1st Advantage MortgageIn Nacogdoches County, Texas, the typical household earns $53,555 a year and the typical rent is $965. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Texas before sharing details.
On this page
- Nacogdoches County at a glance
- Paychecks and income spread in Nacogdoches County
- What it costs to live in Nacogdoches County
- Jobs and commutes in Nacogdoches County
- Cities, towns and CDPs in Nacogdoches County
- Counties near Nacogdoches County
- Room for a loan payment in Nacogdoches County
- Who lives in Nacogdoches County, in numbers
- Reading the Nacogdoches County data as a borrower
- Before you sign
- Texas rules that apply in Nacogdoches County
- Nearby and statewide guides
- Frequently asked questions
Nacogdoches County at a glance
With an estimated 65,162 residents (ACS 2020 to 2024), Nacogdoches County ranks 56th of 254 in Texas for population. Packed into 946 square miles, that is close to 69 residents for every square mile of land. No metropolitan area includes Nacogdoches County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 6 Census places inside Nacogdoches County, Nacogdoches leads by population with about 32,197; 5 of the 6 are incorporated.
Paychecks and income spread in Nacogdoches County
Nacogdoches County households have a median income of $53,555 (ACS 2020 to 2024), which ranks 211th of 254 in Texas.
| Income band | Share in Nacogdoches County | Difference from Texas |
|---|---|---|
| Under $35,000 | 34.4% | +13.0 pts |
| $35,000 to $99,999 | 41.0% | +1.6 pts |
| $100,000 to $199,999 | 18.9% | -7.9 pts |
| $200,000 or more | 5.7% | -6.7 pts |
The spread is wide: 25% of Nacogdoches County households make $100,000 or more, and 34% make less than $35,000. The poverty rate is 21.8%, 8 points higher than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.509 here. For a borrower in Nacogdoches 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.
What it costs to live in Nacogdoches County
A typical Nacogdoches County rental runs $965 a month including utilities, which is 31% below Texas. By the Census definition, 58% of Nacogdoches County renters are cost-burdened. Home values center on $169,200, or 3.2 years of median income. 59% of Nacogdoches County households own their home and 41% rent. Half the housing stock was built before 1985.
| Housing | Nacogdoches County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $965/mo | $1,403/mo | $877/mo |
| Median home value | $169,200 | $283,800 | $185,300 |
| Owners | 59% | 63% | 75% |
| Rent-burdened renters | 58% | 52% | 45% |
| Burdened owners | 23% | 29% | n/a |
| Mobile homes | 19.8% | 6.4% | n/a |
When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Jobs and commutes in Nacogdoches County
By the Census industry count, 28% of employed Nacogdoches County residents work in education and health care and 13% in retail trade. Compared with Texas, the county leans toward education and health care (28% against 22%). The survey's unemployment rate for Nacogdoches County averages 7.0% over 2020 to 2024 (state: 5.3%). 10% of commuters travel 45 minutes or more each way, and 7% work from home.
| Top industries | Nacogdoches County share | +/- vs Texas |
|---|---|---|
| Education and health care | 28.1% | +6.5 pts |
| Retail trade | 12.6% | +1.6 pts |
| Manufacturing | 11.0% | +2.4 pts |
| Arts, lodging and food service | 10.6% | +2.1 pts |
| Construction | 7.4% | -1.1 pts |
| Professional and administrative services | 6.2% | -6.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Cities, towns and CDPs in Nacogdoches 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 55% of Nacogdoches County residents live in one of the 6. Redfield has the highest median household income on the list ($103,750) and Nacogdoches the lowest ($39,281), counting places with at least 500 residents. Median rent ranges from $723 in Chireno to $964 in Nacogdoches. No Nacogdoches County place has a separate guide yet; this county page serves all 6.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Nacogdoches | city | 32,197 | $39,281 | $964 | 2 mi |
| Garrison | city | 1,065 | $48,125 | $853 | 16 mi |
| Cushing | city | 784 | $63,182 | $950 | 19 mi |
| Redfield | CDP | 625 | $103,750 | n/a | 5 mi |
| Appleby | city | 619 | $83,750 | $956 | 7 mi |
| Chireno | city | 589 | $71,250 | $723 | 18 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Counties near Nacogdoches County
Nearest neighbors first, measured between county centers (25 to 42 miles). Rusk County leads the group on income ($68,658), Shelby County trails ($49,776), and Nacogdoches County out-earns 2 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Nacogdoches County | - | $53,555 | $965/mo | 59% |
| Angelina County, TX | 25 mi | $60,960 | $1,076/mo | 64% |
| Shelby County, TX | 30 mi | $49,776 | $781/mo | 74% |
| San Augustine County, TX | 32 mi | $50,408 | $591/mo | 75% |
| Rusk County, TX | 35 mi | $68,658 | $1,015/mo | 79% |
| Cherokee County, TX | 35 mi | $61,261 | $933/mo | 74% |
| Panola County, TX | 42 mi | $64,894 | $834/mo | 80% |
Room for a loan payment in Nacogdoches County
Here is the Nacogdoches County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Nacogdoches County: $4,463
- Median rent: $965, or 22 cents of every gross dollar
- 36% debt-to-income limit: $642 left for all other debt payments
- $954: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Nacogdoches County land in very different places on this math, so run it for your own budget.
Who lives in Nacogdoches County, in numbers
College graduates make up 28% of the adult population. About 15% go without health insurance.
| Nacogdoches County | Texas | U.S. county median | |
|---|---|---|---|
| Median age | 31.9 | 35.6 | 41.5 |
| Bachelor's or higher | 28.2% | 33.8% | 22.2% |
| No high school diploma | 14.1% | 14.0% | n/a |
| No health insurance | 15.4% | 17.1% | 7.8% |
| No vehicle | 6.1% | 5.4% | 5.4% |
| Work from home | 7.1% | 14.4% | 8.7% |
| Poverty rate | 21.8% | 13.8% | 13.2% |
| Unemployment (ACS) | 7.0% | 5.3% | 4.4% |
| One-way commute | Share of Nacogdoches County workers |
|---|---|
| Under 15 min | 47.4% |
| 15 to 29 min | 32.4% |
| 30 to 44 min | 10.0% |
| 45 to 59 min | 4.2% |
| 60+ min | 6.0% |
Reading the Nacogdoches County data as a borrower
Where the Nacogdoches County numbers stand out, and why it matters for a loan:
- Uninsured care. 15% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Repairs on manufactured housing. With 20% of homes here, compare a personal loan with any dealer or park repair program.
- Assistance before credit. With a 22% poverty rate, check no-cost options before any Nacogdoches County loan.
- Renters under pressure. When 58% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Before you sign
Steps that save money for Nacogdoches County residents:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Texas rules that apply in Nacogdoches County
No county office licenses personal lenders. For Nacogdoches County, check the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Federal complaints: consumerfinance.gov. Statewide data and rules: Texas guide.
Nearby and statewide guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Nacogdoches County a high-income county?
Its $53,555 median ranks 211th of 254 Texas counties and compares with $65,681 for the median U.S. county.
How much is rent in Nacogdoches County?
Median gross rent, utilities included, is $965 a month; 58% of renters spend 30% or more of income on it.
What are the biggest places in Nacogdoches County?
By population: Nacogdoches, Garrison, Cushing, Redfield, Appleby. The county has 6 Census places in all.
Is the fit check different in Nacogdoches County?
No. It is identical everywhere, and it never looks at your neighborhood.
Where can someone in Nacogdoches 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.