1st Advantage MortgageMorris County households have a median income of $58,645 and median rent of $859 a month (ACS 2020 to 2024). 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
- Morris County, TX: the basics
- Housing costs in Morris County
- Income in Morris County compared with Texas
- How Morris County residents earn a living
- Morris County and the counties next door
- The communities that make up Morris County
- People and households in Morris County
- Local borrowing considerations for Morris County
- Debt-to-income at Morris County's medians
- Checking a lender's license in Texas
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Morris County, TX: the basics
With an estimated 12,076 residents (ACS 2020 to 2024), Morris County ranks 155th of 254 in Texas for population. It covers 252 square miles of land, or about 48 people per square mile. No metropolitan area includes Morris County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 5 Census places inside Morris County, Daingerfield leads by population with about 2,529; 5 of the 5 are incorporated.
Housing costs in Morris County
Median gross rent, utilities included, comes to $859 in Morris County versus $1,403 statewide. By the Census definition, 42% of Morris County renters are cost-burdened. With a median value of $120,400, a typical Morris County house costs 2.1 times what the median household earns in a year. 74% of Morris County households own their home and 26% rent. Median construction year: 1975.
| Housing | Morris County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $859/mo | $1,403/mo | $877/mo |
| Median home value | $120,400 | $283,800 | $185,300 |
| Owners | 74% | 63% | 75% |
| Rent-burdened renters | 42% | 52% | 45% |
| Burdened owners | 36% | 29% | n/a |
| Mobile homes | 13.2% | 6.4% | n/a |
Because most Morris 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.
Income in Morris County compared with Texas
Half of Morris County households take in less than $58,645 a year and half take in more, 25% below the Texas median of $78,476.
| Household income | Morris County | vs Texas |
|---|---|---|
| Under $35,000 | 31.9% | +10.5 pts |
| $35,000 to $99,999 | 43.3% | +3.9 pts |
| $100,000 to $199,999 | 22.6% | -4.1 pts |
| $200,000 or more | 2.2% | -10.3 pts |
The spread is wide: 25% of Morris County households make $100,000 or more, and 32% make less than $35,000. 19.5% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.399 (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 Morris County median.
How Morris County residents earn a living
By the Census industry count, 30% of employed Morris County residents work in education and health care and 17% in manufacturing. Education and health care stands out: 30% of workers here, versus 22% statewide. The survey's unemployment rate for Morris County averages 7.1% over 2020 to 2024 (state: 5.3%). Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work. Households without a car make up 4.9% of the total (5.4% statewide).
| Sector | Morris County | Compared with Texas |
|---|---|---|
| Education and health care | 29.9% | +8.3 pts |
| Manufacturing | 16.6% | +8.0 pts |
| Retail trade | 14.5% | +3.5 pts |
| Public administration | 6.5% | +2.4 pts |
| Transportation, warehousing and utilities | 6.0% | -0.8 pts |
| Finance, insurance and real estate | 5.7% | -1.4 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Morris County and the counties next door
Titus County is closest, 15 miles from center to center; the sixth, Upshur County, is 29 miles off. 4 of the six report a higher median household income than Morris County; Franklin County is highest at $72,360 and Cass County lowest at $53,813.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Morris County | - | $58,645 | $859/mo | 74% |
| Titus County, TX | 15 mi | $58,425 | $907/mo | 71% |
| Camp County, TX | 17 mi | $58,843 | $801/mo | 77% |
| Cass County, TX | 22 mi | $53,813 | $852/mo | 77% |
| Franklin County, TX | 29 mi | $72,360 | $936/mo | 82% |
| Bowie County, TX | 29 mi | $59,803 | $988/mo | 63% |
| Upshur County, TX | 29 mi | $66,208 | $995/mo | 81% |
The communities that make up Morris County
5 Census places fall mainly inside Morris County; the 5 biggest are below. They account for 8,581 residents, leaving about 29% of the county in unincorporated, unnamed areas. Incomes vary by place: $57,500 at the median in Daingerfield, $34,696 in Naples. Rent is cheapest in Lone Star ($752) and steepest in Daingerfield ($920). No Morris County place has a separate guide yet; this county page serves all 5.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Daingerfield | city | 2,529 | $57,500 | $920 | 6 mi |
| Hughes Springs | city | 1,781 | $52,778 | $896 | 10 mi |
| Lone Star | city | 1,543 | $38,646 | $752 | 12 mi |
| Naples | city | 1,412 | $34,696 | $800 | 7 mi |
| Omaha | city | 1,316 | $55,500 | n/a | 5 mi |
People and households in Morris County
College graduates make up 16% of the adult population. The uninsured rate is 12.7%, against 17.1% for Texas.
| People and households | Morris County | Texas | Median county |
|---|---|---|---|
| Median age | 42.1 | 35.6 | 41.5 |
| Bachelor's or higher | 16.0% | 33.8% | 22.2% |
| No high school diploma | 13.2% | 14.0% | n/a |
| No health insurance | 12.7% | 17.1% | 7.8% |
| No vehicle | 4.9% | 5.4% | 5.4% |
| Work from home | 5.1% | 14.4% | 8.7% |
| Poverty rate | 19.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 7.1% | 5.3% | 4.4% |
| Commute length | Morris County |
|---|---|
| Under 15 min | 27.2% |
| 15 to 29 min | 37.4% |
| 30 to 44 min | 17.1% |
| 45 to 59 min | 11.5% |
| 60+ min | 6.8% |
Local borrowing considerations for Morris County
The county's numbers point to a few situations that come up often for Morris County borrowers.
- Uninsured care. 13% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Long drives. With 18% of commutes over 45 minutes, tires and repairs are fixed costs in many Morris County budgets.
- Manufactured homes. 13% of Morris County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Lower-cost alternatives. In a county with 19% in poverty, nonprofit credit counseling may beat a loan (options).
Debt-to-income at Morris County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Morris County household at the medians it works out like this; treat it as an illustration only.
- Start: $4,887 gross per month ($58,645 / 12)
- Median rent: $859, or 18 cents of every gross dollar
- Under a 43% cap, $2,101 total minus rent leaves $1,242
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Morris County's.
Checking a lender's license in Texas
Before sharing details with a lender, a Morris County resident can confirm its license with the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. The Consumer Financial Protection Bureau accepts complaints nationwide. The Texas guide covers state rules in more detail.
Before you sign
Quick steps for Morris County:
- Price the Morris County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Texas license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Morris County?
$58,645 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 183rd of 254 in the state.
How does Morris County rent compare with Texas?
$859 locally versus $1,403 for the state, 39% below.
Should Morris County homeowners use home equity instead?
Maybe, but weigh the risk: 74% of Morris County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Daingerfield?
Yes, along with the other 4 Census places in Morris County, such as Hughes Springs, Lone Star, Naples.
Will a Morris County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.