1st Advantage MortgageThe median Sutton County household earns $78,906, and 5% of residents live below the poverty line. 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
- Getting oriented in Sutton County
- How much Sutton County households make
- Work, industries and travel time in Sutton County
- Sutton County housing compared with Texas
- The communities that make up Sutton County
- The counties around Sutton County
- Room for a loan payment in Sutton County
- More Sutton County figures
- Borrowing situations common in Sutton County
- Before you sign
- Who licenses lenders for Sutton County residents
- Related local guides
- Frequently asked questions
Getting oriented in Sutton County
The latest five-year Census estimate puts Sutton County's population at 3,277; only 215 of Texas's 254 county-level areas are larger. Spread over 1,454 square miles, that works out to roughly 2.3 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 1 Census place inside Sutton County, Sonora leads by population with about 2,691. Small populations mean wide margins of error, so read every Sutton County figure on this page as a rough guide.
How much Sutton County households make
At $78,906, the typical Sutton County household income is 20% above the median U.S. county ($65,681). Only 39 Texas counties post a higher median.
| Household income | Sutton County | vs Texas |
|---|---|---|
| Under $35,000 | 19.1% | -2.3 pts |
| $35,000 to $99,999 | 40.5% | +1.1 pts |
| $100,000 to $199,999 | 36.3% | +9.6 pts |
| $200,000 or more | 4.2% | -8.3 pts |
The spread is wide: 40% of Sutton County households make $100,000 or more, and 19% make less than $35,000. Census counts 4.5% of Sutton County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.389 here. None of these numbers decides a Sutton County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Sutton County
By the Census industry count, 26% of employed Sutton County residents work in education and health care and 22% in agriculture, forestry and mining. Agriculture, forestry and mining stands out: 22% of workers here, versus 2% statewide. Averaged over the five survey years, 1.9% of the labor force was out of work and looking. 23% of commuters travel 45 minutes or more each way, and 8% work from home. Only 3.8% of homes here go without a vehicle.
| Sector | Sutton County | Compared with Texas |
|---|---|---|
| Education and health care | 25.6% | +4.0 pts |
| Agriculture, forestry and mining | 22.1% | +19.9 pts |
| Retail trade | 10.9% | -0.1 pts |
| Construction | 10.3% | +1.7 pts |
| Transportation, warehousing and utilities | 9.0% | +2.3 pts |
| Other services | 6.5% | +1.7 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Sutton County housing compared with Texas
Renters in Sutton County pay a median of $772 a month, 45% below the Texas figure of $1,403. Rent takes 30% or more of income for 23% of renter households here. Home values center on $155,700, or 2.0 years of median income. Owners occupy 76% of homes. The median home was built in 1972, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Sutton County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $772/mo | $1,403/mo | $877/mo |
| Median home value | $155,700 | $283,800 | $185,300 |
| Owners | 76% | 63% | 75% |
| Rent-burdened renters | 23% | 52% | 45% |
| Burdened owners | 32% | 29% | n/a |
| Mobile homes | 16.3% | 6.4% | n/a |
In an owner-heavy county like Sutton County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The communities that make up Sutton County
Just one Census place, Sonora, lies mainly within Sutton County; it holds about 2,691 people. None of the 1 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Sonora | city | 2,691 | $71,848 | $772 | 8 mi |
The counties around Sutton County
Nearest neighbors first, measured between county centers (26 to 58 miles). 2 of the six report a higher median household income than Sutton County; Schleicher County is highest at $86,694 and Edwards County lowest at $40,313.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Sutton County | - | $78,906 | $772/mo | 76% |
| Schleicher County, TX | 26 mi | $86,694 | $660/mo | 84% |
| Edwards County, TX | 39 mi | $40,313 | $713/mo | 88% |
| Kimble County, TX | 46 mi | $69,455 | $790/mo | 79% |
| Menard County, TX | 46 mi | $53,043 | $729/mo | 81% |
| Crockett County, TX | 55 mi | $81,022 | $558/mo | 74% |
| Val Verde County, TX | 58 mi | $66,100 | $994/mo | 69% |
Room for a loan payment in Sutton County
Sutton County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Sutton County: $6,576
- Less median rent of $772, which is 12% of it
- $1,529: what a 35% ratio leaves once rent is paid
- With a 45% ceiling, about $2,187 remains for car, card, student and any new loan payments
If your rent is above $772, the room shrinks dollar for dollar.
More Sutton County figures
18% of Sutton County adults 25 and older hold a bachelor's degree or more. About 16% go without health insurance.
| People and households | Sutton County | Texas | Median county |
|---|---|---|---|
| Median age | 42.3 | 35.6 | 41.5 |
| Bachelor's or higher | 18.3% | 33.8% | 22.2% |
| No high school diploma | 18.1% | 14.0% | n/a |
| No health insurance | 15.8% | 17.1% | 7.8% |
| No vehicle | 3.8% | 5.4% | 5.4% |
| Work from home | 7.9% | 14.4% | 8.7% |
| Poverty rate | 4.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 1.9% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 63.8% |
| 15 to 29 min | 11.1% |
| 30 to 44 min | 2.5% |
| 45 to 59 min | 3.3% |
| 60+ min | 19.4% |
Borrowing situations common in Sutton County
Based on the Sutton County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 16% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Vehicle repairs. 23% of Sutton County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Mobile home upkeep. 16% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Consolidation math. With 40% at six figures, card consolidation is common; it pays only if total cost falls (guide).
Before you sign
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Sutton County.
- Compare the total repaid on every offer, not just the payment.
- A Texas license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Who licenses lenders for Sutton County residents
The Texas Department of Banking is the place to verify any lender's Texas license. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. Federal complaints: consumerfinance.gov. The Texas guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Sutton County?
$78,906 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 40th of 254 in the state.
How does Sutton County rent compare with Texas?
$772 locally versus $1,403 for the state, 45% below.
I own my home in Sutton County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 76% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Sutton County?
By population: Sonora. The county has 1 Census place in all.
Are Sutton 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.