Median rent: $939, or 16 cents of every gross dollar
- 36% debt-to-income limit: $1,144 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Hansford County's.
Before borrowing in Hansford County
The county's numbers point to a few situations that come up often for Hansford County borrowers.
- Uninsured care. 21% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Advance-fee offers. No legitimate lender asks a Hansford County borrower to pay first (scam signs).
Hansford County residents: age, schooling, coverage
Degree holders: 36% of adults over 25. 21.3% of residents have no health coverage.
| People and households | Hansford County | Texas | Median county |
|---|---|---|---|
| Median age | 35.4 | 35.6 | 41.5 |
| Bachelor's or higher | 36.4% | 33.8% | 22.2% |
| No high school diploma | 22.1% | 14.0% | n/a |
| No health insurance | 21.3% | 17.1% | 7.8% |
| No vehicle | 5.2% | 5.4% | 5.4% |
| Work from home | 1.8% | 14.4% | 8.7% |
| Poverty rate | 8.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 6.2% | 5.3% | 4.4% |
| One-way commute | Share of Hansford County workers |
|---|---|
| Under 15 min | 59.4% |
| 15 to 29 min | 14.3% |
| 30 to 44 min | 15.2% |
| 45 to 59 min | 3.0% |
| 60+ min | 8.0% |
Steps before you apply in Hansford County
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Hansford County-area credit union.
- Look the lender up with the state regulator first.
- Keep a small cushion so one surprise bill does not mean another loan.
Checking a lender's license in Texas
No county office licenses personal lenders. For Hansford County, check the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. A CFPB complaint gets forwarded to the company for a response. See the Texas state guide for the statewide picture.
More guides for Hansford County
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Hansford County a high-income county?
Its $69,441 median ranks 92nd of 254 Texas counties and compares with $65,681 for the median U.S. county.
How much is rent in Hansford County?
Median gross rent, utilities included, is $939 a month; 45% of renters spend 30% or more of income on it.
What are the biggest places in Hansford County?
By population: Spearman, Gruver, Morse. The county has 3 Census places in all.
Can Hansford County residents use the questionnaire?
Yes. It asks the same questions in every Texas county, lists every requirement up front and does not affect your credit score.
Where can someone in Hansford 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.