1st Advantage MortgageJones County households have a median income of $59,464 and median rent of $866 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Getting oriented in Jones County
- Rent, home values and ownership in Jones County
- How much Jones County households make
- Jobs and commutes in Jones County
- Jones County and the counties next door
- The communities that make up Jones County
- Jones County households compared
- What the numbers mean for Jones County borrowers
- Room for a loan payment in Jones County
- Texas rules that apply in Jones County
- Checklist for Jones County applicants
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Jones County
Jones County is home to about 20,304 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 118th most populous of 254 county-level areas in Texas. Land area is 929 square miles (2024 Gazetteer), so density runs near 22 per square mile. It is one of the counties that make up the Abilene, TX metropolitan statistical area (OMB, 2023). The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is Anson, with about 2,531 residents, or 12% of the county.
Rent, home values and ownership in Jones County
A typical Jones County rental runs $866 a month including utilities, which is 38% below Texas. Rent takes 30% or more of income for 42% of renter households here. Home values center on $96,500, or 1.6 years of median income. The ownership rate is 80%.
| Housing | Jones County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $866/mo | $1,403/mo | $877/mo |
| Median home value | $96,500 | $283,800 | $185,300 |
| Owners | 80% | 63% | 75% |
| Rent-burdened renters | 42% | 52% | 45% |
| Burdened owners | 31% | 29% | n/a |
| Vacant units | 16% | 9% | n/a |
Because most Jones 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.
How much Jones County households make
Jones County households have a median income of $59,464 (ACS 2020 to 2024), which ranks 173rd of 254 in Texas.
| Yearly household income | Jones County | Gap to Texas |
|---|---|---|
| Under $35,000 | 26.3% | +4.9 pts |
| $35,000 to $99,999 | 48.9% | +9.5 pts |
| $100,000 to $199,999 | 20.3% | -6.5 pts |
| $200,000 or more | 4.6% | -7.9 pts |
About 26% of households earn under $35,000, while 25% clear $100,000. The poverty rate is 14.1%, the same as the state's 13.8%. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Jones County median.
Jobs and commutes in Jones County
The biggest employer of Jones County residents, by industry, is education and health care at 23% of workers, followed by construction (12%). Agriculture, forestry and mining stands out: 7% of workers here, versus 2% statewide. Averaged over the five survey years, 5.5% 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.
| Sector | Jones County | Compared with Texas |
|---|---|---|
| Education and health care | 22.6% | +1.0 pts |
| Construction | 12.4% | +3.8 pts |
| Retail trade | 11.8% | +0.9 pts |
| Transportation, warehousing and utilities | 7.9% | +1.2 pts |
| Agriculture, forestry and mining | 6.9% | +4.6 pts |
| Public administration | 6.9% | +2.8 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Jones County and the counties next door
Six nearby counties, 31 to 43 miles away by the straight-line distance between their centers. Income ranges from $56,875 in Stonewall County to $73,047 in Shackelford County; 5 of these neighbors top Jones County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Jones County | - | $59,464 | $866/mo | 80% |
| Shackelford County, TX | 31 mi | $73,047 | $718/mo | 79% |
| Fisher County, TX | 31 mi | $65,533 | $601/mo | 80% |
| Taylor County, TX | 31 mi | $67,139 | $1,159/mo | 61% |
| Haskell County, TX | 31 mi | $60,653 | $782/mo | 74% |
| Stonewall County, TX | 37 mi | $56,875 | $613/mo | 85% |
| Callahan County, TX | 43 mi | $72,436 | $817/mo | 81% |
The communities that make up Jones County
The table lists the 4 largest of 4 Census places in Jones County, by population. Together all 4 hold about 5,385 people, so roughly 73% of residents live outside any named place. Among places of 500 or more people, median income runs from $48,104 in Anson to $78,393 in Hawley. This guide covers each of the 4 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Anson | city | 2,531 | $48,104 | $757 | 1 mi |
| Hamlin | city | 2,011 | $60,625 | $858 | 18 mi |
| Hawley | city | 572 | $78,393 | $850 | 10 mi |
| Lueders | city | 271 | n/a | n/a | 15 mi |
Jones County households compared
College graduates make up 12% of the adult population. The uninsured rate is 19.3%, against 17.1% for Texas.
| Indicator | Jones County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 39.3 | 35.6 | 41.5 |
| Bachelor's or higher | 12.0% | 33.8% | 22.2% |
| No high school diploma | 18.7% | 14.0% | n/a |
| No health insurance | 19.3% | 17.1% | 7.8% |
| No vehicle | 5.3% | 5.4% | 5.4% |
| Work from home | 5.3% | 14.4% | 8.7% |
| Poverty rate | 14.1% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.5% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 33.6% |
| 15 to 29 min | 33.6% |
| 30 to 44 min | 18.4% |
| 45 to 59 min | 8.1% |
| 60+ min | 6.2% |
What the numbers mean for Jones County borrowers
The county's numbers point to a few situations that come up often for Jones County borrowers.
- Hospital bills in Jones County. For the 19% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Repairs on manufactured housing. With 12% of homes here, compare a personal loan with any dealer or park repair program.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Room for a loan payment in Jones County
Jones County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Jones County: $4,955
- Rent at the median, $866, takes 17% of that
- 35% debt-to-income limit: $868 left for all other debt payments
- At 45%, room after rent is $1,364 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Jones County's.
Texas rules that apply in Jones 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. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Texas state guide for the statewide picture.
Checklist for Jones County applicants
Before you apply, wherever you live in Jones County:
- Price the Jones County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- A Texas license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
How much do households in Jones County earn?
The median is $59,464; 25% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Jones County?
Median gross rent, utilities included, is $866 a month; 42% of renters spend 30% or more of income on it.
Which towns does the Jones County guide cover?
Every community in the county, unincorporated areas included. The largest of its 4 Census places: Anson, Hamlin, Hawley, Lueders.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Jones County or elsewhere in Texas, the same rules apply.
Is there a Jones County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.