1st Advantage MortgageThe median Stonewall County household earns $56,875, and 15% of residents live below the poverty line. Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Stonewall County applicant for an upfront fee.
On this page
- Stonewall County at a glance
- Stonewall County housing compared with Texas
- The Stonewall County job picture
- What stands out in Stonewall County
- Household income in Stonewall County
- Aspermont and the rest of Stonewall County
- Stonewall County next to its neighbors
- Before borrowing in Stonewall County
- People and households in Stonewall County
- A Stonewall County household budget, worked through
- Checklist for Stonewall County applicants
- Lender oversight for Stonewall County
- Nearby and statewide guides
- Frequently asked questions
Stonewall County at a glance
With an estimated 1,227 residents (ACS 2020 to 2024), Stonewall County ranks 243rd of 254 in Texas for population. Spread over 916 square miles, that works out to roughly 1.3 residents per square mile. Stonewall County is classed as nonmetropolitan in the OMB's July 2023 list. Aspermont, with about 920 people, is the only Census place mainly inside the county. At 1,227 people, Stonewall County is a small survey sample, so small differences in these figures may be noise.
Stonewall County housing compared with Texas
Renters in Stonewall County pay a median of $613 a month, 56% below the Texas figure of $1,403. About 2 in 10 Stonewall County renters pay 30% or more of income for rent. The median owner-occupied home is valued at $48,600, about 0.9 times the median household income. Owners occupy 85% of homes. Half the housing stock was built before 1971.
| Housing | Stonewall County | Texas statewide | Stonewall County vs state |
|---|---|---|---|
| Rent-burdened renters | 25% | 52% | -27.1 pts |
| Vacant units | 35% | 9% | +25.8 pts |
| Owners | 85% | 63% | +22.0 pts |
| Median home value | $48,600 | $283,800 | 83% lower |
| Median gross rent | $613/mo | $1,403/mo | 56% lower |
| Burdened owners | 30% | 29% | +0.8 pts |
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).
The Stonewall County job picture
Top Stonewall County industry by residents employed: agriculture, forestry and mining, 28%; second, education and health care, 25%. Stonewall County over-indexes on agriculture, forestry and mining: 28% versus 2% in Texas. ACS puts five-year average unemployment at 3.6% in Stonewall County. 13% of commuters travel 45 minutes or more each way, and 2% work from home.
| Top industries | Stonewall County share | +/- vs Texas |
|---|---|---|
| Agriculture, forestry and mining | 27.6% | +25.4 pts |
| Education and health care | 25.4% | +3.7 pts |
| Retail trade | 16.4% | +5.4 pts |
| Construction | 10.7% | +2.2 pts |
| Transportation, warehousing and utilities | 4.4% | -2.3 pts |
| Wholesale trade | 3.7% | +1.4 pts |
Self-employed in Stonewall County? Two years of tax returns usually stand in for pay stubs.
What stands out in Stonewall County
Where Stonewall County lands at the extremes of Texas's county rankings:
- Median home value: $48,600 in Stonewall County, the lowest of 250 in Texas. With modest home values, equity borrowing is rarely large.
- Stonewall County ranks 10th lowest of 253 Texas counties for the share of workers who work from home: 1.8%, against 14.4% statewide. Few remote jobs means most pay stubs come from local employers.
- On homeownership, Stonewall County sits near the top of Texas at 85%, 10th highest of 254. An owner-heavy county means repairs are a common reason to borrow.
Household income in Stonewall County
Half of Stonewall County households take in less than $56,875 a year and half take in more, 28% below the Texas median of $78,476.
| Band | Stonewall County | Compared with Texas |
|---|---|---|
| Under $35,000 | 29.2% | +7.8 pts |
| $35,000 to $99,999 | 38.2% | -1.2 pts |
| $100,000 to $199,999 | 28.8% | +2.1 pts |
| $200,000 or more | 3.7% | -8.8 pts |
On the low end, 29% of Stonewall County households report under $35,000; at the top, 33% report $100,000-plus. Stonewall County counts about 183 residents below the poverty line, 14.9% of the population. Gini index for Stonewall County: 0.579. A household earning below the $56,875 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Aspermont and the rest of Stonewall County
Aspermont is the only Census place mainly inside Stonewall County, with about 920 of the county's 1,227 residents. Aspermont has no separate guide, so this county page serves it.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Aspermont | town | 920 | $56,429 | $613 | 3 mi |
Stonewall County next to its neighbors
Six nearby counties, 30 to 42 miles away by the straight-line distance between their centers. Income ranges from $46,645 in King County to $72,889 in Kent County; 4 of these neighbors top Stonewall County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Stonewall County | - | $56,875 | $613/mo | 85% |
| Kent County, TX | 30 mi | $72,889 | $675/mo | 79% |
| King County, TX | 30 mi | $46,645 | n/a | 59% |
| Haskell County, TX | 30 mi | $60,653 | $782/mo | 74% |
| Fisher County, TX | 32 mi | $65,533 | $601/mo | 80% |
| Jones County, TX | 37 mi | $59,464 | $866/mo | 80% |
| Knox County, TX | 42 mi | $56,667 | $521/mo | 77% |
Before borrowing in Stonewall County
Based on the Stonewall County data above, these borrowing questions are most likely to matter locally.
- 13% uninsured. In Stonewall County, ask for an itemized bill and a payment plan first (medical bills).
- Age 52.3 at the median. Many Stonewall County applicants document income with award letters; ask about early payoff.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
People and households in Stonewall County
Degree holders: 17% of adults over 25. 12.7% of residents have no health coverage.
| Stonewall County | vs Texas | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 16.9% | -17.0 pts | -5.3 pts |
| Median age | 52.3 | +16.7 yrs | +10.8 yrs |
| Work from home | 1.8% | -12.6 pts | -6.9 pts |
| No health insurance | 12.7% | -4.4 pts | +4.9 pts |
| No high school diploma | 9.7% | -4.4 pts | n/a |
| Unemployment (ACS) | 3.6% | -1.7 pts | -0.8 pts |
| Poverty rate | 14.9% | +1.1 pts | +1.7 pts |
| No vehicle | 4.7% | -0.8 pts | -0.7 pts |
A Stonewall County household budget, worked through
How much room does a median Stonewall County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $56,875 a year is $4,740 of gross monthly income
- Housing at the median rent of $613 uses 13%
- Under a 35% cap, $1,659 total minus rent leaves $1,046
- With a 45% ceiling, about $1,520 remains for car, card, student and any new loan payments
Homeowners in Stonewall County should swap in their mortgage, taxes and insurance for rent.
Checklist for Stonewall County applicants
Steps that save money for Stonewall County residents:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Texas borrowers.
- Never pay a fee up front to get a loan.
Lender oversight for Stonewall County
No county office licenses personal lenders. For Stonewall County, check the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. A CFPB complaint gets forwarded to the company for a response. More on Texas: Texas personal loans.
Nearby and statewide guides
No city in Stonewall County has its own guide yet; the state page is next up.
Frequently asked questions
How much do households in Stonewall County earn?
The median is $56,875; 33% earn $100,000 or more and 29% under $35,000. A lender uses your own documented income, not this figure.
What is the median rent in Stonewall County, TX?
$613 a month, utilities included, or $7,356 a year.
I live in a small Stonewall County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Aspermont.
Are Stonewall 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.
How do I know a lender is legitimate in Stonewall County?
Look it up with the Texas Department of Banking, read the written offer, and refuse any fee before funding.