1st Advantage MortgageAbout 65% of Tom Green County homes are owner-occupied, and the median household income is $68,370. County medians do not set your terms. Shop at least three lenders, including a credit union serving Tom Green County, and confirm each one's Texas license.
On this page
- Population and place: Tom Green County
- Tom Green County's most unusual numbers
- Tom Green County income bands
- How Tom Green County residents earn a living
- Renting and owning in Tom Green County
- Places inside Tom Green County
- The counties around Tom Green County
- What a median Tom Green County budget can carry
- Before borrowing in Tom Green County
- Tom Green County residents: age, schooling, coverage
- Who licenses lenders for Tom Green County residents
- Steps before you apply in Tom Green County
- Related local guides
- Frequently asked questions
Population and place: Tom Green County
The latest five-year Census estimate puts Tom Green County's population at 119,577; only 38 of Texas's 254 county-level areas are larger. It covers 1,522 square miles of land, or about 79 people per square mile. Tom Green County counts toward the San Angelo, TX metro in the 2023 OMB delineation, so regional figures for San Angelo, TX include it. Of the 4 Census places inside Tom Green County, San Angelo leads by population with about 99,674; 1 of the 4 are incorporated.
Tom Green County's most unusual numbers
Out of every Texas county, Tom Green County is most unusual on these measures.
- The share of mobile homes: 5.1% in Tom Green County. Only 26 of 254 Texas counties are lower. Few mobile homes means most owners have traditional equity options.
- On the share of commutes over 45 minutes, Tom Green County sits near the bottom of Texas at 9%, 36th lowest of 253. Short commutes keep vehicle costs down, which can free up room for savings.
- Homeownership: 65% in Tom Green County. Only 40 of 254 Texas counties are lower. Many renters means few borrowers have home equity to fall back on.
- Tom Green County ranks 39th highest of 254 Texas counties for population: 119,577, against 30,188,424 statewide. More people usually means more banks and credit unions to compare nearby.
Tom Green County income bands
Tom Green County households have a median income of $68,370 (ACS 2020 to 2024), which ranks 98th of 254 in Texas.
| Income band | Share in Tom Green County | Difference from Texas |
|---|---|---|
| Under $35,000 | 23.6% | +2.2 pts |
| $35,000 to $99,999 | 45.5% | +6.1 pts |
| $100,000 to $199,999 | 24.6% | -2.1 pts |
| $200,000 or more | 6.3% | -6.2 pts |
The spread is wide: 31% of Tom Green County households make $100,000 or more, and 24% make less than $35,000. The poverty rate is 11.1%, 3 points lower than the state's 13.8%. Tom Green County scores 0.451 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Tom Green County application. Lenders weigh your own documented income against your own debts.
How Tom Green County residents earn a living
By the Census industry count, 25% of employed Tom Green County residents work in education and health care and 12% in retail trade. Public administration stands out: 7% of workers here, versus 4% statewide. Averaged over the five survey years, 3.7% of the labor force was out of work and looking. About 74% drive to work alone and 9% have trips of 45 minutes or more. No car: 5.0% of Tom Green County households.
| Top industries | Tom Green County share | +/- vs Texas |
|---|---|---|
| Education and health care | 24.7% | +3.1 pts |
| Retail trade | 11.9% | +0.9 pts |
| Arts, lodging and food service | 9.6% | +1.1 pts |
| Professional and administrative services | 8.8% | -4.1 pts |
| Construction | 7.7% | -0.8 pts |
| Public administration | 7.4% | +3.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Tom Green County should have bank statements and tax returns ready.
Renting and owning in Tom Green County
Median gross rent, utilities included, comes to $1,154 in Tom Green County versus $1,403 statewide. About 5 in 10 Tom Green County renters pay 30% or more of income for rent. The median owner-occupied home is valued at $197,000, about 2.9 times the median household income. The ownership rate is 65%. Median construction year: 1980.
| Home costs | Tom Green County | Texas | Compared with Texas |
|---|---|---|---|
| Median gross rent | $1,154/mo | $1,403/mo | 18% lower |
| Median home value | $197,000 | $283,800 | 31% lower |
| Owners | 65% | 63% | +2.6 pts |
| Rent-burdened renters | 49% | 52% | -2.7 pts |
| Burdened owners | 28% | 29% | -0.9 pts |
| Mobile homes | 5.1% | 6.4% | -1.3 pts |
| Vacant units | 11% | 9% | +1.3 pts |
Places inside Tom Green County
Places, by size: the top 4 of 4. Roughly 12% of Tom Green County lives outside all of them, in open country or unnamed settlements. Incomes vary by place: $65,864 at the median in San Angelo, $53,299 in Grape Creek. San Angelo and every other Tom Green County community use this county guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| San Angelo | city | 99,674 | $65,864 | $1,153 | 3 mi |
| Grape Creek | CDP | 4,036 | $53,299 | $1,076 | 14 mi |
| Carlsbad | CDP | 831 | $55,469 | n/a | 18 mi |
| Christoval | CDP | 490 | n/a | n/a | 14 mi |
The counties around Tom Green County
Irion County is closest, 31 miles from center to center; the sixth, Sterling County, is 46 miles off. Income ranges from $43,333 in Coke County to $86,694 in Schleicher County; 2 of these neighbors top Tom Green County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Tom Green County | - | $68,370 | $1,154/mo | 65% |
| Irion County, TX | 31 mi | $70,357 | $1,950/mo | 83% |
| Coke County, TX | 35 mi | $43,333 | $729/mo | 71% |
| Schleicher County, TX | 35 mi | $86,694 | $660/mo | 84% |
| Concho County, TX | 36 mi | $65,795 | $733/mo | 80% |
| Runnels County, TX | 42 mi | $62,632 | $847/mo | 75% |
| Sterling County, TX | 46 mi | $64,954 | $952/mo | 78% |
What a median Tom Green County budget can carry
How much room does a median Tom Green County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $5,698 a month: gross income for a household at the Tom Green County median
- Median rent: $1,154, or 20 cents of every gross dollar
- 43% debt-to-income limit: $1,296 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Tom Green County
A few patterns in the Tom Green County data, and the practical point behind each:
- Care without coverage. About 18,488 Tom Green County residents lack insurance; check charity care before a loan (how).
- Rent at $1,154. With 49% burdened, a short term and small amount keep risk down.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Tom Green County residents: age, schooling, coverage
Degree holders: 25% of adults over 25. Health coverage gaps: 15.5% of Tom Green County residents are uninsured.
| Measure | Tom Green County | Gap to Texas | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 25.5% | -8.4 pts | +3.3 pts |
| Work from home | 8.9% | -5.4 pts | +0.3 pts |
| Poverty rate | 11.1% | -2.7 pts | -2.1 pts |
| No health insurance | 15.5% | -1.7 pts | +7.6 pts |
| Unemployment (ACS) | 3.7% | -1.6 pts | -0.8 pts |
| No high school diploma | 12.9% | -1.1 pts | n/a |
| No vehicle | 5.0% | -0.5 pts | -0.5 pts |
| Median age | 36.0 | +0.4 yrs | -5.5 yrs |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 47.1% |
| 15 to 29 min | 38.5% |
| 30 to 44 min | 5.7% |
| 45 to 59 min | 1.7% |
| 60+ min | 6.9% |
Who licenses lenders for Tom Green County residents
Tom Green County borrowers fall under statewide rules, enforced by the Texas Department of Banking. The Office of Consumer Credit Commissioner handles consumer-credit questions as well. A CFPB complaint gets forwarded to the company for a response. The Texas page has statewide figures to set beside Tom Green County's.
Steps before you apply in Tom Green County
Before you apply, wherever you live in Tom Green County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Tom Green County-area credit union.
- A Texas license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Tom Green County household make?
About $68,370 a year at the median (ACS 2020-24), 13% below the Texas median.
What do renters pay in Tom Green County?
$1,154 a month at the median, about 20% of median household income.
How many towns are in Tom Green County?
The Census Bureau counts 4 places mainly in the county, led by San Angelo, Grape Creek, Carlsbad, Christoval.
Does living in Tom Green County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Tom Green County resident as anyone. Lenders decide under fair-lending law.
Is there a Tom Green County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.