1st Advantage Mortgage23% of Newton County households earn $100,000 or more; the median is $42,618 (ACS 2020-24). Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Newton County applicant for an upfront fee.
On this page
- Newton County by the numbers
- What stands out in Newton County
- Work, industries and travel time in Newton County
- Renting and owning in Newton County
- Paychecks and income spread in Newton County
- Census places in Newton County
- How Newton County compares with nearby counties
- What the numbers mean for Newton County borrowers
- A Newton County household budget, worked through
- Age, degrees and coverage in Newton County
- Texas rules that apply in Newton County
- Before you sign
- Keep exploring
- Frequently asked questions
Newton County by the numbers
Roughly 12,093 residents live in Newton County, Texas, 154th by population among the state's 254 counties and county equivalents. Its 934 square miles average 13 people per square mile, by the 2024 Census Gazetteer. Newton County is classed as nonmetropolitan in the OMB's July 2023 list. Of the 3 Census places inside Newton County, Newton leads by population with about 2,534; 1 of the 3 are incorporated.
What stands out in Newton County
The 4 Newton County numbers that rank furthest from typical in Texas, and what each means for a borrower:
- On the share of mobile homes, Newton County sits near the top of Texas at 35.2%, 6th highest of 254. Repairs on manufactured homes are a common loan purpose; get written quotes.
- Few Texas counties match Newton County on the share of adults with a bachelor's degree: 7% here, 34% for the state, ranking the lowest of 253. No degree is required for a personal loan; documented income is.
- Newton County ranks 10th highest of 253 Texas counties for the share of commutes over 45 minutes: 33%, against 17% statewide. Long drives make car repairs a common emergency; get two written quotes.
- Few Texas counties match Newton County on median household income: $42,618 here, $78,476 for the state, ranking 10th lowest of 254. Where incomes run low, free assistance and credit-union small-dollar loans deserve a look first.
Work, industries and travel time in Newton County
Top Newton County industry by residents employed: education and health care, 20%; second, construction, 15%. Compared with Texas, the county leans toward construction (15% against 9%). Unemployment in Newton County, ACS five-year: 8.3%; Texas: 5.3%. 20% of Newton County workers get to work in under 15 minutes, while 33% need 45 or more.
| Industry | Share of Newton County workers | vs Texas |
|---|---|---|
| Education and health care | 20.3% | -1.3 pts |
| Construction | 14.7% | +6.2 pts |
| Manufacturing | 12.9% | +4.4 pts |
| Retail trade | 9.0% | -2.0 pts |
| Professional and administrative services | 8.8% | -4.0 pts |
| Transportation, warehousing and utilities | 7.2% | +0.5 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Renting and owning in Newton County
Newton County rent at the median: $1,001 a month, utilities in ($1,403 in Texas). 48% of renting households spend 30% or more of income on rent, and 21% spend half or more. The median owner-occupied home is valued at $103,100, about 2.4 times the median household income. Homeowners 83%, renters 17%. Nationally, Newton County's $1,001 rent is 14% above the middle county.
| Measure | Newton County | Texas | Gap |
|---|---|---|---|
| Owners | 83% | 63% | +20.3 pts |
| Burdened owners | 18% | 29% | -10.6 pts |
| Median home value | $103,100 | $283,800 | 64% lower |
| Rent-burdened renters | 48% | 52% | -4.2 pts |
| Median gross rent | $1,001/mo | $1,403/mo | 29% lower |
In an owner-heavy county like Newton 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.
Paychecks and income spread in Newton County
Median household income in Newton County: $42,618 (46% below Texas, $78,476). Only 244 Texas counties post a higher median.
| Band | Newton County | Compared with Texas |
|---|---|---|
| Under $35,000 | 42.1% | +20.7 pts |
| $35,000 to $99,999 | 35.3% | -4.0 pts |
| $100,000 to $199,999 | 16.7% | -10.1 pts |
| $200,000 or more | 5.9% | -6.6 pts |
About 42% of households earn under $35,000, while 23% clear $100,000. Poverty rate, Newton County: 19.0%; Texas: 13.8%. Gini index for Newton County: 0.482. For a borrower in Newton 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.
Census places in Newton County
Places, by size: the top 3 of 3. Roughly 73% of Newton County lives outside all of them, in open country or unnamed settlements. This guide covers each of the 3 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Newton | city | 2,534 | $56,172 | $1,032 | 5 mi |
| Deweyville | CDP | 357 | n/a | n/a | 34 mi |
| South Toledo Bend | CDP | 336 | $61,786 | n/a | 27 mi |
A CDP is a named community without its own municipal government.
How Newton County compares with nearby counties
Nearest neighbors first, measured between county centers (17 to 45 miles). Newton County's $42,618 median trails 6 of the six and beats 0; the range runs $55,396 (Tyler County) to $67,564 (Calcasieu Parish). The list crosses into Louisiana, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Newton County | - | $42,618 | $1,001/mo | 83% |
| Jasper County, TX | 17 mi | $56,723 | $848/mo | 79% |
| Beauregard Parish, LA | 26 mi | $65,944 | $898/mo | 85% |
| Tyler County, TX | 38 mi | $55,396 | $1,049/mo | 81% |
| Sabine County, TX | 39 mi | $66,585 | $844/mo | 86% |
| Vernon Parish, LA | 39 mi | $57,270 | $1,068/mo | 56% |
| Calcasieu Parish, LA | 45 mi | $67,564 | $1,109/mo | 73% |
What the numbers mean for Newton County borrowers
What the Newton County figures suggest, and what to check first:
- Health costs. With 19% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- 33% long commutes. A Newton County repair bill is often urgent; compare the shop's financing with a loan in writing.
- 35% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Fixed incomes. Newton County's median age is 46.1. Social Security and pensions count as income when documented.
A Newton County household budget, worked through
Here is the Newton County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $3,552 before taxes
- Rent at the median, $1,001, takes 28% of that
- 43% debt-to-income limit: $526 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Age, degrees and coverage in Newton County
In Newton County, 7% of adults have at least a four-year degree (34% in Texas). About 19% go without health insurance.
| Newton County | vs Texas | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 6.8% | -27.0 pts | -15.3 pts |
| Median age | 46.1 | +10.5 yrs | +4.6 yrs |
| Work from home | 7.1% | -7.3 pts | -1.6 pts |
| Poverty rate | 19.0% | +5.2 pts | +5.8 pts |
| Unemployment (ACS) | 8.3% | +3.0 pts | +3.9 pts |
| No health insurance | 19.2% | +2.0 pts | +11.3 pts |
| No vehicle | 6.9% | +1.4 pts | +1.4 pts |
| No high school diploma | 14.6% | +0.5 pts | n/a |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 19.7% |
| 15 to 29 min | 23.2% |
| 30 to 44 min | 23.9% |
| 45 to 59 min | 12.5% |
| 60+ min | 20.6% |
Texas rules that apply in Newton County
Before sharing details with a lender, a Newton County resident can confirm its license with the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Nationally, Newton County residents can file with the CFPB. The Texas guide covers state rules in more detail.
Before you sign
A short checklist for Newton County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Keep exploring
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Newton County a high-income county?
Its $42,618 median ranks 245th of 254 Texas counties and compares with $65,681 for the median U.S. county.
What is the median rent in Newton County, TX?
$1,001 a month, utilities included, or $12,012 a year.
I live near Newton. Which guide is mine?
This one. Newton and the rest of Newton County have no separate city guide.
Will a Newton County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
How do I know a lender is legitimate in Newton County?
Look it up with the Texas Department of Banking, read the written offer, and refuse any fee before funding.