1st Advantage MortgageHopkins County households have a median income of $70,888 and median rent of $1,109 a month (ACS 2020 to 2024). 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
- Getting oriented in Hopkins County
- What Hopkins County households earn
- Work, industries and travel time in Hopkins County
- Hopkins County housing compared with Texas
- Hopkins County towns compared
- Hopkins County and the counties next door
- Hopkins County households compared
- Local borrowing considerations for Hopkins County
- Budget math at the Hopkins County median
- Licensing and complaints for Hopkins County
- Checklist for Hopkins County applicants
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Hopkins County
Hopkins County is home to about 37,784 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 83rd most populous of 254 county-level areas in Texas. Spread over 767 square miles, that works out to roughly 49.2 residents per square mile. Under the July 2023 OMB definitions, Hopkins County is not part of any metropolitan area. Of the 4 Census places inside Hopkins County, Sulphur Springs leads by population with about 16,401; 4 of the 4 are incorporated.
What Hopkins County households earn
The median household income in Hopkins County is $70,888; statewide it is $78,476, so Hopkins County runs 10% below Texas as a whole.
| Household income | Hopkins County | vs Texas |
|---|---|---|
| Under $35,000 | 24.4% | +3.0 pts |
| $35,000 to $99,999 | 43.5% | +4.1 pts |
| $100,000 to $199,999 | 25.3% | -1.4 pts |
| $200,000 or more | 6.8% | -5.6 pts |
Some 24% of households here live on less than $35,000 a year; 32% have six-figure incomes. The poverty rate is 11.9%, 2 points lower than the state's 13.8%. The Gini index of income inequality is 0.469 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Hopkins County
Education and health care employs 20% of working residents, the largest share; manufacturing is next with 14%. The sharpest difference from the state is in manufacturing, at 14% locally and 9% for Texas. Averaged over the five survey years, 4.0% of the labor force was out of work and looking. Long commutes are the exception here: 14% of workers spend 45 minutes or longer getting to work. Only 3.6% of homes here go without a vehicle.
| Where residents work | Hopkins County | Difference from Texas |
|---|---|---|
| Education and health care | 20.2% | -1.4 pts |
| Manufacturing | 13.9% | +5.4 pts |
| Retail trade | 11.6% | +0.6 pts |
| Construction | 10.0% | +1.4 pts |
| Professional and administrative services | 8.2% | -4.7 pts |
| Other services | 7.6% | +2.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Hopkins County housing compared with Texas
Median gross rent, utilities included, comes to $1,109 in Hopkins County versus $1,403 statewide. Rent takes 30% or more of income for 45% of renter households here. The median owner-occupied home is valued at $221,100, about 3.1 times the median household income. The ownership rate is 71%.
| Home costs | Hopkins County | Texas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,109/mo | $1,403/mo | $877/mo |
| Median home value | $221,100 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 45% | 52% | 45% |
| Burdened owners | 32% | 29% | n/a |
Hopkins County towns compared
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 48% of Hopkins County residents live in one of the 4. Among places of 500 or more people, median income runs from $57,500 in Como to $62,397 in Sulphur Springs. Live in one of these Hopkins County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Sulphur Springs | city | 16,401 | $62,397 | $1,106 | 3 mi |
| Cumby | city | 720 | $58,846 | $1,063 | 16 mi |
| Como | town | 616 | $57,500 | $955 | 8 mi |
| Tira | town | 418 | $76,071 | $838 | 13 mi |
Hopkins County and the counties next door
Six nearby counties, 18 to 35 miles away by the straight-line distance between their centers. Franklin County leads the group on income ($72,360), Titus County trails ($58,425), and Hopkins County out-earns 4 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Hopkins County | - | $70,888 | $1,109/mo | 71% |
| Delta County, TX | 18 mi | $66,575 | $945/mo | 83% |
| Franklin County, TX | 20 mi | $72,360 | $936/mo | 82% |
| Rains County, TX | 23 mi | $65,413 | $989/mo | 83% |
| Wood County, TX | 27 mi | $60,300 | $862/mo | 80% |
| Hunt County, TX | 30 mi | $71,938 | $1,222/mo | 71% |
| Titus County, TX | 35 mi | $58,425 | $907/mo | 71% |
Hopkins County households compared
College graduates make up 22% of the adult population. The uninsured rate is 18.7%, against 17.1% for Texas.
| Indicator | Hopkins County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 39.5 | 35.6 | 41.5 |
| Bachelor's or higher | 21.9% | 33.8% | 22.2% |
| No high school diploma | 14.7% | 14.0% | n/a |
| No health insurance | 18.7% | 17.1% | 7.8% |
| No vehicle | 3.6% | 5.4% | 5.4% |
| Work from home | 7.2% | 14.4% | 8.7% |
| Poverty rate | 11.9% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.0% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 43.1% |
| 15 to 29 min | 30.5% |
| 30 to 44 min | 12.4% |
| 45 to 59 min | 5.6% |
| 60+ min | 8.4% |
Local borrowing considerations for Hopkins County
The county's numbers point to a few situations that come up often for Hopkins County borrowers.
- Medical bills. 19% of Hopkins County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Repairs on manufactured housing. With 13% of homes here, compare a personal loan with any dealer or park repair program.
- Consolidating cards in Hopkins County. Compare the total repaid, not the monthly figure (how).
Budget math at the Hopkins County median
How much room does a median Hopkins County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,907 before taxes
- Median rent: $1,109, or 19 cents of every gross dollar
- With a 36% ceiling, about $1,018 remains for car, card, student and any new loan payments
- At 43%, room after rent is $1,431 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Licensing and complaints for Hopkins County
No county office licenses personal lenders. For Hopkins 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.
Checklist for Hopkins County applicants
Quick steps for Hopkins County:
- Price the Hopkins County expense first and borrow that amount, no more.
- Shop at least three lenders, including one Hopkins County-area credit union.
- Verify the Texas license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
How much do households in Hopkins County earn?
The median is $70,888; 32% earn $100,000 or more and 24% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Hopkins County?
$1,109 a month at the median, about 19% of median household income.
I live in a small Hopkins County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Sulphur Springs, Cumby, Como, Tira.
Does living in Hopkins 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 Hopkins County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Hopkins 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.