1st Advantage MortgageThe median Motley County household earns $61,154, and 16% of residents live below the poverty line. 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
- Getting oriented in Motley County
- Rent, home values and ownership in Motley County
- Household income in Motley County
- Employment and commuting in Motley County
- Motley County and the counties next door
- Motley County towns compared
- Room for a loan payment in Motley County
- Before borrowing in Motley County
- Motley County residents: age, schooling, coverage
- Checklist for Motley County applicants
- Lender oversight for Motley County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Motley County
Roughly 1,183 residents live in Motley County, Texas, 244th by population among the state's 254 counties and county equivalents. It covers 990 square miles of land, or about 1 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 2 Census places inside Motley County, Matador leads by population with about 745; 2 of the 2 are incorporated. With so few households sampled, Motley County estimates can move a lot between releases.
Rent, home values and ownership in Motley County
Renters in Motley County pay a median of $675 a month, 52% below the Texas figure of $1,403. 18% of renting households spend 30% or more of income on rent, and 12% spend half or more. With a median value of $88,000, a typical Motley County house costs 1.4 times what the median household earns in a year. The ownership rate is 77%.
| Home costs | Motley County | Texas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $675/mo | $1,403/mo | $877/mo |
| Median home value | $88,000 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 18% | 52% | 45% |
| Burdened owners | 17% | 29% | n/a |
| Mobile homes | 9.1% | 6.4% | n/a |
In an owner-heavy county like Motley 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 Motley County
The median household income in Motley County is $61,154; statewide it is $78,476, so Motley County runs 22% below Texas as a whole. Only 154 Texas counties post a higher median.
| Income band | Share in Motley County | Difference from Texas |
|---|---|---|
| Under $35,000 | 29.1% | +7.7 pts |
| $35,000 to $99,999 | 50.2% | +10.8 pts |
| $100,000 to $199,999 | 15.4% | -11.3 pts |
| $200,000 or more | 5.2% | -7.3 pts |
About 29% of households earn under $35,000, while 21% clear $100,000. 16.1% of residents fall below the federal poverty line (statewide: 13.8%). None of these numbers decides a Motley County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Motley County
By the Census industry count, 28% of employed Motley County residents work in education and health care and 20% in agriculture, forestry and mining. Agriculture, forestry and mining stands out: 20% of workers here, versus 2% statewide. Averaged over the five survey years, 0.9% of the labor force was out of work and looking. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work. 2.6% of households have no vehicle.
| Top industries | Motley County share | +/- vs Texas |
|---|---|---|
| Education and health care | 27.9% | +6.3 pts |
| Agriculture, forestry and mining | 20.4% | +18.1 pts |
| Retail trade | 14.3% | +3.3 pts |
| Construction | 10.5% | +2.0 pts |
| Arts, lodging and food service | 5.6% | -2.9 pts |
| Public administration | 5.1% | +1.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Motley County should have bank statements and tax returns ready.
Motley County and the counties next door
Distances run center to center, from Floyd County at 29 miles out to Crosby County at 42. Income ranges from $45,417 in Briscoe County to $59,063 in Cottle County; none of these neighbors top Motley County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Motley County | - | $61,154 | $675/mo | 77% |
| Floyd County, TX | 29 mi | $58,462 | $676/mo | 73% |
| Cottle County, TX | 30 mi | $59,063 | $264/mo | 83% |
| Hall County, TX | 30 mi | $48,459 | $529/mo | 74% |
| Dickens County, TX | 31 mi | $49,335 | $758/mo | 80% |
| Briscoe County, TX | 40 mi | $45,417 | $631/mo | 83% |
| Crosby County, TX | 42 mi | $52,188 | $684/mo | 69% |
Motley County towns compared
The table lists the 2 largest of 2 Census places in Motley County, by population. Together all 2 hold about 992 people, so roughly 16% of residents live outside any named place. None of the 2 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Matador | town | 745 | $69,500 | $584 | 3 mi |
| Roaring Springs | town | 247 | $39,423 | $862 | 12 mi |
Room for a loan payment in Motley County
Here is the Motley County median household run through a simple DTI check. Your numbers will differ.
- $61,154 a year is $5,096 of gross monthly income
- Rent at the median, $675, takes 13% of that
- Under a 35% cap, $1,784 total minus rent leaves $1,109
- At 45%, room after rent is $1,618 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Motley County's.
Before borrowing in Motley County
Based on the Motley County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 21% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Benefit income. With half of residents older than 52, lenders often see pension and Social Security income, which counts like wages.
- Check your file. An error fixed before you apply can change the offers a Motley County borrower sees (free reports).
Motley County residents: age, schooling, coverage
College graduates make up 19% of the adult population. The uninsured rate is 20.7%, against 17.1% for Texas.
| Residents | Motley County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 52.3 | 35.6 | 41.5 |
| Bachelor's or higher | 19.3% | 33.8% | 22.2% |
| No high school diploma | 14.4% | 14.0% | n/a |
| No health insurance | 20.7% | 17.1% | 7.8% |
| No vehicle | 2.6% | 5.4% | 5.4% |
| Work from home | 13.8% | 14.4% | 8.7% |
| Poverty rate | 16.1% | 13.8% | 13.2% |
| Unemployment (ACS) | 0.9% | 5.3% | 4.4% |
Checklist for Motley County applicants
Steps that save money for Motley County residents:
- Price the Motley County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Lender oversight for Motley 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. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Texas guide.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
Is Motley County a high-income county?
Its $61,154 median ranks 155th of 254 Texas counties and compares with $65,681 for the median U.S. county.
Is Motley County expensive for renters?
Median rent is $675 against $1,403 statewide, and 18% of renter households are cost-burdened.
I live in a small Motley County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Matador, Roaring Springs.
Will a Motley County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in Motley County check a lender's license?
With the Texas Department of Banking. If a lender is unlicensed or asks for a fee before funding, walk away.