Personal loans in Texas City, TX: data and tips for borrowers

Texas City at a glance

Figures are American Community Survey 2020 to 2024 5-year estimates for the city of Texas City, Texas, with margins of error. They describe the place, not you.

Paychecks in Texas City

Education and health care is the largest employer category for people living in Texas City at 23%, ahead of arts, entertainment, lodging and food service (13%) and retail (11%). One lean worth noting: arts, entertainment, lodging and food service, which employs 13% of Texas City residents compared with 9% in the median place. If your pay varies from month to month, plan the payment around the leaner months and keep a small buffer.

Households in Texas City are spread across the income scale: 25% earn under $35,000, 45% earn between $35,000 and $100,000, and 31% earn $100,000 or more. Across our U.S. city set, the typical place sits at 20% under $35,000 and 39% at $100,000 or more. Two neighbors can sit at opposite ends of this scale, which is why lenders ask for your numbers rather than your ZIP code.

Who lives in Texas City

Half of Texas City residents are older than 36.6. Among adults 25 and over, 20% have a four-year degree or more and 14% stopped before a high school diploma. Against our U.S. city medians (37.2 years, 37% with a degree), Texas City runs younger and below the typical education level. Younger households tend to have shorter credit histories, and history length is one factor scores weigh.

By structure type, 69% of Texas City housing units are detached single-family homes and 25% are in buildings with five or more units. That compares with a U.S. city midpoint of 61% houses and 22% larger apartment buildings. A detached-house market tends to generate repair borrowing, an apartment-heavy one moving and deposit costs.

Texas City labor market

For September 2026, the BLS county estimate of unemployment in Galveston County is 4.6% (not seasonally adjusted, preliminary), down 0.1 points from 4.7% a year earlier. The city's own ACS rate, averaged over five years, is 6.5%.

Monthly budget benchmarks in Texas City

Here is the budget math at the median. A Texas City household earning $68,776 a year has about $5,731 a month before taxes. The median gross rent of $1,307 takes roughly 23% of that, against a common affordability yardstick of 30%, or about $1,719. If a lender capped total monthly debt at 36% of gross income, a common benchmark, the median household's ceiling would be about $2,063 a month. The price-to-income ratio for housing is roughly 3.2. The median is a reference point only; your own gross income and debts are what count.

What the numbers suggest about borrowing in Texas City

Few Texas City workers work from home (6%), lower than in most of the 784 U.S. city places we cover. Most people here have a workplace and a traditional pay stub, which can make income verification simpler.

The Census Bureau's estimate for unemployment among Texas City's labor force is 6.5%, higher than in most of the 784 U.S. city places we cover. If your income is uneven, borrow less, choose a payment you can sustain in a thin month and read the hardship terms.

The price-to-income ratio in Texas City is on the lower side (about 3.2, from a median home value of $217,300 and a median household income of $68,776). Lower housing pressure often leaves more cash flow for debt payments.

Texas City in context

Among the 784 U.S. city places we track, Texas City posts a median household income of $68,776 (rank 504 of 784), a median gross rent of $1,307 (rank 511 of 784), and a median home value of $217,300 (rank 625 of 784). Treat the order as context, nothing more.

For scale, look at two Texas places of similar size: Galveston ($55,631 income, $1,298 rent), where Texas City runs 24% above on income and 1% above on rent and Grapevine ($111,376 income, $1,863 rent), where Texas City runs 38% below on income and 30% below on rent. Size any payment to your own budget rather than to a neighbor's.

Nearby places compared with Texas City

A short list of nearby communities, sorted by distance from Texas City, to show how quickly costs change over a few miles.

On income, Texas City trails 7 of its 8 nearest neighbors; on rent, 3 of them are cheaper. The cheapest median rent here is San Leon's $989, the steepest is Bacliff's $1,498, and Seabrook leads on income at $102,726. If a move is part of the reason for borrowing, compare the rent gap with the loan payment before you sign.

About Texas City

Texas City is a Galveston County city on Galveston Bay with a large refining and petrochemical complex. Plant and port jobs dominate local work, and hurricane and storm-surge risk raises insurance costs.

A situation that comes up in Texas City

Energy-sector pay can follow commodity cycles. A lender looks at documented income, so avoid sizing a loan against a peak year.

Steps to take first in Texas City

• Check your state's financial regulator for the lender's license, and use the CFPB complaint portal if something goes wrong.
• Stress-test the payment: could you still make it after one bad month?
• Line up three offers for Texas City and compare APR, fees and total repayment in the side-by-side calculator.
• Run the offer checklist before you sign.
• Check the payment against Texas City rent or mortgage in the DTI calculator before applying anywhere.

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