1st Advantage MortgageThe median Navarro County household earns $63,111, and 17% of residents live below the poverty line. 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
- Who lives in Navarro County
- Housing costs in Navarro County
- How much Navarro County households make
- Work, industries and travel time in Navarro County
- Places inside Navarro County
- Regional comparison for Navarro County
- A Navarro County household budget, worked through
- Borrowing situations common in Navarro County
- People and households in Navarro County
- Licensing and complaints for Navarro County
- Checklist for Navarro County applicants
- More guides for Navarro County
- Frequently asked questions
Who lives in Navarro County
With an estimated 54,711 residents (ACS 2020 to 2024), Navarro County ranks 62nd of 254 in Texas for population. It covers 1,010 square miles of land, or about 54 people per square mile. No metropolitan area includes Navarro County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Corsicana is the biggest of its 19 Census places, at roughly 25,511 people (47% of the county total).
Housing costs in Navarro County
Median gross rent, utilities included, comes to $1,076 in Navarro County versus $1,403 statewide. 46% of renting households spend 30% or more of income on rent, and 16% spend half or more. Home values center on $172,600, or 2.7 years of median income. 69% of Navarro County households own their home and 31% rent. Half the housing stock was built before 1983.
| Measure | Navarro County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,076/mo | $1,403/mo | $877/mo |
| Median home value | $172,600 | $283,800 | $185,300 |
| Owners | 69% | 63% | 75% |
| Rent-burdened renters | 46% | 52% | 45% |
| Burdened owners | 32% | 29% | n/a |
| Mobile homes | 18.6% | 6.4% | n/a |
| Vacant units | 14% | 9% | n/a |
How much Navarro County households make
Navarro County households have a median income of $63,111 (ACS 2020 to 2024), which ranks 139th of 254 in Texas.
| Household income | Navarro County | vs Texas |
|---|---|---|
| Under $35,000 | 27.4% | +6.0 pts |
| $35,000 to $99,999 | 41.5% | +2.1 pts |
| $100,000 to $199,999 | 25.6% | -1.2 pts |
| $200,000 or more | 5.6% | -6.9 pts |
About 27% of households earn under $35,000, while 31% clear $100,000. The poverty rate is 17.1%, 3 points higher than the state's 13.8%. A household earning below the $63,111 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Navarro County
The biggest employer of Navarro County residents, by industry, is education and health care at 23% of workers, followed by manufacturing (15%). Compared with Texas, the county leans toward manufacturing (15% against 9%). The survey's unemployment rate for Navarro County averages 4.4% over 2020 to 2024 (state: 5.3%). About 79% drive to work alone and 19% have trips of 45 minutes or more. Only 4.5% of homes here go without a vehicle.
| Industry (employed residents 16+) | Navarro County | Gap to Texas |
|---|---|---|
| Education and health care | 22.7% | +1.1 pts |
| Manufacturing | 15.1% | +6.6 pts |
| Retail trade | 14.0% | +3.0 pts |
| Construction | 10.4% | +1.9 pts |
| Arts, lodging and food service | 8.3% | -0.1 pts |
| Professional and administrative services | 5.6% | -7.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Navarro County should have bank statements and tax returns ready.
Places inside Navarro County
Here are the 14 most populous of the county's 19 Census places, with income and rent from the same 2020 to 2024 survey. About 64% of Navarro County residents live in one of the 19. Frost has the highest median household income on the list ($115,500) and Dawson the lowest ($51,042), counting places with at least 500 residents. Median rent ranges from $748 in Dawson to $1,513 in Rice. Live in one of these Navarro County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Corsicana | city | 25,511 | $57,212 | $1,093 | 2 mi |
| Kerens | city | 1,778 | $56,771 | $884 | 16 mi |
| Dawson | town | 1,322 | $51,042 | $748 | 18 mi |
| Rice | city | 1,241 | $65,958 | $1,513 | 13 mi |
| Frost | city | 968 | $115,500 | $850 | 20 mi |
| Retreat | town | 707 | $85,179 | n/a | 0 mi |
| Blooming Grove | town | 658 | $76,771 | $1,158 | 14 mi |
| Angus | city | 475 | $76,250 | $1,375 | 4 mi |
| Oak Valley | town | 364 | $85,000 | n/a | 3 mi |
| Richland | town | 353 | $56,667 | n/a | 9 mi |
| Mildred | town | 312 | $81,500 | n/a | 9 mi |
| Eureka | city | 310 | $81,250 | n/a | 12 mi |
| Navarro | town | 288 | $62,292 | $1,089 | 6 mi |
| Barry | city | 236 | $67,500 | $1,056 | 10 mi |
Regional comparison for Navarro County
Ellis County is closest, 28 miles from center to center; the sixth, Kaufman County, is 40 miles off. Ellis County leads the group on income ($99,595), Freestone County trails ($59,960), and Navarro County out-earns 2 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Navarro County | - | $63,111 | $1,076/mo | 69% |
| Ellis County, TX | 28 mi | $99,595 | $1,594/mo | 76% |
| Freestone County, TX | 31 mi | $59,960 | $853/mo | 75% |
| Limestone County, TX | 35 mi | $60,573 | $905/mo | 72% |
| Henderson County, TX | 38 mi | $65,179 | $1,048/mo | 78% |
| Hill County, TX | 39 mi | $64,591 | $946/mo | 78% |
| Kaufman County, TX | 40 mi | $89,485 | $1,554/mo | 78% |
A Navarro County household budget, worked through
How much room does a median Navarro County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $5,259 a month: gross income for a household at the Navarro County median
- Rent at the median, $1,076, takes 20% of that
- With a 43% ceiling, about $1,185 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 Navarro County's.
Borrowing situations common in Navarro County
The county's numbers point to a few situations that come up often for Navarro County borrowers.
- Medical bills. 18% of Navarro County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Commuter costs. 19% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Repairs on manufactured housing. With 19% of homes here, compare a personal loan with any dealer or park repair program.
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
People and households in Navarro County
Degree holders: 18% of adults over 25. About 18% go without health insurance.
| Measure | Navarro County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 36.7 | 35.6 | 41.5 |
| Bachelor's or higher | 18.2% | 33.8% | 22.2% |
| No high school diploma | 20.8% | 14.0% | n/a |
| No health insurance | 18.4% | 17.1% | 7.8% |
| No vehicle | 4.5% | 5.4% | 5.4% |
| Work from home | 9.1% | 14.4% | 8.7% |
| Poverty rate | 17.1% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.4% | 5.3% | 4.4% |
| Minutes to work | Navarro County workers |
|---|---|
| Under 15 min | 37.8% |
| 15 to 29 min | 28.6% |
| 30 to 44 min | 14.6% |
| 45 to 59 min | 4.5% |
| 60+ min | 14.4% |
Licensing and complaints for Navarro 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.
Checklist for Navarro County applicants
Before you apply, wherever you live in Navarro County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Texas borrowers.
- Confirm the first due date before setting up autopay.
More guides for Navarro County
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Navarro County household make?
About $63,111 a year at the median (ACS 2020-24), 20% below the Texas median.
Is Navarro County expensive for renters?
Median rent is $1,076 against $1,403 statewide, and 46% of renter households are cost-burdened.
I live in a small Navarro County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Corsicana, Kerens, Dawson, Rice, Frost and 14 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Navarro County or elsewhere in Texas, the same rules apply.
Who do I complain to about a lender in Navarro County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.