1st Advantage MortgageAbout 79% of Kimble County homes are owner-occupied, and the median household income is $69,455. 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
- Kimble County at a glance
- How much Kimble County households make
- What it costs to live in Kimble County
- The Kimble County job picture
- The counties around Kimble County
- Cities, towns and CDPs in Kimble County
- Debt-to-income at Kimble County's medians
- What the numbers mean for Kimble County borrowers
- Who lives in Kimble County, in numbers
- Texas rules that apply in Kimble County
- Steps before you apply in Kimble County
- Nearby and statewide guides
- Frequently asked questions
Kimble County at a glance
Roughly 4,389 residents live in Kimble County, Texas, 207th by population among the state's 254 counties and county equivalents. It covers 1,251 square miles of land, or about 4 people per square mile. No metropolitan area includes Kimble County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 1 Census place inside Kimble County, Junction leads by population with about 2,475. Small populations mean wide margins of error, so read every Kimble County figure on this page as a rough guide.
How much Kimble County households make
The median household income in Kimble County is $69,455; statewide it is $78,476, so Kimble County runs 11% below Texas as a whole. Only 90 Texas counties post a higher median.
| Band | Kimble County | Compared with Texas |
|---|---|---|
| Under $35,000 | 30.7% | +9.3 pts |
| $35,000 to $99,999 | 35.5% | -3.9 pts |
| $100,000 to $199,999 | 27.8% | +1.1 pts |
| $200,000 or more | 6.0% | -6.5 pts |
The spread is wide: 34% of Kimble County households make $100,000 or more, and 31% make less than $35,000. 11.7% of residents fall below the federal poverty line (statewide: 13.8%). A household earning below the $69,455 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Kimble County
A typical Kimble County rental runs $790 a month including utilities, which is 44% below Texas. 32% of renting households spend 30% or more of income on rent, and 15% spend half or more. The median owner-occupied home is valued at $201,300, about 2.9 times the median household income. The ownership rate is 79%.
| Home costs | Kimble County | Texas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $790/mo | $1,403/mo | $877/mo |
| Median home value | $201,300 | $283,800 | $185,300 |
| Owners | 79% | 63% | 75% |
| Rent-burdened renters | 32% | 52% | 45% |
| Burdened owners | 34% | 29% | n/a |
| Mobile homes | 14.6% | 6.4% | n/a |
| Vacant units | 25% | 9% | n/a |
In an owner-heavy county like Kimble County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The Kimble County job picture
The biggest employer of Kimble County residents, by industry, is education and health care at 22% of workers, followed by retail trade (17%). Compared with Texas, the county leans toward retail trade (17% against 11%). ACS puts five-year average unemployment at 1.3% in Kimble County. About 75% drive to work alone and 18% have trips of 45 minutes or more.
| Where residents work | Kimble County | Difference from Texas |
|---|---|---|
| Education and health care | 22.1% | +0.5 pts |
| Retail trade | 17.0% | +6.0 pts |
| Professional and administrative services | 10.3% | -2.6 pts |
| Construction | 8.8% | +0.3 pts |
| Public administration | 8.5% | +4.4 pts |
| Agriculture, forestry and mining | 7.0% | +4.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
The counties around Kimble County
Menard County is closest, 29 miles from center to center; the sixth, Edwards County, is 48 miles off. Income ranges from $39,605 in Real County to $78,906 in Sutton County; 2 of these neighbors top Kimble County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Kimble County | - | $69,455 | $790/mo | 79% |
| Menard County, TX | 29 mi | $53,043 | $729/mo | 81% |
| Mason County, TX | 34 mi | $74,180 | $800/mo | 80% |
| Kerr County, TX | 37 mi | $69,395 | $1,109/mo | 70% |
| Real County, TX | 45 mi | $39,605 | $1,188/mo | 78% |
| Sutton County, TX | 46 mi | $78,906 | $772/mo | 76% |
| Edwards County, TX | 48 mi | $40,313 | $713/mo | 88% |
Cities, towns and CDPs in Kimble County
Junction is the only Census place mainly inside Kimble County, with about 2,475 of the county's 4,389 residents. This guide covers each of the 1 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Junction | city | 2,475 | $49,041 | $734 | 2 mi |
Debt-to-income at Kimble County's medians
Here is the Kimble County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $5,788 before taxes
- Rent at the median, $790, takes 14% of that
- At 36%, room after rent is $1,294 a month
- At 43%, room after rent is $1,699 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Kimble County's.
What the numbers mean for Kimble County borrowers
Based on the Kimble County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 14% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Commuter costs. 18% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 15% of Kimble County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Older households. A 47.4 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
Who lives in Kimble County, in numbers
Degree holders: 27% of adults over 25. About 14% go without health insurance.
| Kimble County | Texas | U.S. county median | |
|---|---|---|---|
| Median age | 47.4 | 35.6 | 41.5 |
| Bachelor's or higher | 27.1% | 33.8% | 22.2% |
| No high school diploma | 20.4% | 14.0% | n/a |
| No health insurance | 13.7% | 17.1% | 7.8% |
| No vehicle | 5.1% | 5.4% | 5.4% |
| Work from home | 6.3% | 14.4% | 8.7% |
| Poverty rate | 11.7% | 13.8% | 13.2% |
| Unemployment (ACS) | 1.3% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 48.1% |
| 15 to 29 min | 19.2% |
| 30 to 44 min | 14.2% |
| 45 to 59 min | 8.9% |
| 60+ min | 9.5% |
Texas rules that apply in Kimble County
Kimble County borrowers fall under statewide rules, enforced by the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Problems with a lender can also go to the CFPB. More on Texas: Texas personal loans.
Steps before you apply in Kimble County
Steps that save money for Kimble County residents:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Texas license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Kimble County household make?
About $69,455 a year at the median (ACS 2020-24), 11% below the Texas median.
How much is rent in Kimble County?
Median gross rent, utilities included, is $790 a month; 32% of renters spend 30% or more of income on it.
I own my home in Kimble County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Kimble County guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Junction.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Kimble County or elsewhere in Texas, the same rules apply.