1st Advantage MortgageIn Hutchinson County, Texas, the typical household earns $67,228 a year and the typical rent is $932. 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 Hutchinson County
- Renting and owning in Hutchinson County
- Household income in Hutchinson County
- How Hutchinson County residents earn a living
- Towns and communities in Hutchinson County
- Hutchinson County and the counties next door
- Who lives in Hutchinson County, in numbers
- Reading the Hutchinson County data as a borrower
- What a median Hutchinson County budget can carry
- A Hutchinson County borrower's checklist
- Licensing and complaints for Hutchinson County
- Related local guides
- Frequently asked questions
A quick profile of Hutchinson County
Hutchinson County is home to about 20,184 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 120th most populous of 254 county-level areas in Texas. Land area is 887 square miles (2024 Gazetteer), so density runs near 23 per square mile. Under the July 2023 OMB definitions, Hutchinson County is not part of any metropolitan area. Of the 5 Census places inside Hutchinson County, Borger leads by population with about 12,226; 4 of the 5 are incorporated.
Renting and owning in Hutchinson County
Median gross rent, utilities included, comes to $932 in Hutchinson County versus $1,403 statewide. By the Census definition, 40% of Hutchinson County renters are cost-burdened. Home values center on $119,100, or 1.8 years of median income. 83% of Hutchinson County households own their home and 17% rent. Median construction year: 1969.
| Hutchinson County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $932/mo | $1,403/mo | $877/mo |
| Median home value | $119,100 | $283,800 | $185,300 |
| Owners | 83% | 63% | 75% |
| Rent-burdened renters | 40% | 52% | 45% |
| Burdened owners | 20% | 29% | n/a |
| Mobile homes | 7.7% | 6.4% | n/a |
| Vacant units | 31% | 9% | n/a |
Because most Hutchinson 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.
Household income in Hutchinson County
The median household income in Hutchinson County is $67,228; statewide it is $78,476, so Hutchinson County runs 14% below Texas as a whole.
| Band | Hutchinson County | Compared with Texas |
|---|---|---|
| Under $35,000 | 24.9% | +3.5 pts |
| $35,000 to $99,999 | 38.2% | -1.1 pts |
| $100,000 to $199,999 | 31.2% | +4.5 pts |
| $200,000 or more | 5.6% | -6.9 pts |
Some 25% of households here live on less than $35,000 a year; 37% have six-figure incomes. 13.3% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.419 (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.
How Hutchinson County residents earn a living
The biggest employer of Hutchinson County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (19%). Compared with Texas, the county leans toward manufacturing (19% against 9%). Averaged over the five survey years, 3.6% of the labor force was out of work and looking. About 81% drive to work alone and 15% have trips of 45 minutes or more.
| Top industries | Hutchinson County share | +/- vs Texas |
|---|---|---|
| Education and health care | 19.8% | -1.8 pts |
| Manufacturing | 19.2% | +10.6 pts |
| Retail trade | 11.6% | +0.6 pts |
| Construction | 9.7% | +1.1 pts |
| Arts, lodging and food service | 6.3% | -2.2 pts |
| Agriculture, forestry and mining | 6.0% | +3.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Hutchinson County should have bank statements and tax returns ready.
Towns and communities in Hutchinson County
The table lists the 5 largest of 5 Census places in Hutchinson County, by population. Together all 5 hold about 16,002 people, so roughly 21% of residents live outside any named place. Incomes vary by place: $88,750 at the median in Fritch, $44,904 in Stinnett. Median rent ranges from $910 in Borger to $1,202 in Stinnett. Live in one of these Hutchinson County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Borger | city | 12,226 | $61,583 | $910 | 12 mi |
| Fritch | city | 2,293 | $88,750 | $1,100 | 19 mi |
| Stinnett | city | 1,170 | $44,904 | $1,202 | 5 mi |
| Lake Meredith Estates | CDP | 183 | $31,250 | n/a | 18 mi |
| Sanford | town | 130 | $28,438 | n/a | 13 mi |
Hutchinson County and the counties next door
Distances run center to center, from Roberts County at 29 miles out to Sherman County at 43. Income ranges from $53,249 in Potter County to $85,231 in Carson County; 3 of these neighbors top Hutchinson County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Hutchinson County | - | $67,228 | $932/mo | 83% |
| Roberts County, TX | 29 mi | $67,868 | $859/mo | 85% |
| Moore County, TX | 30 mi | $61,762 | $939/mo | 62% |
| Carson County, TX | 30 mi | $85,231 | $956/mo | 79% |
| Hansford County, TX | 30 mi | $69,441 | $939/mo | 81% |
| Potter County, TX | 43 mi | $53,249 | $1,022/mo | 57% |
| Sherman County, TX | 43 mi | $61,250 | $835/mo | 76% |
Who lives in Hutchinson County, in numbers
Degree holders: 17% of adults over 25. About 13% go without health insurance.
| Residents | Hutchinson County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 39.3 | 35.6 | 41.5 |
| Bachelor's or higher | 16.8% | 33.8% | 22.2% |
| No high school diploma | 14.1% | 14.0% | n/a |
| No health insurance | 13.1% | 17.1% | 7.8% |
| No vehicle | 3.9% | 5.4% | 5.4% |
| Work from home | 4.7% | 14.4% | 8.7% |
| Poverty rate | 13.3% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.6% | 5.3% | 4.4% |
| Minutes to work | Hutchinson County workers |
|---|---|
| Under 15 min | 48.8% |
| 15 to 29 min | 28.0% |
| 30 to 44 min | 7.8% |
| 45 to 59 min | 8.1% |
| 60+ min | 7.4% |
Reading the Hutchinson County data as a borrower
Based on the Hutchinson County data above, these borrowing questions are most likely to matter locally.
- Health costs. With 13% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
What a median Hutchinson County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Hutchinson County household at the medians it works out like this; treat it as an illustration only.
- $67,228 a year is $5,602 of gross monthly income
- Less median rent of $932, which is 17% of it
- $1,085: what a 36% ratio leaves once rent is paid
- 43% debt-to-income limit: $1,477 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Hutchinson County's.
A Hutchinson County borrower's checklist
A short checklist for Hutchinson County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Texas.
- Confirm the first due date before setting up autopay.
Licensing and complaints for Hutchinson County
The Texas Department of Banking is the place to verify any lender's Texas license. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Problems with a lender can also go to the CFPB. More on Texas: Texas personal loans.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Hutchinson County household make?
About $67,228 a year at the median (ACS 2020-24), 14% below the Texas median.
What do renters pay in Hutchinson County?
$932 a month at the median, about 17% of median household income.
What are the biggest places in Hutchinson County?
By population: Borger, Fritch, Stinnett, Lake Meredith Estates, Sanford. The county has 5 Census places in all.
Are Hutchinson County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Hutchinson 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.