1st Advantage MortgageAbout 80% of Lampasas County homes are owner-occupied, and the median household income is $81,736. 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
- A quick profile of Lampasas County
- Rent, home values and ownership in Lampasas County
- Household income in Lampasas County
- The Lampasas County job picture
- Places inside Lampasas County
- Regional comparison for Lampasas County
- Lampasas County residents: age, schooling, coverage
- Before borrowing in Lampasas County
- Budget math at the Lampasas County median
- Steps before you apply in Lampasas County
- Texas rules that apply in Lampasas County
- Related local guides
- Frequently asked questions
A quick profile of Lampasas County
Roughly 22,715 residents live in Lampasas County, Texas, 106th by population among the state's 254 counties and county equivalents. Land area is 713 square miles (2024 Gazetteer), so density runs near 32 per square mile. For statistical purposes it belongs to the Killeen-Temple, TX metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is Copperas Cove, with about 37,947 residents, or 167% of the county.
Rent, home values and ownership in Lampasas County
Median gross rent, utilities included, comes to $1,059 in Lampasas County versus $1,403 statewide. 40% of renting households spend 30% or more of income on rent, and 15% spend half or more. With a median value of $250,400, a typical Lampasas County house costs 3.1 times what the median household earns in a year. Owners occupy 80% of homes.
| Housing | Lampasas County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,059/mo | $1,403/mo | $877/mo |
| Median home value | $250,400 | $283,800 | $185,300 |
| Owners | 80% | 63% | 75% |
| Rent-burdened renters | 40% | 52% | 45% |
| Burdened owners | 27% | 29% | n/a |
| Mobile homes | 14.3% | 6.4% | n/a |
| Vacant units | 15% | 9% | n/a |
In an owner-heavy county like Lampasas 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.
Household income in Lampasas County
At $81,736, the typical Lampasas County household income is 24% above the median U.S. county ($65,681).
| Household income | Lampasas County | vs Texas |
|---|---|---|
| Under $35,000 | 19.6% | -1.8 pts |
| $35,000 to $99,999 | 38.8% | -0.6 pts |
| $100,000 to $199,999 | 31.7% | +5.0 pts |
| $200,000 or more | 9.9% | -2.6 pts |
About 20% of households earn under $35,000, while 42% clear $100,000. Census counts 9.1% of Lampasas County residents in poverty, against 13.8% across Texas. For a borrower in Lampasas 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.
The Lampasas County job picture
By the Census industry count, 21% of employed Lampasas County residents work in education and health care and 12% in construction. Compared with Texas, the county leans toward construction (12% against 9%). ACS puts five-year average unemployment at 4.5% in Lampasas County. 23% of commuters travel 45 minutes or more each way, and 9% work from home. 3.3% of households have no vehicle.
| Where residents work | Lampasas County | Difference from Texas |
|---|---|---|
| Education and health care | 21.0% | -0.6 pts |
| Construction | 12.0% | +3.5 pts |
| Retail trade | 12.0% | +1.0 pts |
| Arts, lodging and food service | 10.5% | +2.0 pts |
| Professional and administrative services | 9.1% | -3.8 pts |
| Manufacturing | 9.1% | +0.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Places inside Lampasas County
4 Census places fall mainly inside Lampasas County; the 4 biggest are below. They account for 47,645 residents, leaving about 0% of the county in unincorporated, unnamed areas. Incomes vary by place: $75,357 at the median in Kempner, $54,750 in Lometa. Rent is cheapest in Lometa ($692) and steepest in Kempner ($1,044). This guide covers each of the 4 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Copperas Cove | city | 37,947 | $71,225 | $1,043 | 20 mi |
| Lampasas | city | 7,671 | $67,229 | $961 | 10 mi |
| Kempner | city | 1,215 | $75,357 | $1,044 | 18 mi |
| Lometa | city | 812 | $54,750 | $692 | 9 mi |
Regional comparison for Lampasas County
Nearest neighbors first, measured between county centers (28 to 43 miles). None of the six report a higher median household income than Lampasas County; Burnet County is highest at $78,732 and San Saba County lowest at $55,819.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Lampasas County | - | $81,736 | $1,059/mo | 80% |
| Burnet County, TX | 28 mi | $78,732 | $1,319/mo | 76% |
| Mills County, TX | 29 mi | $67,620 | $708/mo | 80% |
| Coryell County, TX | 29 mi | $71,301 | $1,186/mo | 59% |
| San Saba County, TX | 34 mi | $55,819 | $958/mo | 72% |
| Hamilton County, TX | 36 mi | $58,219 | $885/mo | 79% |
| Llano County, TX | 43 mi | $67,530 | $998/mo | 77% |
Lampasas County residents: age, schooling, coverage
College graduates make up 24% of the adult population. The uninsured rate is 12.9%, against 17.1% for Texas.
| Residents | Lampasas County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 43.8 | 35.6 | 41.5 |
| Bachelor's or higher | 24.3% | 33.8% | 22.2% |
| No high school diploma | 8.1% | 14.0% | n/a |
| No health insurance | 12.9% | 17.1% | 7.8% |
| No vehicle | 3.3% | 5.4% | 5.4% |
| Work from home | 9.0% | 14.4% | 8.7% |
| Poverty rate | 9.1% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.5% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 29.5% |
| 15 to 29 min | 27.5% |
| 30 to 44 min | 20.5% |
| 45 to 59 min | 10.1% |
| 60+ min | 12.4% |
Before borrowing in Lampasas County
What the Lampasas County figures suggest, and what to check first:
- Health costs. With 13% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Commuter costs. 23% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 14% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Strong incomes, long terms. 42% of Lampasas County households earn $100,000+. The risk is a term that outlasts the need.
Budget math at the Lampasas County median
How much room does a median Lampasas County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $6,811 gross per month ($81,736 / 12)
- Rent at the median, $1,059, takes 16% of that
- 36% debt-to-income limit: $1,393 left for all other debt payments
- With a 43% ceiling, about $1,870 remains for car, card, student and any new loan payments
Two-income households and single earners in Lampasas County land in very different places on this math, so run it for your own budget.
Steps before you apply in Lampasas County
Quick steps for Lampasas County:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Lampasas County-area credit union.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Texas rules that apply in Lampasas County
No county office licenses personal lenders. For Lampasas County, check the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Texas guide.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
How much do households in Lampasas County earn?
The median is $81,736; 42% earn $100,000 or more and 20% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Lampasas County?
$1,059 a month at the median, about 16% of median household income.
Should Lampasas County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Lampasas County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Lampasas County?
By population: Copperas Cove, Lampasas, Kempner, Lometa. The county has 4 Census places in all.
Can Lampasas County residents use the questionnaire?
Yes. It asks the same questions in every Texas county, lists every requirement up front and does not affect your credit score.