1st Advantage MortgageIn Hemphill County, Texas, the typical household earns $61,563 a year and the typical rent is $836. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Hemphill County, TX: the basics
- Income in Hemphill County compared with Texas
- Hemphill County housing compared with Texas
- How Hemphill County residents earn a living
- Neighboring counties at a glance
- Cities, towns and CDPs in Hemphill County
- Room for a loan payment in Hemphill County
- More Hemphill County figures
- Borrowing situations common in Hemphill County
- Texas rules that apply in Hemphill County
- Checklist for Hemphill County applicants
- More guides for Hemphill County
- Frequently asked questions
Hemphill County, TX: the basics
With an estimated 3,234 residents (ACS 2020 to 2024), Hemphill County ranks 218th of 254 in Texas for population. Spread over 906 square miles, that works out to roughly 3.6 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Canadian is the biggest of its 2 Census places, at roughly 2,241 people (69% of the county total). Because Hemphill County is small, the survey's margins of error are wide; treat the numbers as approximate.
Income in Hemphill County compared with Texas
The median household income in Hemphill County is $61,563; statewide it is $78,476, so Hemphill County runs 22% below Texas as a whole. Only 147 Texas counties post a higher median.
| Yearly household income | Hemphill County | Gap to Texas |
|---|---|---|
| Under $35,000 | 30.8% | +9.4 pts |
| $35,000 to $99,999 | 35.0% | -4.4 pts |
| $100,000 to $199,999 | 29.3% | +2.5 pts |
| $200,000 or more | 4.9% | -7.5 pts |
About 31% of households earn under $35,000, while 34% clear $100,000. 6.2% of residents fall below the federal poverty line (statewide: 13.8%). Income inequality, measured by the Gini index, comes to 0.415 here. A household earning below the $61,563 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Hemphill County housing compared with Texas
Renters in Hemphill County pay a median of $836 a month, 40% below the Texas figure of $1,403. Rent takes 30% or more of income for 48% of renter households here. With a median value of $205,700, a typical Hemphill County house costs 3.3 times what the median household earns in a year. The ownership rate is 71%.
| Hemphill County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $836/mo | $1,403/mo | $877/mo |
| Median home value | $205,700 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 30% | 29% | n/a |
| Vacant units | 16% | 9% | n/a |
How Hemphill County residents earn a living
By the Census industry count, 26% of employed Hemphill County residents work in agriculture, forestry and mining and 21% in education and health care. Compared with Texas, the county leans toward agriculture, forestry and mining (26% against 2%). The survey's unemployment rate for Hemphill County averages 5.9% over 2020 to 2024 (state: 5.3%). Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work.
| Sector | Hemphill County | Compared with Texas |
|---|---|---|
| Agriculture, forestry and mining | 26.3% | +24.0 pts |
| Education and health care | 21.3% | -0.3 pts |
| Construction | 15.2% | +6.7 pts |
| Retail trade | 6.2% | -4.8 pts |
| Other services | 6.0% | +1.1 pts |
| Manufacturing | 6.0% | -2.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Hemphill County should have bank statements and tax returns ready.
Neighboring counties at a glance
Distances run center to center, from Wheeler County at 29 miles out to Gray County at 41. 3 of the six report a higher median household income than Hemphill County; Lipscomb County is highest at $72,560 and Gray County lowest at $59,614. Some neighbors are in Oklahoma. Lender licensing is state by state, so a loan for a Hemphill County resident follows Texas rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Hemphill County | - | $61,563 | $836/mo | 71% |
| Wheeler County, TX | 29 mi | $60,167 | $970/mo | 76% |
| Roger Mills County, OK | 31 mi | $66,094 | $795/mo | 83% |
| Roberts County, TX | 31 mi | $67,868 | $859/mo | 85% |
| Lipscomb County, TX | 32 mi | $72,560 | $876/mo | 82% |
| Ellis County, OK | 41 mi | $61,016 | $815/mo | 82% |
| Gray County, TX | 41 mi | $59,614 | $933/mo | 76% |
Cities, towns and CDPs in Hemphill County
The table lists the 2 largest of 2 Census places in Hemphill County, by population. Together all 2 hold about 2,289 people, so roughly 29% of residents live outside any named place. None of the 2 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Canadian | city | 2,241 | $58,811 | $805 | 9 mi |
| Glazier | CDP | 48 | n/a | n/a | 14 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Room for a loan payment in Hemphill County
The debt-to-income ratio is the main affordability test lenders use. Applied to Hemphill County's medians:
- Start: $5,130 gross per month ($61,563 / 12)
- Less median rent of $836, which is 16% of it
- 40% debt-to-income limit: $1,216 left for all other debt payments
Two-income households and single earners in Hemphill County land in very different places on this math, so run it for your own budget.
More Hemphill County figures
22% of Hemphill County adults 25 and older hold a bachelor's degree or more. About 18% go without health insurance.
| People and households | Hemphill County | Texas | Median county |
|---|---|---|---|
| Median age | 45.1 | 35.6 | 41.5 |
| Bachelor's or higher | 21.9% | 33.8% | 22.2% |
| No high school diploma | 19.3% | 14.0% | n/a |
| No health insurance | 18.4% | 17.1% | 7.8% |
| No vehicle | 6.3% | 5.4% | 5.4% |
| Work from home | 5.2% | 14.4% | 8.7% |
| Poverty rate | 6.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.9% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 72.2% |
| 15 to 29 min | 6.6% |
| 30 to 44 min | 4.1% |
| 45 to 59 min | 9.2% |
| 60+ min | 8.0% |
Borrowing situations common in Hemphill County
Based on the Hemphill County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 18% of Hemphill County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Mobile home upkeep. 13% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Fixed incomes. Hemphill County's median age is 45.1. Social Security and pensions count as income when documented.
- Tight rental budgets. With 48% of Hemphill County renters cost-burdened, test a new payment against a lean month.
Texas rules that apply in Hemphill County
Before sharing details with a lender, a Hemphill County resident can confirm its license with the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. The Consumer Financial Protection Bureau accepts complaints nationwide. The Texas guide covers state rules in more detail.
Checklist for Hemphill County applicants
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Prequalify with soft pulls where offered, then compare in writing.
- A Texas license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Hemphill County
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Hemphill County a high-income county?
Its $61,563 median ranks 148th of 254 Texas counties and compares with $65,681 for the median U.S. county.
What do renters pay in Hemphill County?
$836 a month at the median, about 16% of median household income.
Does this page cover Canadian?
Yes, along with the other 1 Census place in Hemphill County, such as Glazier.
Can Hemphill 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 Hemphill 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.