1st Advantage MortgageIn Roberts County, Texas, the typical household earns $67,868 a year and the typical rent is $859. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Texas license first.
On this page
- Roberts County by the numbers
- The Roberts County job picture
- How much Roberts County households make
- What it costs to live in Roberts County
- Roberts County towns compared
- How Roberts County compares with nearby counties
- A Roberts County household budget, worked through
- Local borrowing considerations for Roberts County
- Roberts County households compared
- Before you sign
- Lender oversight for Roberts County
- More guides for Roberts County
- Frequently asked questions
Roberts County by the numbers
With an estimated 832 residents (ACS 2020 to 2024), Roberts County ranks 248th of 254 in Texas for population. Land area is 924 square miles (2024 Gazetteer), so density runs near 1 per square mile. Under the July 2023 OMB definitions, Roberts County is not part of any metropolitan area. Of the 1 Census place inside Roberts County, Miami leads by population with about 523. With so few households sampled, Roberts County estimates can move a lot between releases.
The Roberts County job picture
The biggest employer of Roberts County residents, by industry, is retail trade at 21% of workers, followed by agriculture, forestry and mining (17%). The sharpest difference from the state is in agriculture, forestry and mining, at 17% locally and 2% for Texas. ACS puts five-year average unemployment at 0.5% in Roberts County. 6% of commuters travel 45 minutes or more each way, and 2% work from home.
| Industry (employed residents 16+) | Roberts County | Gap to Texas |
|---|---|---|
| Retail trade | 20.9% | +9.9 pts |
| Agriculture, forestry and mining | 17.3% | +15.0 pts |
| Education and health care | 14.9% | -6.7 pts |
| Manufacturing | 10.1% | +1.5 pts |
| Transportation, warehousing and utilities | 9.3% | +2.5 pts |
| Public administration | 7.2% | +3.1 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
How much Roberts County households make
Half of Roberts County households take in less than $67,868 a year and half take in more, 14% below the Texas median of $78,476. In the state ranking that is 101st of 254.
| Yearly household income | Roberts County | Gap to Texas |
|---|---|---|
| Under $35,000 | 24.8% | +3.4 pts |
| $35,000 to $99,999 | 46.4% | +7.1 pts |
| $100,000 to $199,999 | 25.1% | -1.7 pts |
| $200,000 or more | 3.7% | -8.8 pts |
Some 25% of households here live on less than $35,000 a year; 29% have six-figure incomes. Census counts 5.6% of Roberts County residents in poverty, against 13.8% across Texas. The Gini index of income inequality is 0.379 (0 is perfect equality). A household earning below the $67,868 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Roberts County
Median gross rent, utilities included, comes to $859 in Roberts County versus $1,403 statewide. 13% of renting households spend 30% or more of income on rent. The median owner-occupied home is valued at $161,500, about 2.4 times the median household income. The ownership rate is 85%. Half the housing stock was built before 1966.
| Roberts County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $859/mo | $1,403/mo | $877/mo |
| Median home value | $161,500 | $283,800 | $185,300 |
| Owners | 85% | 63% | 75% |
| Rent-burdened renters | 13% | 52% | 45% |
| Burdened owners | 43% | 29% | n/a |
| Mobile homes | 9.9% | 6.4% | n/a |
| Vacant units | 18% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Roberts County towns compared
Just one Census place, Miami, lies mainly within Roberts County; it holds about 523 people. None of the 1 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Miami | city | 523 | $65,000 | $845 | 15 mi |
How Roberts County compares with nearby counties
Nearest neighbors first, measured between county centers (29 to 42 miles). Income ranges from $59,614 in Gray County to $85,231 in Carson County; 3 of these neighbors top Roberts County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Roberts County | - | $67,868 | $859/mo | 85% |
| Hutchinson County, TX | 29 mi | $67,228 | $932/mo | 83% |
| Gray County, TX | 30 mi | $59,614 | $933/mo | 76% |
| Ochiltree County, TX | 30 mi | $70,183 | $891/mo | 73% |
| Hemphill County, TX | 31 mi | $61,563 | $836/mo | 71% |
| Carson County, TX | 42 mi | $85,231 | $956/mo | 79% |
| Hansford County, TX | 42 mi | $69,441 | $939/mo | 81% |
A Roberts County household budget, worked through
How much room does a median Roberts County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $67,868 a year is $5,656 of gross monthly income
- Less median rent of $859, which is 15% of it
- $1,177: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $2,432 total minus rent leaves $1,573
Two-income households and single earners in Roberts County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Roberts County
Where the Roberts County numbers stand out, and why it matters for a loan:
- Hospital bills in Roberts County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Advance-fee offers. No legitimate lender asks a Roberts County borrower to pay first (scam signs).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Roberts County households compared
College graduates make up 21% of the adult population. The uninsured rate is 11.1%, against 17.1% for Texas.
| Residents | Roberts County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 40.0 | 35.6 | 41.5 |
| Bachelor's or higher | 20.5% | 33.8% | 22.2% |
| No high school diploma | 6.2% | 14.0% | n/a |
| No health insurance | 11.1% | 17.1% | 7.8% |
| No vehicle | 3.4% | 5.4% | 5.4% |
| Work from home | 1.8% | 14.4% | 8.7% |
| Poverty rate | 5.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 0.5% | 5.3% | 4.4% |
Before you sign
Before you apply, wherever you live in Roberts County:
- Get a written quote for whatever you are paying for in Roberts County.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Texas borrowers.
- Pick the shortest term whose payment still fits.
Lender oversight for Roberts County
Consumer lenders serving Roberts County are licensed by the state, not the county; in Texas that is the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Federal complaints: consumerfinance.gov. Statewide data and rules: Texas guide.
More guides for Roberts County
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Roberts County?
$67,868 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 101st of 254 in the state.
How does Roberts County rent compare with Texas?
$859 locally versus $1,403 for the state, 39% below.
Should Roberts County homeowners use home equity instead?
Maybe, but weigh the risk: 85% of Roberts County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Roberts County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Miami.
Can Roberts County residents use the questionnaire?
Yes. It asks the same questions in every Texas county, lists every requirement up front and does not affect your credit score.