1st Advantage MortgageMedian rent in Reagan County is $746 a month against a median household income of $57,813, about 15% of income (ACS 2020-24). Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Reagan County offer.
On this page
- A quick profile of Reagan County
- Household income in Reagan County
- Rent, home values and ownership in Reagan County
- Reagan County at the extremes
- The Reagan County job picture
- Nearby counties: income, rent, ownership
- Places inside Reagan County
- Reagan County households compared
- $4,818 a month: the Reagan County median budget
- Borrowing situations common in Reagan County
- Before you sign
- Verifying a lender from Reagan County
- Keep exploring
- Frequently asked questions
A quick profile of Reagan County
With an estimated 3,232 residents (ACS 2020 to 2024), Reagan County ranks 219th of 254 in Texas for population. Land area is 1,175 square miles (2024 Gazetteer), so density runs near 3 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Largest place: Big Lake, about 2,990 residents (93% of Reagan County); 1 Census place in all. Small populations mean wide margins of error, so read every Reagan County figure on this page as a rough guide.
Household income in Reagan County
Median household income in Reagan County: $57,813 (26% below Texas, $78,476). Only 189 Texas counties post a higher median.
| Income band | Share in Reagan County | Difference from Texas |
|---|---|---|
| Under $35,000 | 25.5% | +4.1 pts |
| $35,000 to $99,999 | 43.0% | +3.6 pts |
| $100,000 to $199,999 | 26.0% | -0.7 pts |
| $200,000 or more | 5.5% | -7.0 pts |
The spread is wide: 32% of Reagan County households make $100,000 or more, and 25% make less than $35,000. Census counts 11.8% of Reagan County residents in poverty, against 13.8% across Texas. The Gini index of income inequality is 0.449 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Rent, home values and ownership in Reagan County
Reagan County rent at the median: $746 a month, utilities in ($1,403 in Texas). 14% of renting households spend 30% or more of income on rent, and 14% spend half or more. Median value $171,500; median income $57,813; ratio 3.0. Homeowners 70%, renters 30%. Half the housing stock was built before 1982.
| Measure | Reagan County | Texas | Gap |
|---|---|---|---|
| Rent-burdened renters | 14% | 52% | -37.9 pts |
| Vacant units | 23% | 9% | +13.3 pts |
| Mobile homes | 18.0% | 6.4% | +11.6 pts |
| Owners | 70% | 63% | +7.4 pts |
| Median gross rent | $746/mo | $1,403/mo | 47% lower |
| Median home value | $171,500 | $283,800 | 40% lower |
| Burdened owners | 29% | 29% | +0.5 pts |
Reagan County at the extremes
Out of every Texas county, Reagan County is most unusual on these measures.
- On median age, Reagan County sits near the bottom of Texas at 30.0, 8th lowest of 254. A young county means many first-time borrowers; read every fee line.
- Few Texas counties match Reagan County on the share of renters paying 30% or more of income for rent: 14% here, 52% for the state, ranking 9th lowest of 249. Rents are manageable for most, which can leave space for savings.
- Few Texas counties match Reagan County on households without a vehicle: 1.9% here, 5.4% for the state, ranking 14th lowest of 253. Car ownership is close to universal, and so are repair bills.
The Reagan County job picture
The biggest employer of Reagan County residents, by industry, is agriculture, forestry and mining at 27% of workers, followed by education and health care (19%). The sharpest difference from the state is in agriculture, forestry and mining, at 27% locally and 2% for Texas. The survey's unemployment rate for Reagan County averages 5.0% over 2020 to 2024 (state: 5.3%). About 78% drive to work alone and 18% have trips of 45 minutes or more. No car: 1.9% of Reagan County households.
| Top industries | Reagan County share | +/- vs Texas |
|---|---|---|
| Agriculture, forestry and mining | 27.5% | +25.2 pts |
| Education and health care | 18.7% | -2.9 pts |
| Retail trade | 13.5% | +2.5 pts |
| Construction | 9.4% | +0.8 pts |
| Transportation, warehousing and utilities | 5.2% | -1.5 pts |
| Public administration | 4.9% | +0.8 pts |
Self-employed in Reagan County? Two years of tax returns usually stand in for pay stubs.
Nearby counties: income, rent, ownership
Nearest neighbors first, measured between county centers (31 to 46 miles). Glasscock County leads the group on income ($101,250), Upton County trails ($49,167), and Reagan County out-earns 1 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Reagan County | - | $57,813 | $746/mo | 70% |
| Upton County, TX | 31 mi | $49,167 | $720/mo | 77% |
| Irion County, TX | 32 mi | $70,357 | $1,950/mo | 83% |
| Glasscock County, TX | 34 mi | $101,250 | $648/mo | 68% |
| Sterling County, TX | 42 mi | $64,954 | $952/mo | 78% |
| Midland County, TX | 42 mi | $92,874 | $1,407/mo | 68% |
| Crockett County, TX | 46 mi | $81,022 | $558/mo | 74% |
Places inside Reagan County
Big Lake is the only Census place mainly inside Reagan County, with about 2,990 of the county's 3,232 residents. Big Lake and every other Reagan County community use this county guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Big Lake | city | 2,990 | $71,471 | $746 | 13 mi |
Reagan County households compared
Degree holders: 14% of adults over 25. Uninsured, Reagan County: 19.0%; Texas: 17.1%.
| People and households | Reagan County | Compared with Texas | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 13.6% | -20.2 pts | -8.6 pts |
| Work from home | 5.2% | -9.1 pts | -3.4 pts |
| Median age | 30.0 | -5.6 yrs | -11.5 yrs |
| No vehicle | 1.9% | -3.5 pts | -3.5 pts |
| Poverty rate | 11.8% | -2.0 pts | -1.4 pts |
| No health insurance | 19.0% | +1.9 pts | +11.2 pts |
| No high school diploma | 12.7% | -1.4 pts | n/a |
| Unemployment (ACS) | 5.0% | -0.3 pts | +0.6 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 66.0% |
| 15 to 29 min | 9.3% |
| 30 to 44 min | 6.3% |
| 45 to 59 min | 4.7% |
| 60+ min | 13.8% |
$4,818 a month: the Reagan County median budget
Reagan County's $57,813 median income, run through a debt-to-income check:
- Median income divided by twelve: $4,818 before taxes
- 15% goes to median rent ($746)
- $988: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Reagan County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Reagan County
Where the Reagan County numbers stand out, and why it matters for a loan:
- 19% uninsured. In Reagan County, ask for an itemized bill and a payment plan first (medical bills).
- Vehicle repairs. 18% of Reagan County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Repairs on manufactured housing. With 18% of homes here, compare a personal loan with any dealer or park repair program.
Before you sign
Before you apply, wherever you live in Reagan County:
- Price the Reagan County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- A Texas license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Verifying a lender from Reagan County
Before sharing details with a lender, a Reagan County resident can confirm its license with the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Texas state guide for the statewide picture.
Keep exploring
No city in Reagan County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Reagan County earn?
The median is $57,813; 32% earn $100,000 or more and 25% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Reagan County?
Median gross rent, utilities included, is $746 a month; 14% of renters spend 30% or more of income on it.
Which towns does the Reagan County guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Big Lake.
Does living in Reagan County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Reagan County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Reagan County residents?
The Texas Department of Banking licenses consumer lenders in Texas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.