1st Advantage MortgageThe median Somervell County household earns $79,825, and 8% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Somervell County
- Paychecks and income spread in Somervell County
- Renting and owning in Somervell County
- How Somervell County residents earn a living
- Towns and communities in Somervell County
- How Somervell County compares with nearby counties
- A Somervell County household budget, worked through
- Who lives in Somervell County, in numbers
- What the numbers mean for Somervell County borrowers
- Lender oversight for Somervell County
- Four steps for Somervell County borrowers
- More guides for Somervell County
- Frequently asked questions
A quick profile of Somervell County
Roughly 9,691 residents live in Somervell County, Texas, 168th by population among the state's 254 counties and county equivalents. Land area is 186 square miles (2024 Gazetteer), so density runs near 52 per square mile. Under the July 2023 OMB definitions, Somervell County is not part of any metropolitan area. Glen Rose, with about 2,836 people, is the only Census place mainly inside the county. Small populations mean wide margins of error, so read every Somervell County figure on this page as a rough guide.
Paychecks and income spread in Somervell County
At $79,825, the typical Somervell County household income is 22% above the median U.S. county ($65,681).
| Income band | Share in Somervell County | Difference from Texas |
|---|---|---|
| Under $35,000 | 19.7% | -1.7 pts |
| $35,000 to $99,999 | 36.4% | -3.0 pts |
| $100,000 to $199,999 | 33.0% | +6.2 pts |
| $200,000 or more | 11.0% | -1.5 pts |
The spread is wide: 44% of Somervell County households make $100,000 or more, and 20% make less than $35,000. 7.5% of residents fall below the federal poverty line (statewide: 13.8%). For a borrower in Somervell 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.
Renting and owning in Somervell County
Median gross rent, utilities included, comes to $773 in Somervell County versus $1,403 statewide. 38% of renting households spend 30% or more of income on rent, and 1% spend half or more. The median owner-occupied home is valued at $289,500, about 3.6 times the median household income. Owners occupy 80% of homes. Median construction year: 1995.
| Housing | Somervell County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $773/mo | $1,403/mo | $877/mo |
| Median home value | $289,500 | $283,800 | $185,300 |
| Owners | 80% | 63% | 75% |
| Rent-burdened renters | 38% | 52% | 45% |
| Burdened owners | 28% | 29% | n/a |
| Mobile homes | 22.5% | 6.4% | 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).
How Somervell County residents earn a living
Education and health care employs 18% of working residents, the largest share; transportation, warehousing and utilities is next with 17%. Compared with Texas, the county leans toward transportation, warehousing and utilities (17% against 7%). Averaged over the five survey years, 3.2% of the labor force was out of work and looking. Long commutes are common here: 17% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Somervell County workers | vs Texas |
|---|---|---|
| Education and health care | 18.2% | -3.4 pts |
| Transportation, warehousing and utilities | 17.0% | +10.3 pts |
| Manufacturing | 9.3% | +0.8 pts |
| Arts, lodging and food service | 9.1% | +0.7 pts |
| Professional and administrative services | 8.7% | -4.2 pts |
| Construction | 7.7% | -0.8 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.
Towns and communities in Somervell County
Just one Census place, Glen Rose, lies mainly within Somervell County; it holds about 2,836 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 |
|---|---|---|---|---|---|
| Glen Rose | city | 2,836 | $74,722 | $757 | 2 mi |
How Somervell County compares with nearby counties
Nearest neighbors first, measured between county centers (15 to 41 miles). Income ranges from $58,219 in Hamilton County to $104,443 in Parker County; 3 of these neighbors top Somervell County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Somervell County | - | $79,825 | $773/mo | 80% |
| Hood County, TX | 15 mi | $88,160 | $1,428/mo | 81% |
| Bosque County, TX | 23 mi | $68,914 | $928/mo | 76% |
| Johnson County, TX | 26 mi | $84,859 | $1,398/mo | 75% |
| Erath County, TX | 26 mi | $65,115 | $1,146/mo | 63% |
| Parker County, TX | 39 mi | $104,443 | $1,500/mo | 81% |
| Hamilton County, TX | 41 mi | $58,219 | $885/mo | 79% |
A Somervell County household budget, worked through
How much room does a median Somervell County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $6,652 gross per month ($79,825 / 12)
- Housing at the median rent of $773 uses 12%
- Under a 43% cap, $2,860 total minus rent leaves $2,087
Two-income households and single earners in Somervell County land in very different places on this math, so run it for your own budget.
Who lives in Somervell County, in numbers
College graduates make up 29% of the adult population. The uninsured rate is 12.4%, against 17.1% for Texas.
| People and households | Somervell County | Texas | Median county |
|---|---|---|---|
| Median age | 44.5 | 35.6 | 41.5 |
| Bachelor's or higher | 29.3% | 33.8% | 22.2% |
| No high school diploma | 7.5% | 14.0% | n/a |
| No health insurance | 12.4% | 17.1% | 7.8% |
| No vehicle | 2.4% | 5.4% | 5.4% |
| Work from home | 11.3% | 14.4% | 8.7% |
| Poverty rate | 7.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.2% | 5.3% | 4.4% |
| Minutes to work | Somervell County workers |
|---|---|
| Under 15 min | 41.7% |
| 15 to 29 min | 20.2% |
| 30 to 44 min | 20.8% |
| 45 to 59 min | 5.8% |
| 60+ min | 11.6% |
What the numbers mean for Somervell County borrowers
A few patterns in the Somervell County data, and the practical point behind each:
- Hospital bills in Somervell County. For the 12% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Repairs on manufactured housing. With 23% of homes here, compare a personal loan with any dealer or park repair program.
- Higher earners. 44% of households clear $100,000; shop at least three lenders and pick the shortest term.
Lender oversight for Somervell County
The Texas Department of Banking is the place to verify any lender's Texas license. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Problems with a lender can also go to the CFPB. See the Texas state guide for the statewide picture.
Four steps for Somervell County borrowers
Quick steps for Somervell County:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Somervell County-area credit union.
- Verify the Texas license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
More guides for Somervell County
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Somervell County?
$79,825 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 39th of 254 in the state.
Is Somervell County expensive for renters?
Median rent is $773 against $1,403 statewide, and 38% of renter households are cost-burdened.
What are the biggest places in Somervell County?
By population: Glen Rose. The county has 1 Census place in all.
Are Somervell County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who do I complain to about a lender in Somervell County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.