1st Advantage MortgageHardeman County households have a median income of $63,333 and median rent of $684 a month (ACS 2020 to 2024). 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
- Hardeman County by the numbers
- Work, industries and travel time in Hardeman County
- Income in Hardeman County compared with Texas
- What it costs to live in Hardeman County
- Neighboring counties at a glance
- The communities that make up Hardeman County
- What a median Hardeman County budget can carry
- Local borrowing considerations for Hardeman County
- People and households in Hardeman County
- Steps before you apply in Hardeman County
- Checking a lender's license in Texas
- Related local guides
- Frequently asked questions
Hardeman County by the numbers
With an estimated 3,501 residents (ACS 2020 to 2024), Hardeman County ranks 210th of 254 in Texas for population. Spread over 695 square miles, that works out to roughly 5.0 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Quanah is the biggest of its 2 Census places, at roughly 2,109 people (60% of the county total). Small populations mean wide margins of error, so read every Hardeman County figure on this page as a rough guide.
Work, industries and travel time in Hardeman County
The biggest employer of Hardeman County residents, by industry, is education and health care at 27% of workers, followed by retail trade (18%). The sharpest difference from the state is in agriculture, forestry and mining, at 9% locally and 2% for Texas. The survey's unemployment rate for Hardeman County averages 2.4% over 2020 to 2024 (state: 5.3%). 4% of commuters travel 45 minutes or more each way, and 8% work from home. Households without a car make up 2.0% of the total (5.4% statewide).
| Sector | Hardeman County | Compared with Texas |
|---|---|---|
| Education and health care | 26.9% | +5.3 pts |
| Retail trade | 17.9% | +6.9 pts |
| Manufacturing | 11.1% | +2.5 pts |
| Transportation, warehousing and utilities | 10.4% | +3.6 pts |
| Agriculture, forestry and mining | 9.4% | +7.1 pts |
| Arts, lodging and food service | 8.3% | -0.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Income in Hardeman County compared with Texas
At $63,333, the typical Hardeman County household income is 4% below the median U.S. county ($65,681). That places it 136th among Texas's 254 county-level areas.
| Households earning | Hardeman County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 26.5% | +5.1 pts |
| $35,000 to $99,999 | 44.9% | +5.5 pts |
| $100,000 to $199,999 | 25.9% | -0.8 pts |
| $200,000 or more | 2.7% | -9.8 pts |
The spread is wide: 29% of Hardeman County households make $100,000 or more, and 27% make less than $35,000. Census counts 10.7% of Hardeman County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.427 here. None of these numbers decides a Hardeman County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Hardeman County
A typical Hardeman County rental runs $684 a month including utilities, which is 51% below Texas. By the Census definition, 40% of Hardeman County renters are cost-burdened. The median owner-occupied home is valued at $81,900, about 1.3 times the median household income. Owners occupy 74% of homes. The median home was built in 1961, so roofs, wiring and heating systems are a common source of repair bills.
| Hardeman County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $684/mo | $1,403/mo | $877/mo |
| Median home value | $81,900 | $283,800 | $185,300 |
| Owners | 74% | 63% | 75% |
| Rent-burdened renters | 40% | 52% | 45% |
| Burdened owners | 14% | 29% | n/a |
| Mobile homes | 11.1% | 6.4% | n/a |
| Vacant units | 32% | 9% | n/a |
Because most Hardeman 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.
Neighboring counties at a glance
Distances run center to center, from Foard County at 23 miles out to Cottle County at 33. Income ranges from $43,333 in Harmon County to $62,799 in Jackson County; none of these neighbors top Hardeman County's median. The list crosses into Oklahoma, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Hardeman County | - | $63,333 | $684/mo | 74% |
| Foard County, TX | 23 mi | $61,563 | $572/mo | 76% |
| Jackson County, OK | 28 mi | $62,799 | $842/mo | 59% |
| Childress County, TX | 31 mi | $58,654 | $913/mo | 71% |
| Harmon County, OK | 32 mi | $43,333 | $694/mo | 70% |
| Wilbarger County, TX | 32 mi | $54,102 | $932/mo | 67% |
| Cottle County, TX | 33 mi | $59,063 | $264/mo | 83% |
The communities that make up Hardeman County
2 Census places fall mainly inside Hardeman County; the 2 biggest are below. They account for 2,588 residents, leaving about 26% of the county in unincorporated, unnamed areas. None of the 2 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Quanah | city | 2,109 | $51,161 | $666 | 0 mi |
| Chillicothe | city | 479 | $59,000 | $844 | 13 mi |
What a median Hardeman County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Hardeman County household at the medians it works out like this; treat it as an illustration only.
- $5,278 a month: gross income for a household at the Hardeman County median
- Housing at the median rent of $684 uses 13%
- 36% debt-to-income limit: $1,216 left for all other debt payments
Two-income households and single earners in Hardeman County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Hardeman County
What the Hardeman County figures suggest, and what to check first:
- Medical bills. 16% of Hardeman County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
People and households in Hardeman County
Degree holders: 17% of adults over 25. The uninsured rate is 15.6%, against 17.1% for Texas.
| Hardeman County | Texas | U.S. county median | |
|---|---|---|---|
| Median age | 44.4 | 35.6 | 41.5 |
| Bachelor's or higher | 16.8% | 33.8% | 22.2% |
| No high school diploma | 13.3% | 14.0% | n/a |
| No health insurance | 15.6% | 17.1% | 7.8% |
| No vehicle | 2.0% | 5.4% | 5.4% |
| Work from home | 7.9% | 14.4% | 8.7% |
| Poverty rate | 10.7% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.4% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 56.3% |
| 15 to 29 min | 26.9% |
| 30 to 44 min | 12.5% |
| 45 to 59 min | 2.3% |
| 60+ min | 2.0% |
Steps before you apply in Hardeman County
Quick steps for Hardeman County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Ask a Hardeman County credit union about member loans.
Checking a lender's license in Texas
Consumer lenders serving Hardeman County are licensed by the state, not the county; in Texas that is 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. The Texas guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
How much do households in Hardeman County earn?
The median is $63,333; 29% earn $100,000 or more and 27% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Hardeman County?
$684 a month at the median, about 13% of median household income.
Does this page cover Quanah?
Yes, along with the other 1 Census place in Hardeman County, such as Chillicothe.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Hardeman County or elsewhere in Texas, the same rules apply.
Is there a Hardeman County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.