1st Advantage MortgageIn Reeves County, Texas, the typical household earns $64,297 a year and the typical rent is $981. 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
- Reeves County by the numbers
- Household income in Reeves County
- Jobs and commutes in Reeves County
- Reeves County housing compared with Texas
- Reeves County towns compared
- How Reeves County compares with nearby counties
- Room for a loan payment in Reeves County
- Borrowing situations common in Reeves County
- More Reeves County figures
- Licensing and complaints for Reeves County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Reeves County by the numbers
Reeves County is home to about 12,664 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 150th most populous of 254 county-level areas in Texas. It covers 2,635 square miles of land, or about 5 people per square mile. Under the July 2023 OMB definitions, Reeves County is not part of any metropolitan area. Balmorhea is the biggest of its 3 Census places, at roughly 456 people (4% of the county total).
Household income in Reeves County
Reeves County households have a median income of $64,297 (ACS 2020 to 2024), which ranks 132nd of 254 in Texas.
| Income band | Share in Reeves County | Difference from Texas |
|---|---|---|
| Under $35,000 | 30.6% | +9.2 pts |
| $35,000 to $99,999 | 39.6% | +0.3 pts |
| $100,000 to $199,999 | 23.1% | -3.6 pts |
| $200,000 or more | 6.7% | -5.8 pts |
About 31% of households earn under $35,000, while 30% clear $100,000. 16.8% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.432 (0 is perfect equality). A household earning below the $64,297 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Reeves County
The biggest employer of Reeves County residents, by industry, is agriculture, forestry and mining at 20% of workers, followed by education and health care (15%). The sharpest difference from the state is in agriculture, forestry and mining, at 20% locally and 2% for Texas. ACS puts five-year average unemployment at 2.4% in Reeves County. 10% of commuters travel 45 minutes or more each way, and 3% work from home. 6.1% of households have no vehicle.
| Where residents work | Reeves County | Difference from Texas |
|---|---|---|
| Agriculture, forestry and mining | 19.5% | +17.3 pts |
| Education and health care | 15.0% | -6.6 pts |
| Arts, lodging and food service | 12.1% | +3.6 pts |
| Construction | 11.4% | +2.8 pts |
| Retail trade | 11.1% | +0.1 pts |
| Transportation, warehousing and utilities | 9.1% | +2.3 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Reeves County housing compared with Texas
A typical Reeves County rental runs $981 a month including utilities, which is 30% below Texas. Rent takes 30% or more of income for 56% of renter households here. The median owner-occupied home is valued at $118,000, about 1.8 times the median household income. The ownership rate is 74%. The median home was built in 1975, so roofs, wiring and heating systems are a common source of repair bills.
| Reeves County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $981/mo | $1,403/mo | $877/mo |
| Median home value | $118,000 | $283,800 | $185,300 |
| Owners | 74% | 63% | 75% |
| Rent-burdened renters | 56% | 52% | 45% |
| Burdened owners | 30% | 29% | n/a |
| Vacant units | 18% | 9% | n/a |
Because most Reeves County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. 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?
Reeves County towns compared
3 Census places fall mainly inside Reeves County; the 3 biggest are below. They account for 912 residents, leaving about 93% of the county in unincorporated, unnamed areas. Live in one of these Reeves County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Balmorhea | city | 456 | n/a | n/a | 23 mi |
| Lindsay | CDP | 434 | $86,955 | n/a | 11 mi |
| Toyah | town | 22 | $43,438 | n/a | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
How Reeves County compares with nearby counties
Six nearby counties, 38 to 70 miles away by the straight-line distance between their centers. Income ranges from $51,250 in Loving County to $86,900 in Winkler County; 3 of these neighbors top Reeves County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Reeves County | - | $64,297 | $981/mo | 74% |
| Loving County, TX | 38 mi | $51,250 | n/a | 11% |
| Ward County, TX | 39 mi | $65,952 | $1,118/mo | 79% |
| Culberson County, TX | 49 mi | $58,777 | $1,043/mo | 70% |
| Winkler County, TX | 53 mi | $86,900 | $1,037/mo | 86% |
| Jeff Davis County, TX | 55 mi | $59,286 | $1,241/mo | 88% |
| Pecos County, TX | 70 mi | $72,750 | $918/mo | 72% |
Room for a loan payment in Reeves County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Reeves County household at the medians it works out like this; treat it as an illustration only.
- $64,297 a year is $5,358 of gross monthly income
- Median rent: $981, or 18 cents of every gross dollar
- $1,162: what a 40% ratio leaves once rent is paid
If your rent is above $981, the room shrinks dollar for dollar.
Borrowing situations common in Reeves County
The county's numbers point to a few situations that come up often for Reeves County borrowers.
- Hospital bills in Reeves County. For the 17% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Mobile home upkeep. 12% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Renters under pressure. When 56% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
More Reeves County figures
7% of Reeves County adults 25 and older hold a bachelor's degree or more. About 17% go without health insurance.
| Measure | Reeves County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 34.4 | 35.6 | 41.5 |
| Bachelor's or higher | 7.4% | 33.8% | 22.2% |
| No high school diploma | 29.8% | 14.0% | n/a |
| No health insurance | 17.5% | 17.1% | 7.8% |
| No vehicle | 6.1% | 5.4% | 5.4% |
| Work from home | 3.0% | 14.4% | 8.7% |
| Poverty rate | 16.8% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.4% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 55.7% |
| 15 to 29 min | 17.6% |
| 30 to 44 min | 16.7% |
| 45 to 59 min | 3.6% |
| 60+ min | 6.4% |
Licensing and complaints for Reeves County
Licensing happens at the state level, so a lender working with Reeves County borrowers answers to 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. More on Texas: Texas personal loans.
Before you sign
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Reeves County.
- Shop at least three lenders, including one Reeves County-area credit union.
- A Texas license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What does a typical Reeves County household make?
About $64,297 a year at the median (ACS 2020-24), 18% below the Texas median.
How much is rent in Reeves County?
Median gross rent, utilities included, is $981 a month; 56% of renters spend 30% or more of income on it.
Should Reeves County homeowners use home equity instead?
Maybe, but weigh the risk: 74% of Reeves County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Balmorhea?
Yes, along with the other 2 Census places in Reeves County, such as Lindsay, Toyah.
Will a Reeves County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.