1st Advantage MortgageMcCulloch County households have a median income of $54,043 and median rent of $806 a month (ACS 2020 to 2024). 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
- McCulloch County by the numbers
- How much McCulloch County households make
- Rent, home values and ownership in McCulloch County
- Jobs and commutes in McCulloch County
- Cities, towns and CDPs in McCulloch County
- McCulloch County next to its neighbors
- People and households in McCulloch County
- Borrowing situations common in McCulloch County
- Budget math at the McCulloch County median
- Steps before you apply in McCulloch County
- Licensing and complaints for McCulloch County
- Nearby and statewide guides
- Frequently asked questions
McCulloch County by the numbers
Roughly 7,514 residents live in McCulloch County, Texas, 180th by population among the state's 254 counties and county equivalents. Land area is 1,066 square miles (2024 Gazetteer), so density runs near 7 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 3 Census places inside McCulloch County, Brady leads by population with about 5,230; 2 of the 3 are incorporated. Because McCulloch County is small, the survey's margins of error are wide; treat the numbers as approximate.
How much McCulloch County households make
Half of McCulloch County households take in less than $54,043 a year and half take in more, 31% below the Texas median of $78,476. Only 207 Texas counties post a higher median.
| Yearly household income | McCulloch County | Gap to Texas |
|---|---|---|
| Under $35,000 | 32.8% | +11.4 pts |
| $35,000 to $99,999 | 42.8% | +3.4 pts |
| $100,000 to $199,999 | 19.6% | -7.1 pts |
| $200,000 or more | 4.8% | -7.7 pts |
The spread is wide: 24% of McCulloch County households make $100,000 or more, and 33% make less than $35,000. The poverty rate is 15.3%, 2 points higher than the state's 13.8%. The Gini index of income inequality is 0.466 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the McCulloch County median.
Rent, home values and ownership in McCulloch County
Median gross rent, utilities included, comes to $806 in McCulloch County versus $1,403 statewide. 47% of renting households spend 30% or more of income on rent, and 13% spend half or more. With a median value of $150,500, a typical McCulloch County house costs 2.8 times what the median household earns in a year. Owners occupy 67% of homes. The median home was built in 1971, so roofs, wiring and heating systems are a common source of repair bills.
| Housing | McCulloch County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $806/mo | $1,403/mo | $877/mo |
| Median home value | $150,500 | $283,800 | $185,300 |
| Owners | 67% | 63% | 75% |
| Rent-burdened renters | 47% | 52% | 45% |
| Burdened owners | 16% | 29% | n/a |
| Mobile homes | 7.1% | 6.4% | n/a |
Jobs and commutes in McCulloch County
By the Census industry count, 20% of employed McCulloch County residents work in education and health care and 15% in professional and administrative services. Public administration stands out: 9% of workers here, versus 4% statewide. Averaged over the five survey years, 9.0% of the labor force was out of work and looking. 12% of commuters travel 45 minutes or more each way, and 16% work from home. Only 4.3% of homes here go without a vehicle.
| Top industries | McCulloch County share | +/- vs Texas |
|---|---|---|
| Education and health care | 19.9% | -1.7 pts |
| Professional and administrative services | 15.4% | +2.5 pts |
| Public administration | 9.4% | +5.3 pts |
| Finance, insurance and real estate | 8.7% | +1.7 pts |
| Construction | 8.1% | -0.4 pts |
| Transportation, warehousing and utilities | 7.8% | +1.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in McCulloch County should have bank statements and tax returns ready.
Cities, towns and CDPs in McCulloch County
The table lists the 3 largest of 3 Census places in McCulloch County, by population. Together all 3 hold about 5,494 people, so roughly 27% of residents live outside any named place. None of the 3 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Brady | city | 5,230 | $46,250 | $776 | 6 mi |
| Rochelle | CDP | 150 | n/a | $894 | 9 mi |
| Melvin | town | 114 | $70,313 | n/a | 13 mi |
McCulloch County next to its neighbors
Distances run center to center, from Concho County at 31 miles out to Coleman County at 49. Mason County leads the group on income ($74,180), Coleman County trails ($49,159), and McCulloch County out-earns 2 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| McCulloch County | - | $54,043 | $806/mo | 67% |
| Concho County, TX | 31 mi | $65,795 | $733/mo | 80% |
| San Saba County, TX | 32 mi | $55,819 | $958/mo | 72% |
| Mason County, TX | 35 mi | $74,180 | $800/mo | 80% |
| Menard County, TX | 37 mi | $53,043 | $729/mo | 81% |
| Brown County, TX | 44 mi | $57,470 | $919/mo | 68% |
| Coleman County, TX | 49 mi | $49,159 | $653/mo | 77% |
People and households in McCulloch County
Degree holders: 24% of adults over 25. 19.8% of residents have no health coverage.
| Residents | McCulloch County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 44.5 | 35.6 | 41.5 |
| Bachelor's or higher | 23.9% | 33.8% | 22.2% |
| No high school diploma | 13.6% | 14.0% | n/a |
| No health insurance | 19.8% | 17.1% | 7.8% |
| No vehicle | 4.3% | 5.4% | 5.4% |
| Work from home | 16.4% | 14.4% | 8.7% |
| Poverty rate | 15.3% | 13.8% | 13.2% |
| Unemployment (ACS) | 9.0% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 48.0% |
| 15 to 29 min | 28.3% |
| 30 to 44 min | 12.1% |
| 45 to 59 min | 6.9% |
| 60+ min | 4.7% |
Borrowing situations common in McCulloch County
A few patterns in the McCulloch County data, and the practical point behind each:
- Health costs. With 20% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Rent squeeze. 47% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Budget math at the McCulloch County median
How much room does a median McCulloch County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $54,043 a year is $4,504 of gross monthly income
- Rent at the median, $806, takes 18% of that
- With a 35% ceiling, about $770 remains for car, card, student and any new loan payments
- Under a 45% cap, $2,027 total minus rent leaves $1,221
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of McCulloch County's.
Steps before you apply in McCulloch County
Quick steps for McCulloch County:
- Price the McCulloch County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Keep a small cushion so one surprise bill does not mean another loan.
Licensing and complaints for McCulloch County
The Texas Department of Banking is the place to verify any lender's Texas license. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. A CFPB complaint gets forwarded to the company for a response. The Texas guide covers state rules in more detail.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
How much do households in McCulloch County earn?
The median is $54,043; 24% earn $100,000 or more and 33% under $35,000. A lender uses your own documented income, not this figure.
Is McCulloch County expensive for renters?
Median rent is $806 against $1,403 statewide, and 47% of renter households are cost-burdened.
Which towns does the McCulloch County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Brady, Rochelle, Melvin.
Can McCulloch 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.
Who regulates personal lenders for McCulloch 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.