1st Advantage MortgageIn Trinity County, Texas, the typical household earns $52,018 a year and the typical rent is $856. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Trinity County
- Income in Trinity County compared with Texas
- Employment and commuting in Trinity County
- Rent, home values and ownership in Trinity County
- Trinity County towns compared
- The counties around Trinity County
- A Trinity County household budget, worked through
- Borrowing situations common in Trinity County
- Who lives in Trinity County, in numbers
- Who licenses lenders for Trinity County residents
- Checklist for Trinity County applicants
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Trinity County
Roughly 14,046 residents live in Trinity County, Texas, 143rd by population among the state's 254 counties and county equivalents. Spread over 694 square miles, that works out to roughly 20.2 residents per square mile. No metropolitan area includes Trinity County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 3 places in the county (2 incorporated, 1 census-designated); the largest is Trinity, with about 2,258 residents, or 16% of the county.
Income in Trinity County compared with Texas
Half of Trinity County households take in less than $52,018 a year and half take in more, 34% below the Texas median of $78,476. Only 217 Texas counties post a higher median.
| Yearly household income | Trinity County | Gap to Texas |
|---|---|---|
| Under $35,000 | 33.1% | +11.7 pts |
| $35,000 to $99,999 | 43.3% | +3.9 pts |
| $100,000 to $199,999 | 20.6% | -6.1 pts |
| $200,000 or more | 3.0% | -9.5 pts |
About 33% of households earn under $35,000, while 24% clear $100,000. The poverty rate is 17.6%, 4 points higher than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.478 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Employment and commuting in Trinity County
The biggest employer of Trinity County residents, by industry, is education and health care at 19% of workers, followed by public administration (11%). Compared with Texas, the county leans toward public administration (11% against 4%). ACS puts five-year average unemployment at 6.5% in Trinity County. Long commutes are common here: 30% of workers spend 45 minutes or longer getting to work. Households without a car make up 9.7% of the total (5.4% statewide).
| Top industries | Trinity County share | +/- vs Texas |
|---|---|---|
| Education and health care | 19.3% | -2.3 pts |
| Public administration | 10.7% | +6.6 pts |
| Construction | 9.9% | +1.4 pts |
| Retail trade | 9.7% | -1.3 pts |
| Finance, insurance and real estate | 9.2% | +2.2 pts |
| Transportation, warehousing and utilities | 7.6% | +0.9 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Rent, home values and ownership in Trinity County
A typical Trinity County rental runs $856 a month including utilities, which is 39% below Texas. By the Census definition, 48% of Trinity County renters are cost-burdened. The median owner-occupied home is valued at $119,500, about 2.3 times the median household income. The ownership rate is 79%. Median construction year: 1988.
| Measure | Trinity County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $856/mo | $1,403/mo | $877/mo |
| Median home value | $119,500 | $283,800 | $185,300 |
| Owners | 79% | 63% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 26% | 29% | n/a |
| Mobile homes | 37.6% | 6.4% | n/a |
| Vacant units | 27% | 9% | n/a |
Because most Trinity County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Trinity County towns compared
The table lists the 3 largest of 3 Census places in Trinity County, by population. Together all 3 hold about 4,648 people, so roughly 67% of residents live outside any named place. Westwood Shores has the highest median household income on the list ($46,198) and Trinity the lowest ($27,717), counting places with at least 500 residents. None of the 3 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Trinity | city | 2,258 | $27,717 | $835 | 17 mi |
| Westwood Shores | CDP | 1,466 | $46,198 | n/a | 15 mi |
| Groveton | city | 924 | $41,875 | $656 | 3 mi |
The counties around Trinity County
Nearest neighbors first, measured between county centers (22 to 47 miles). All of the six report a higher median household income than Trinity County; Madison County is highest at $74,596 and Walker County lowest at $52,324.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Trinity County | - | $52,018 | $856/mo | 79% |
| Houston County, TX | 22 mi | $56,531 | $887/mo | 71% |
| Polk County, TX | 28 mi | $62,259 | $987/mo | 78% |
| Angelina County, TX | 34 mi | $60,960 | $1,076/mo | 64% |
| Walker County, TX | 35 mi | $52,324 | $1,031/mo | 56% |
| San Jacinto County, TX | 36 mi | $65,364 | $1,060/mo | 85% |
| Madison County, TX | 47 mi | $74,596 | $851/mo | 75% |
A Trinity County household budget, worked through
Trinity County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Trinity County: $4,335
- Rent at the median, $856, takes 20% of that
- At 43%, room after rent is $1,008 a month
Two-income households and single earners in Trinity County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Trinity County
The county's numbers point to a few situations that come up often for Trinity County borrowers.
- Health costs. With 16% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Keeping the car running. At 30% with long commutes, repairs are a frequent Trinity County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 38% of homes here, compare a personal loan with any dealer or park repair program.
- Retirees. At a median age of 49.2, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
Who lives in Trinity County, in numbers
17% of Trinity County adults 25 and older hold a bachelor's degree or more. 16.0% of residents have no health coverage.
| Measure | Trinity County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 49.2 | 35.6 | 41.5 |
| Bachelor's or higher | 16.8% | 33.8% | 22.2% |
| No high school diploma | 11.3% | 14.0% | n/a |
| No health insurance | 16.0% | 17.1% | 7.8% |
| No vehicle | 9.7% | 5.4% | 5.4% |
| Work from home | 8.0% | 14.4% | 8.7% |
| Poverty rate | 17.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 6.5% | 5.3% | 4.4% |
| Commute length | Trinity County |
|---|---|
| Under 15 min | 23.1% |
| 15 to 29 min | 17.3% |
| 30 to 44 min | 29.5% |
| 45 to 59 min | 10.6% |
| 60+ min | 19.5% |
Who licenses lenders for Trinity County residents
Trinity 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. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Texas state guide for the statewide picture.
Checklist for Trinity County applicants
Steps that save money for Trinity County residents:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Texas license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What does a typical Trinity County household make?
About $52,018 a year at the median (ACS 2020-24), 34% below the Texas median.
How much is rent in Trinity County?
Median gross rent, utilities included, is $856 a month; 48% of renters spend 30% or more of income on it.
I own my home in Trinity County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Trinity County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Trinity, Westwood Shores, Groveton.
Can Trinity County residents use the questionnaire?
Yes. It asks the same questions in every Texas county, lists every requirement up front and does not affect your credit score.