1st Advantage MortgageAbout 79% of Shackelford County homes are owner-occupied, and the median household income is $73,047. 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 Shackelford County
- Housing costs in Shackelford County
- Paychecks and income spread in Shackelford County
- Employment and commuting in Shackelford County
- Regional comparison for Shackelford County
- The communities that make up Shackelford County
- Budget math at the Shackelford County median
- Borrowing situations common in Shackelford County
- Shackelford County households compared
- Checklist for Shackelford County applicants
- Licensing and complaints for Shackelford County
- Related local guides
- Frequently asked questions
Who lives in Shackelford County
With an estimated 3,175 residents (ACS 2020 to 2024), Shackelford County ranks 221st of 254 in Texas for population. It covers 914 square miles of land, or about 3 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Albany is the biggest of its 2 Census places, at roughly 1,849 people (58% of the county total). With so few households sampled, Shackelford County estimates can move a lot between releases.
Housing costs in Shackelford County
A typical Shackelford County rental runs $718 a month including utilities, which is 49% below Texas. 38% of renting households spend 30% or more of income on rent, and 14% spend half or more. With a median value of $174,800, a typical Shackelford County house costs 2.4 times what the median household earns in a year. Owners occupy 79% of homes. Median construction year: 1970.
| Housing | Shackelford County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $718/mo | $1,403/mo | $877/mo |
| Median home value | $174,800 | $283,800 | $185,300 |
| Owners | 79% | 63% | 75% |
| Rent-burdened renters | 38% | 52% | 45% |
| Burdened owners | 26% | 29% | n/a |
| Mobile homes | 12.3% | 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).
Paychecks and income spread in Shackelford County
The median household income in Shackelford County is $73,047; statewide it is $78,476, so Shackelford County runs 7% below Texas as a whole. Only 58 Texas counties post a higher median.
| Band | Shackelford County | Compared with Texas |
|---|---|---|
| Under $35,000 | 22.4% | +0.9 pts |
| $35,000 to $99,999 | 44.2% | +4.8 pts |
| $100,000 to $199,999 | 27.8% | +1.1 pts |
| $200,000 or more | 5.6% | -6.8 pts |
Some 22% of households here live on less than $35,000 a year; 33% have six-figure incomes. Census counts 9.5% of Shackelford County residents in poverty, against 13.8% across Texas. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Employment and commuting in Shackelford County
The biggest employer of Shackelford County residents, by industry, is agriculture, forestry and mining at 20% of workers, followed by education and health care (16%). Compared with Texas, the county leans toward agriculture, forestry and mining (20% against 2%). ACS puts five-year average unemployment at 7.5% in Shackelford County. About 79% drive to work alone and 18% have trips of 45 minutes or more. Only 2.9% of homes here go without a vehicle.
| Top industries | Shackelford County share | +/- vs Texas |
|---|---|---|
| Agriculture, forestry and mining | 20.2% | +18.0 pts |
| Education and health care | 15.8% | -5.8 pts |
| Arts, lodging and food service | 8.6% | +0.1 pts |
| Construction | 8.3% | -0.3 pts |
| Transportation, warehousing and utilities | 8.1% | +1.4 pts |
| Retail trade | 7.8% | -3.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Regional comparison for Shackelford County
Six nearby counties, 30 to 42 miles away by the straight-line distance between their centers. Income ranges from $53,549 in Eastland County to $72,436 in Callahan County; none of these neighbors top Shackelford County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Shackelford County | - | $73,047 | $718/mo | 79% |
| Stephens County, TX | 30 mi | $58,008 | $846/mo | 79% |
| Throckmorton County, TX | 31 mi | $59,216 | $878/mo | 68% |
| Jones County, TX | 31 mi | $59,464 | $866/mo | 80% |
| Callahan County, TX | 31 mi | $72,436 | $817/mo | 81% |
| Haskell County, TX | 37 mi | $60,653 | $782/mo | 74% |
| Eastland County, TX | 42 mi | $53,549 | $866/mo | 72% |
The communities that make up Shackelford County
2 Census places fall mainly inside Shackelford County; the 2 biggest are below. They account for 2,108 residents, leaving about 34% of the county in unincorporated, unnamed areas. Live in one of these Shackelford County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Albany | city | 1,849 | $68,000 | $726 | 3 mi |
| Moran | city | 259 | $63,846 | $583 | 17 mi |
Budget math at the Shackelford County median
Shackelford County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $6,087 before taxes
- Median rent: $718, or 12 cents of every gross dollar
- At 35%, room after rent is $1,413 a month
- At 45%, room after rent is $2,021 a month
If your rent is above $718, the room shrinks dollar for dollar.
Borrowing situations common in Shackelford County
Based on the Shackelford County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 13% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- 12% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Consolidating cards in Shackelford County. Compare the total repaid, not the monthly figure (how).
Shackelford County households compared
College graduates make up 34% of the adult population. About 13% go without health insurance.
| Indicator | Shackelford County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 42.3 | 35.6 | 41.5 |
| Bachelor's or higher | 34.1% | 33.8% | 22.2% |
| No high school diploma | 6.7% | 14.0% | n/a |
| No health insurance | 13.4% | 17.1% | 7.8% |
| No vehicle | 2.9% | 5.4% | 5.4% |
| Work from home | 9.7% | 14.4% | 8.7% |
| Poverty rate | 9.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 7.5% | 5.3% | 4.4% |
| Commute length | Shackelford County |
|---|---|
| Under 15 min | 46.4% |
| 15 to 29 min | 14.7% |
| 30 to 44 min | 21.3% |
| 45 to 59 min | 9.1% |
| 60+ min | 8.5% |
Checklist for Shackelford County applicants
Quick steps for Shackelford County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Shackelford County-area credit union.
- Confirm the lender is licensed in Texas.
- Keep a small cushion so one surprise bill does not mean another loan.
Licensing and complaints for Shackelford County
Consumer lenders serving Shackelford County are licensed by the state, not the county; in Texas that is the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Problems with a lender can also go to the CFPB. Statewide data and rules: Texas guide.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
How much do households in Shackelford County earn?
The median is $73,047; 33% earn $100,000 or more and 22% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Shackelford County?
$718 a month at the median, about 12% of median household income.
I own my home in Shackelford County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Shackelford County guide cover?
Every community in the county, unincorporated areas included. The largest of its 2 Census places: Albany, Moran.
Does living in Shackelford 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 Shackelford County resident as anyone. Lenders decide under fair-lending law.