1st Advantage MortgageThe median Llano County household earns $67,530, and 12% of residents live below the poverty line. 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
- Llano County at a glance
- What it costs to live in Llano County
- How much Llano County households make
- Work, industries and travel time in Llano County
- Cities, towns and CDPs in Llano County
- The counties around Llano County
- What a median Llano County budget can carry
- Llano County residents: age, schooling, coverage
- Before borrowing in Llano County
- Steps before you apply in Llano County
- Who licenses lenders for Llano County residents
- More guides for Llano County
- Frequently asked questions
Llano County at a glance
Roughly 22,424 residents live in Llano County, Texas, 107th by population among the state's 254 counties and county equivalents. Land area is 934 square miles (2024 Gazetteer), so density runs near 24 per square mile. No metropolitan area includes Llano County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Kingsland is the biggest of its 6 Census places, at roughly 7,330 people (33% of the county total).
What it costs to live in Llano County
Renters in Llano County pay a median of $998 a month, 29% below the Texas figure of $1,403. Rent takes 30% or more of income for 53% of renter households here. With a median value of $356,500, a typical Llano County house costs 5.3 times what the median household earns in a year. The ownership rate is 77%. Half the housing stock was built before 1990.
| Measure | Llano County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $998/mo | $1,403/mo | $877/mo |
| Median home value | $356,500 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 53% | 52% | 45% |
| Burdened owners | 38% | 29% | n/a |
| Vacant units | 32% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How much Llano County households make
At $67,530, the typical Llano County household income is 3% above the median U.S. county ($65,681).
| Yearly household income | Llano County | Gap to Texas |
|---|---|---|
| Under $35,000 | 25.7% | +4.3 pts |
| $35,000 to $99,999 | 38.5% | -0.9 pts |
| $100,000 to $199,999 | 23.9% | -2.8 pts |
| $200,000 or more | 11.9% | -0.6 pts |
Some 26% of households here live on less than $35,000 a year; 36% have six-figure incomes. 12.0% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.511 (0 is perfect equality). None of these numbers decides a Llano County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Llano County
Professional and administrative services employs 15% of working residents, the largest share; education and health care is next with 15%. Compared with Texas, the county leans toward finance, insurance and real estate (11% against 7%). Averaged over the five survey years, 4.4% of the labor force was out of work and looking. Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Llano County workers | vs Texas |
|---|---|---|
| Professional and administrative services | 15.4% | +2.5 pts |
| Education and health care | 14.7% | -6.9 pts |
| Retail trade | 12.4% | +1.4 pts |
| Construction | 11.7% | +3.2 pts |
| Finance, insurance and real estate | 10.8% | +3.8 pts |
| Arts, lodging and food service | 7.6% | -0.8 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Cities, towns and CDPs in Llano County
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 62% of Llano County residents live in one of the 6. Sunrise Beach Village has the highest median household income on the list ($75,625) and Llano the lowest ($48,309), counting places with at least 500 residents. Rent is cheapest in Kingsland ($892) and steepest in Sunrise Beach Village ($1,143). This guide covers each of the 6 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Kingsland | CDP | 7,330 | $57,268 | $892 | 14 mi |
| Llano | city | 3,494 | $48,309 | $1,078 | 3 mi |
| Buchanan Dam | CDP | 1,513 | $56,429 | $1,030 | 16 mi |
| Sunrise Beach Village | city | 936 | $75,625 | $1,143 | 18 mi |
| Buchanan Lake Village | CDP | 425 | $48,542 | n/a | 18 mi |
| Tow | CDP | 145 | $54,271 | n/a | 18 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Llano County
Six nearby counties, 29 to 43 miles away by the straight-line distance between their centers. 5 of the six report a higher median household income than Llano County; Blanco County is highest at $92,425 and San Saba County lowest at $55,819.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Llano County | - | $67,530 | $998/mo | 77% |
| Burnet County, TX | 29 mi | $78,732 | $1,319/mo | 76% |
| Gillespie County, TX | 31 mi | $76,162 | $1,340/mo | 75% |
| San Saba County, TX | 32 mi | $55,819 | $958/mo | 72% |
| Mason County, TX | 33 mi | $74,180 | $800/mo | 80% |
| Blanco County, TX | 35 mi | $92,425 | $1,017/mo | 76% |
| Lampasas County, TX | 43 mi | $81,736 | $1,059/mo | 80% |
What a median Llano County budget can carry
Here is the Llano County median household run through a simple DTI check. Your numbers will differ.
- $67,530 a year is $5,628 of gross monthly income
- 18% goes to median rent ($998)
- Under a 35% cap, $1,970 total minus rent leaves $972
- With a 45% ceiling, about $1,534 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Llano County's.
Llano County residents: age, schooling, coverage
32% of Llano County adults 25 and older hold a bachelor's degree or more. About 16% go without health insurance.
| Indicator | Llano County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 57.4 | 35.6 | 41.5 |
| Bachelor's or higher | 32.4% | 33.8% | 22.2% |
| No high school diploma | 9.4% | 14.0% | n/a |
| No health insurance | 15.8% | 17.1% | 7.8% |
| No vehicle | 4.2% | 5.4% | 5.4% |
| Work from home | 15.0% | 14.4% | 8.7% |
| Poverty rate | 12.0% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.4% | 5.3% | 4.4% |
| One-way commute | Share of Llano County workers |
|---|---|
| Under 15 min | 31.0% |
| 15 to 29 min | 31.0% |
| 30 to 44 min | 20.3% |
| 45 to 59 min | 6.7% |
| 60+ min | 10.9% |
Before borrowing in Llano County
What the Llano County figures suggest, and what to check first:
- Medical bills. 16% of Llano County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Fixed incomes. Llano County's median age is 57.4. Social Security and pensions count as income when documented.
- 53% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Steps before you apply in Llano County
Quick steps for Llano County:
- Write down what the expense costs; a smaller loan costs less.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Texas license before giving out your Social Security number.
- Ask about early-payoff penalties.
Who licenses lenders for Llano County residents
Licensing happens at the state level, so a lender working with Llano County borrowers answers to the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Problems with a lender can also go to the CFPB. More on Texas: Texas personal loans.
More guides for Llano County
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Llano County household make?
About $67,530 a year at the median (ACS 2020-24), 14% below the Texas median.
Is Llano County expensive for renters?
Median rent is $998 against $1,403 statewide, and 53% of renter households are cost-burdened.
Which towns does the Llano County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Kingsland, Llano, Buchanan Dam, Sunrise Beach Village, Buchanan Lake Village.
Will a Llano County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Llano County residents?
The Texas Department of Banking licenses consumer lenders in Texas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.