1st Advantage MortgageTitus County households have a median income of $58,425 and median rent of $907 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Texas license first.
On this page
- Getting oriented in Titus County
- Paychecks and income spread in Titus County
- How Titus County residents earn a living
- Titus County housing compared with Texas
- How Titus County compares with nearby counties
- Towns and communities in Titus County
- Budget math at the Titus County median
- Local borrowing considerations for Titus County
- More Titus County figures
- Licensing and complaints for Titus County
- Checklist for Titus County applicants
- Related local guides
- Frequently asked questions
Getting oriented in Titus County
Roughly 31,363 residents live in Titus County, Texas, 91st by population among the state's 254 counties and county equivalents. It covers 406 square miles of land, or about 77 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is Mount Pleasant, with about 16,136 residents, or 51% of the county.
Paychecks and income spread in Titus County
The median household income in Titus County is $58,425; statewide it is $78,476, so Titus County runs 26% below Texas as a whole.
| Band | Titus County | Compared with Texas |
|---|---|---|
| Under $35,000 | 31.7% | +10.3 pts |
| $35,000 to $99,999 | 42.1% | +2.7 pts |
| $100,000 to $199,999 | 21.3% | -5.5 pts |
| $200,000 or more | 5.0% | -7.5 pts |
About 32% of households earn under $35,000, while 26% clear $100,000. Census counts 17.1% of Titus County residents in poverty, against 13.8% across Texas. For a borrower in Titus 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.
How Titus County residents earn a living
The biggest employer of Titus County residents, by industry, is manufacturing at 23% of workers, followed by education and health care (20%). Manufacturing stands out: 23% of workers here, versus 9% statewide. ACS puts five-year average unemployment at 3.1% in Titus County. About 76% drive to work alone and 9% have trips of 45 minutes or more. 4.8% of households have no vehicle.
| Sector | Titus County | Compared with Texas |
|---|---|---|
| Manufacturing | 23.3% | +14.7 pts |
| Education and health care | 20.2% | -1.4 pts |
| Construction | 8.9% | +0.4 pts |
| Retail trade | 8.9% | -2.1 pts |
| Arts, lodging and food service | 7.4% | -1.1 pts |
| Professional and administrative services | 6.7% | -6.2 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Titus County housing compared with Texas
Renters in Titus County pay a median of $907 a month, 35% below the Texas figure of $1,403. Rent takes 30% or more of income for 52% of renter households here. The median owner-occupied home is valued at $174,000, about 3.0 times the median household income. The ownership rate is 71%. The median year built is 1985.
| Housing | Titus County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $907/mo | $1,403/mo | $877/mo |
| Median home value | $174,000 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 52% | 52% | 45% |
| Burdened owners | 27% | 29% | n/a |
| Mobile homes | 14.0% | 6.4% | n/a |
| Vacant units | 8% | 9% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
How Titus County compares with nearby counties
Nearest neighbors first, measured between county centers (15 to 35 miles). 5 of the six report a higher median household income than Titus County; Franklin County is highest at $72,360 and Red River County lowest at $48,491.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Titus County | - | $58,425 | $907/mo | 71% |
| Franklin County, TX | 15 mi | $72,360 | $936/mo | 82% |
| Morris County, TX | 15 mi | $58,645 | $859/mo | 74% |
| Camp County, TX | 17 mi | $58,843 | $801/mo | 77% |
| Red River County, TX | 28 mi | $48,491 | $1,044/mo | 71% |
| Upshur County, TX | 33 mi | $66,208 | $995/mo | 81% |
| Hopkins County, TX | 35 mi | $70,888 | $1,109/mo | 71% |
Towns and communities in Titus County
4 Census places fall mainly inside Titus County; the 4 biggest are below. They account for 17,051 residents, leaving about 46% of the county in unincorporated, unnamed areas. No Titus County place has a separate guide yet; this county page serves all 4.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Mount Pleasant | city | 16,136 | $50,515 | $910 | 4 mi |
| Winfield | city | 450 | $76,250 | $825 | 9 mi |
| Talco | city | 394 | $19,213 | $738 | 13 mi |
| Miller's Cove | town | 71 | $40,625 | n/a | 10 mi |
Budget math at the Titus County median
Titus County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $4,869 before taxes
- Housing at the median rent of $907 uses 19%
- At 35%, room after rent is $797 a month
- Under a 45% cap, $2,191 total minus rent leaves $1,284
If your rent is above $907, the room shrinks dollar for dollar.
Local borrowing considerations for Titus County
Where the Titus County numbers stand out, and why it matters for a loan:
- Health costs. With 22% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Manufactured homes. 14% of Titus County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- 52% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
More Titus County figures
College graduates make up 16% of the adult population. 21.5% of residents have no health coverage.
| Indicator | Titus County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 34.9 | 35.6 | 41.5 |
| Bachelor's or higher | 16.3% | 33.8% | 22.2% |
| No high school diploma | 21.8% | 14.0% | n/a |
| No health insurance | 21.5% | 17.1% | 7.8% |
| No vehicle | 4.8% | 5.4% | 5.4% |
| Work from home | 5.2% | 14.4% | 8.7% |
| Poverty rate | 17.1% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.1% | 5.3% | 4.4% |
| Minutes to work | Titus County workers |
|---|---|
| Under 15 min | 46.5% |
| 15 to 29 min | 35.7% |
| 30 to 44 min | 8.7% |
| 45 to 59 min | 3.0% |
| 60+ min | 6.2% |
Licensing and complaints for Titus County
Licensing happens at the state level, so a lender working with Titus County borrowers answers to the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Texas guide.
Checklist for Titus County applicants
Steps that save money for Titus County residents:
- Get a written quote for whatever you are paying for in Titus County.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Titus County?
$58,425 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 187th of 254 in the state.
How much is rent in Titus County?
Median gross rent, utilities included, is $907 a month; 52% of renters spend 30% or more of income on it.
I own my home in Titus County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Titus County guide cover?
Every community in the county, unincorporated areas included. The largest of its 4 Census places: Mount Pleasant, Winfield, Talco, Miller's Cove.
Are Titus 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.