1st Advantage MortgageHunt County households have a median income of $71,938 and median rent of $1,222 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
- A quick profile of Hunt County
- What Hunt County households earn
- Employment and commuting in Hunt County
- Hunt County housing compared with Texas
- Cities, towns and CDPs in Hunt County
- How Hunt County compares with nearby counties
- Hunt County households compared
- What the numbers mean for Hunt County borrowers
- A Hunt County household budget, worked through
- A Hunt County borrower's checklist
- Lender oversight for Hunt County
- Related local guides
- Frequently asked questions
A quick profile of Hunt County
Roughly 108,972 residents live in Hunt County, Texas, 41st by population among the state's 254 counties and county equivalents. Land area is 840 square miles (2024 Gazetteer), so density runs near 130 per square mile. The federal metro definitions (OMB, July 2023) place it in the Dallas-Fort Worth-Arlington, TX metropolitan area. Greenville is the biggest of its 13 Census places, at roughly 31,222 people (29% of the county total).
What Hunt County households earn
The median household income in Hunt County is $71,938; statewide it is $78,476, so Hunt County runs 8% below Texas as a whole. That places it 73rd among Texas's 254 county-level areas.
| Yearly household income | Hunt County | Gap to Texas |
|---|---|---|
| Under $35,000 | 21.3% | -0.1 pts |
| $35,000 to $99,999 | 45.1% | +5.7 pts |
| $100,000 to $199,999 | 26.3% | -0.4 pts |
| $200,000 or more | 7.3% | -5.1 pts |
The spread is wide: 34% of Hunt County households make $100,000 or more, and 21% make less than $35,000. The poverty rate is 11.8%, 2 points lower than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.423 here. For a borrower in Hunt County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Employment and commuting in Hunt County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 12%. Compared with Texas, the county leans toward manufacturing (12% against 9%). ACS puts five-year average unemployment at 5.9% in Hunt County. About 76% drive to work alone and 28% have trips of 45 minutes or more. 3.7% of households have no vehicle.
| Industry (employed residents 16+) | Hunt County | Gap to Texas |
|---|---|---|
| Education and health care | 22.4% | +0.8 pts |
| Manufacturing | 11.5% | +3.0 pts |
| Retail trade | 11.5% | +0.5 pts |
| Professional and administrative services | 11.1% | -1.8 pts |
| Construction | 9.6% | +1.1 pts |
| Arts, lodging and food service | 7.6% | -0.9 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Hunt County should have bank statements and tax returns ready.
Hunt County housing compared with Texas
Renters in Hunt County pay a median of $1,222 a month, 13% below the Texas figure of $1,403. By the Census definition, 50% of Hunt County renters are cost-burdened. The median owner-occupied home is valued at $241,700, about 3.4 times the median household income. Owners occupy 71% of homes. The median year built is 1990.
| Cost | Hunt County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,222/mo | $1,403/mo | $877/mo |
| Median home value | $241,700 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 50% | 52% | 45% |
| Burdened owners | 36% | 29% | n/a |
Cities, towns and CDPs in Hunt County
13 Census places fall mainly inside Hunt County; the 13 biggest are below. They account for 58,775 residents, leaving about 46% of the county in unincorporated, unnamed areas. Caddo Mills has the highest median household income on the list ($107,067) and Commerce the lowest ($44,386), counting places with at least 500 residents. Median rent ranges from $798 in Wolfe City to $1,900 in Hawk Cove. None of the 13 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Greenville | city | 31,222 | $62,781 | $1,311 | 2 mi |
| Commerce | city | 9,383 | $44,386 | $909 | 13 mi |
| Josephine | city | 5,842 | $91,000 | $1,688 | 14 mi |
| Caddo Mills | city | 3,340 | $107,067 | $1,135 | 9 mi |
| West Tawakoni | city | 2,382 | $60,441 | $1,298 | 16 mi |
| Quinlan | city | 1,618 | $44,563 | $1,162 | 15 mi |
| Wolfe City | city | 1,148 | $52,031 | $798 | 17 mi |
| Celeste | city | 1,019 | $54,375 | $959 | 13 mi |
| Campbell | city | 866 | $58,086 | $1,125 | 8 mi |
| Union Valley | city | 751 | $93,051 | n/a | 15 mi |
| Hawk Cove | city | 644 | $64,167 | $1,900 | 17 mi |
| Lone Oak | city | 487 | $65,500 | $1,125 | 12 mi |
| Neylandville | town | 73 | $31,827 | n/a | 6 mi |
How Hunt County compares with nearby counties
Rains County is closest, 24 miles from center to center; the sixth, Fannin County, is 32 miles off. Income ranges from $65,413 in Rains County to $127,981 in Rockwall County; 3 of these neighbors top Hunt County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Hunt County | - | $71,938 | $1,222/mo | 71% |
| Rains County, TX | 24 mi | $65,413 | $989/mo | 83% |
| Rockwall County, TX | 24 mi | $127,981 | $1,992/mo | 83% |
| Collin County, TX | 29 mi | $121,600 | $1,859/mo | 65% |
| Delta County, TX | 30 mi | $66,575 | $945/mo | 83% |
| Hopkins County, TX | 30 mi | $70,888 | $1,109/mo | 71% |
| Fannin County, TX | 32 mi | $72,295 | $1,035/mo | 79% |
Hunt County households compared
College graduates make up 23% of the adult population. About 17% go without health insurance.
| Measure | Hunt County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 36.8 | 35.6 | 41.5 |
| Bachelor's or higher | 22.6% | 33.8% | 22.2% |
| No high school diploma | 13.5% | 14.0% | n/a |
| No health insurance | 17.0% | 17.1% | 7.8% |
| No vehicle | 3.7% | 5.4% | 5.4% |
| Work from home | 10.1% | 14.4% | 8.7% |
| Poverty rate | 11.8% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.9% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 30.6% |
| 15 to 29 min | 27.2% |
| 30 to 44 min | 14.6% |
| 45 to 59 min | 8.7% |
| 60+ min | 18.8% |
What the numbers mean for Hunt County borrowers
A few patterns in the Hunt County data, and the practical point behind each:
- Hospital bills in Hunt County. For the 17% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Keeping the car running. At 28% with long commutes, repairs are a frequent Hunt County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 16% of homes here, compare a personal loan with any dealer or park repair program.
- Tight rental budgets. With 50% of Hunt County renters cost-burdened, test a new payment against a lean month.
A Hunt County household budget, worked through
Hunt County at the medians, through a lender's eyes (what DTI means):
- Start: $5,995 gross per month ($71,938 / 12)
- Median rent: $1,222, or 20 cents of every gross dollar
- Under a 36% cap, $2,158 total minus rent leaves $936
Two-income households and single earners in Hunt County land in very different places on this math, so run it for your own budget.
A Hunt County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Texas.
- Never pay a fee up front to get a loan.
Lender oversight for Hunt County
Licensing happens at the state level, so a lender working with Hunt County borrowers answers to the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Problems with a lender can also go to the CFPB. The Texas guide covers state rules in more detail.
Related local guides
The Texas guide covers the whole state.
Frequently asked questions
Is Hunt County a high-income county?
Its $71,938 median ranks 73rd of 254 Texas counties and compares with $65,681 for the median U.S. county.
How much is rent in Hunt County?
Median gross rent, utilities included, is $1,222 a month; 50% of renters spend 30% or more of income on it.
What are the biggest places in Hunt County?
By population: Greenville, Commerce, Josephine, Caddo Mills, West Tawakoni. The county has 13 Census places in all.
Is the fit check different in Hunt County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Hunt County residents?
The Texas Department of Banking licenses consumer lenders in Texas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.