1st Advantage MortgageAbout 71% of Red River County homes are owner-occupied, and the median household income is $48,491. 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 Red River County
- How Red River County residents earn a living
- What Red River County households earn
- What it costs to live in Red River County
- How Red River County compares with nearby counties
- Red River County towns compared
- Debt-to-income at Red River County's medians
- Who lives in Red River County, in numbers
- What the numbers mean for Red River County borrowers
- Texas rules that apply in Red River County
- Steps before you apply in Red River County
- More guides for Red River County
- Frequently asked questions
Who lives in Red River County
Red River County is home to about 11,611 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 158th most populous of 254 county-level areas in Texas. Land area is 1,044 square miles (2024 Gazetteer), so density runs near 11 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 6 Census places inside Red River County, Clarksville leads by population with about 2,853; 6 of the 6 are incorporated.
How Red River County residents earn a living
By the Census industry count, 23% of employed Red River County residents work in education and health care and 16% in manufacturing. Manufacturing stands out: 16% of workers here, versus 9% statewide. The survey's unemployment rate for Red River County averages 2.0% over 2020 to 2024 (state: 5.3%). About 74% drive to work alone and 24% have trips of 45 minutes or more. Households without a car make up 2.6% of the total (5.4% statewide).
| Where residents work | Red River County | Difference from Texas |
|---|---|---|
| Education and health care | 23.1% | +1.5 pts |
| Manufacturing | 15.5% | +7.0 pts |
| Construction | 11.9% | +3.4 pts |
| Retail trade | 9.8% | -1.2 pts |
| Professional and administrative services | 6.7% | -6.2 pts |
| Finance, insurance and real estate | 6.2% | -0.9 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.
What Red River County households earn
Red River County households have a median income of $48,491 (ACS 2020 to 2024), which ranks 232nd of 254 in Texas.
| Yearly household income | Red River County | Gap to Texas |
|---|---|---|
| Under $35,000 | 36.7% | +15.3 pts |
| $35,000 to $99,999 | 41.2% | +1.8 pts |
| $100,000 to $199,999 | 19.0% | -7.8 pts |
| $200,000 or more | 3.1% | -9.4 pts |
Some 37% of households here live on less than $35,000 a year; 22% have six-figure incomes. Census counts 15.6% of Red River County residents in poverty, against 13.8% across Texas. For a borrower in Red River 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 Red River County
A typical Red River County rental runs $1,044 a month including utilities, which is 26% below Texas. By the Census definition, 55% of Red River County renters are cost-burdened. Home values center on $121,500, or 2.5 years of median income. The ownership rate is 71%. The median year built is 1981.
| Housing | Red River County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,044/mo | $1,403/mo | $877/mo |
| Median home value | $121,500 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 25% | 29% | n/a |
| Vacant units | 20% | 9% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How Red River County compares with nearby counties
Distances run center to center, from Titus County at 28 miles out to Morris County at 39. Income ranges from $51,929 in McCurtain County to $72,360 in Franklin County; all six of these neighbors top Red River County's median. The list crosses into Oklahoma, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Red River County | - | $48,491 | $1,044/mo | 71% |
| Titus County, TX | 28 mi | $58,425 | $907/mo | 71% |
| Lamar County, TX | 30 mi | $61,880 | $949/mo | 66% |
| Franklin County, TX | 32 mi | $72,360 | $936/mo | 82% |
| McCurtain County, OK | 38 mi | $51,929 | $700/mo | 73% |
| Bowie County, TX | 38 mi | $59,803 | $988/mo | 63% |
| Morris County, TX | 39 mi | $58,645 | $859/mo | 74% |
Red River County towns compared
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 51% of Red River County residents live in one of the 6. Incomes vary by place: $47,992 at the median in Avery, $33,014 in Clarksville. Median rent ranges from $540 in Detroit to $1,087 in Clarksville. Live in one of these Red River County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Clarksville | city | 2,853 | $33,014 | $1,087 | 1 mi |
| Bogata | city | 804 | $39,861 | $856 | 14 mi |
| Deport | city | 756 | $44,875 | $629 | 17 mi |
| Avery | town | 575 | $47,992 | $917 | 16 mi |
| Detroit | town | 573 | $47,500 | $540 | 13 mi |
| Annona | town | 313 | $55,500 | $830 | 8 mi |
Debt-to-income at Red River County's medians
Here is the Red River County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Red River County: $4,041
- Rent at the median, $1,044, takes 26% of that
- At 35%, room after rent is $370 a month
- Under a 45% cap, $1,818 total minus rent leaves $774
If your rent is above $1,044, the room shrinks dollar for dollar.
Who lives in Red River County, in numbers
Degree holders: 15% of adults over 25. 16.5% of residents have no health coverage.
| Measure | Red River County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 48.1 | 35.6 | 41.5 |
| Bachelor's or higher | 15.4% | 33.8% | 22.2% |
| No high school diploma | 12.7% | 14.0% | n/a |
| No health insurance | 16.5% | 17.1% | 7.8% |
| No vehicle | 2.6% | 5.4% | 5.4% |
| Work from home | 10.6% | 14.4% | 8.7% |
| Poverty rate | 15.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.0% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 25.0% |
| 15 to 29 min | 25.8% |
| 30 to 44 min | 25.5% |
| 45 to 59 min | 12.2% |
| 60+ min | 11.5% |
What the numbers mean for Red River County borrowers
The county's numbers point to a few situations that come up often for Red River County borrowers.
- Health costs. With 16% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Keeping the car running. At 24% with long commutes, repairs are a frequent Red River County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 16% of homes here, compare a personal loan with any dealer or park repair program.
- Older households. A 48.1 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
Texas rules that apply in Red River County
No county office licenses personal lenders. For Red River County, check the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Problems with a lender can also go to the CFPB. The Texas guide covers state rules in more detail.
Steps before you apply in Red River County
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in Texas.
- Ask a Red River County credit union about member loans.
More guides for Red River County
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Red River County a high-income county?
Its $48,491 median ranks 232nd of 254 Texas counties and compares with $65,681 for the median U.S. county.
Is Red River County expensive for renters?
Median rent is $1,044 against $1,403 statewide, and 55% of renter households are cost-burdened.
Which towns does the Red River County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Clarksville, Bogata, Deport, Avery, Detroit.
Will a Red River County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Red River 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.