1st Advantage MortgageAbout 84% of Kinney County homes are owner-occupied, and the median household income is $70,000. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Kinney County at a glance
- Employment and commuting in Kinney County
- What Kinney County households earn
- Renting and owning in Kinney County
- Towns and communities in Kinney County
- Neighboring counties at a glance
- A Kinney County household budget, worked through
- Who lives in Kinney County, in numbers
- Local borrowing considerations for Kinney County
- Texas rules that apply in Kinney County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Kinney County at a glance
Kinney County is home to about 3,157 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 222nd most populous of 254 county-level areas in Texas. Spread over 1,361 square miles, that works out to roughly 2.3 residents per square mile. No metropolitan area includes Kinney County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 3 Census places inside Kinney County, Brackettville leads by population with about 1,595; 2 of the 3 are incorporated. Because Kinney County is small, the survey's margins of error are wide; treat the numbers as approximate.
Employment and commuting in Kinney County
Education and health care employs 25% of working residents, the largest share; construction is next with 18%. Compared with Texas, the county leans toward construction (18% against 9%). The survey's unemployment rate for Kinney County averages 0.9% over 2020 to 2024 (state: 5.3%). About 70% drive to work alone and 12% have trips of 45 minutes or more.
| Where residents work | Kinney County | Difference from Texas |
|---|---|---|
| Education and health care | 25.0% | +3.4 pts |
| Construction | 17.8% | +9.3 pts |
| Transportation, warehousing and utilities | 13.0% | +6.2 pts |
| Arts, lodging and food service | 12.0% | +3.6 pts |
| Manufacturing | 9.5% | +1.0 pts |
| Retail trade | 8.2% | -2.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What Kinney County households earn
At $70,000, the typical Kinney County household income is 7% above the median U.S. county ($65,681). That places it 83rd among Texas's 254 county-level areas.
| Household income | Kinney County | vs Texas |
|---|---|---|
| Under $35,000 | 28.1% | +6.7 pts |
| $35,000 to $99,999 | 57.5% | +18.1 pts |
| $100,000 to $199,999 | 10.9% | -15.9 pts |
| $200,000 or more | 3.6% | -8.9 pts |
The spread is wide: 14% of Kinney County households make $100,000 or more, and 28% make less than $35,000. The poverty rate is 8.4%, 5 points lower than the state's 13.8%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Renting and owning in Kinney County
A typical Kinney County rental runs $1,272 a month including utilities, which is 9% below Texas. 22% of renting households spend 30% or more of income on rent, and 10% spend half or more. The median owner-occupied home is valued at $82,000, about 1.2 times the median household income. The ownership rate is 84%.
| Cost | Kinney County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,272/mo | $1,403/mo | $877/mo |
| Median home value | $82,000 | $283,800 | $185,300 |
| Owners | 84% | 63% | 75% |
| Rent-burdened renters | 22% | 52% | 45% |
| Burdened owners | 12% | 29% | n/a |
| Mobile homes | 23.5% | 6.4% | n/a |
Because most Kinney 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.
Towns and communities in Kinney County
3 Census places fall mainly inside Kinney County; the 3 biggest are below. They account for 2,672 residents, leaving about 15% of the county in unincorporated, unnamed areas. None of the 3 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Brackettville | city | 1,595 | $69,459 | $755 | 2 mi |
| Fort Clark Springs | CDP | 1,048 | $71,346 | n/a | 4 mi |
| Spofford | city | 29 | $87,031 | n/a | 12 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Neighboring counties at a glance
Uvalde County is closest, 39 miles from center to center; the sixth, Val Verde County, is 57 miles off. Val Verde County leads the group on income ($66,100), Zavala County trails ($36,749), and Kinney County out-earns 6 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Kinney County | - | $70,000 | $1,272/mo | 84% |
| Uvalde County, TX | 39 mi | $53,801 | $981/mo | 71% |
| Maverick County, TX | 43 mi | $49,568 | $859/mo | 71% |
| Edwards County, TX | 45 mi | $40,313 | $713/mo | 88% |
| Real County, TX | 49 mi | $39,605 | $1,188/mo | 78% |
| Zavala County, TX | 52 mi | $36,749 | $548/mo | 69% |
| Val Verde County, TX | 57 mi | $66,100 | $994/mo | 69% |
A Kinney County household budget, worked through
Here is the Kinney County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,833 gross per month ($70,000 / 12)
- Median rent: $1,272, or 22 cents of every gross dollar
- $770: what a 35% ratio leaves once rent is paid
- Under a 45% cap, $2,625 total minus rent leaves $1,353
If your rent is above $1,272, the room shrinks dollar for dollar.
Who lives in Kinney County, in numbers
12% of Kinney County adults 25 and older hold a bachelor's degree or more. About 22% go without health insurance.
| Measure | Kinney County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 50.3 | 35.6 | 41.5 |
| Bachelor's or higher | 11.8% | 33.8% | 22.2% |
| No high school diploma | 17.1% | 14.0% | n/a |
| No health insurance | 21.7% | 17.1% | 7.8% |
| No vehicle | 5.1% | 5.4% | 5.4% |
| Work from home | 16.4% | 14.4% | 8.7% |
| Poverty rate | 8.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 0.9% | 5.3% | 4.4% |
| Minutes to work | Kinney County workers |
|---|---|
| Under 15 min | 81.9% |
| 15 to 29 min | 1.0% |
| 30 to 44 min | 5.0% |
| 45 to 59 min | 8.6% |
| 60+ min | 3.6% |
Local borrowing considerations for Kinney County
Where the Kinney County numbers stand out, and why it matters for a loan:
- Uninsured care. 22% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Repairs on manufactured housing. With 24% of homes here, compare a personal loan with any dealer or park repair program.
- Older households. A 50.3 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
Texas rules that apply in Kinney County
Kinney 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. See the Texas state guide for the statewide picture.
Before you sign
Before you apply, wherever you live in Kinney County:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- A Texas license check takes minutes; do it first.
- Ask about early-payoff penalties.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
Is Kinney County a high-income county?
Its $70,000 median ranks 83rd of 254 Texas counties and compares with $65,681 for the median U.S. county.
How does Kinney County rent compare with Texas?
$1,272 locally versus $1,403 for the state, 9% below.
I live in a small Kinney County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Brackettville, Fort Clark Springs, Spofford.
Does living in Kinney 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 Kinney County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Kinney County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.