1st Advantage MortgageIn Upton County, Texas, the typical household earns $49,167 a year and the typical rent is $720. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Upton County
- Income in Upton County compared with Texas
- Employment and commuting in Upton County
- Upton County housing compared with Texas
- Upton County next to its neighbors
- Places inside Upton County
- Debt-to-income at Upton County's medians
- Reading the Upton County data as a borrower
- More Upton County figures
- Texas rules that apply in Upton County
- Four steps for Upton County borrowers
- More guides for Upton County
- Frequently asked questions
Who lives in Upton County
With an estimated 3,191 residents (ACS 2020 to 2024), Upton County ranks 220th of 254 in Texas for population. Spread over 1,241 square miles, that works out to roughly 2.6 residents per square mile. Under the July 2023 OMB definitions, Upton County is not part of any metropolitan area. The Census Bureau counts 2 places in the county (2 incorporated, 0 census-designated); the largest is McCamey, with about 1,643 residents, or 51% of the county. Small populations mean wide margins of error, so read every Upton County figure on this page as a rough guide.
Income in Upton County compared with Texas
The median household income in Upton County is $49,167; statewide it is $78,476, so Upton County runs 37% below Texas as a whole.
| Income band | Share in Upton County | Difference from Texas |
|---|---|---|
| Under $35,000 | 41.7% | +20.3 pts |
| $35,000 to $99,999 | 33.4% | -6.0 pts |
| $100,000 to $199,999 | 21.3% | -5.4 pts |
| $200,000 or more | 3.6% | -8.9 pts |
About 42% of households earn under $35,000, while 25% clear $100,000. 16.0% of residents fall below the federal poverty line (statewide: 13.8%). None of these numbers decides a Upton County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Upton County
The biggest employer of Upton County residents, by industry, is agriculture, forestry and mining at 31% of workers, followed by education and health care (16%). The sharpest difference from the state is in agriculture, forestry and mining, at 31% locally and 2% for Texas. The survey's unemployment rate for Upton County averages 3.5% over 2020 to 2024 (state: 5.3%). 26% of commuters travel 45 minutes or more each way, and 6% work from home.
| Industry | Share of Upton County workers | vs Texas |
|---|---|---|
| Agriculture, forestry and mining | 31.0% | +28.8 pts |
| Education and health care | 16.5% | -5.1 pts |
| Transportation, warehousing and utilities | 14.5% | +7.8 pts |
| Retail trade | 11.7% | +0.7 pts |
| Public administration | 10.6% | +6.5 pts |
| Construction | 6.8% | -1.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Upton County should have bank statements and tax returns ready.
Upton County housing compared with Texas
Renters in Upton County pay a median of $720 a month, 49% below the Texas figure of $1,403. By the Census definition, 43% of Upton County renters are cost-burdened. With a median value of $109,000, a typical Upton County house costs 2.2 times what the median household earns in a year. The ownership rate is 77%. The median home was built in 1967, so roofs, wiring and heating systems are a common source of repair bills.
| Upton County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $720/mo | $1,403/mo | $877/mo |
| Median home value | $109,000 | $283,800 | $185,300 |
| Owners | 77% | 63% | 75% |
| Rent-burdened renters | 43% | 52% | 45% |
| Burdened owners | 26% | 29% | n/a |
| Mobile homes | 15.6% | 6.4% | n/a |
In an owner-heavy county like Upton 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.
Upton County next to its neighbors
Distances run center to center, from Crane County at 27 miles out to Pecos County at 57. Glasscock County leads the group on income ($101,250), Reagan County trails ($57,813), and Upton County out-earns 0 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Upton County | - | $49,167 | $720/mo | 77% |
| Crane County, TX | 27 mi | $62,212 | $882/mo | 84% |
| Reagan County, TX | 31 mi | $57,813 | $746/mo | 70% |
| Midland County, TX | 32 mi | $92,874 | $1,407/mo | 68% |
| Ector County, TX | 46 mi | $71,536 | $1,259/mo | 65% |
| Glasscock County, TX | 47 mi | $101,250 | $648/mo | 68% |
| Pecos County, TX | 57 mi | $72,750 | $918/mo | 72% |
Places inside Upton County
The table lists the 2 largest of 2 Census places in Upton County, by population. Together all 2 hold about 2,730 people, so roughly 14% of residents live outside any named place. No Upton County place has a separate guide yet; this county page serves all 2.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| McCamey | city | 1,643 | $43,203 | $1,176 | 19 mi |
| Rankin | city | 1,087 | $71,596 | $564 | 11 mi |
Debt-to-income at Upton County's medians
How much room does a median Upton County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $4,097 gross per month ($49,167 / 12)
- 18% goes to median rent ($720)
- $919: what a 40% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Upton County's.
Reading the Upton County data as a borrower
Based on the Upton County data above, these borrowing questions are most likely to matter locally.
- Health costs. With 19% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Vehicle repairs. 26% of Upton County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Manufactured homes. 16% of Upton County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
More Upton County figures
Degree holders: 9% of adults over 25. About 19% go without health insurance.
| People and households | Upton County | Texas | Median county |
|---|---|---|---|
| Median age | 40.8 | 35.6 | 41.5 |
| Bachelor's or higher | 8.7% | 33.8% | 22.2% |
| No high school diploma | 20.6% | 14.0% | n/a |
| No health insurance | 18.8% | 17.1% | 7.8% |
| No vehicle | 2.8% | 5.4% | 5.4% |
| Work from home | 6.2% | 14.4% | 8.7% |
| Poverty rate | 16.0% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.5% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 43.0% |
| 15 to 29 min | 14.8% |
| 30 to 44 min | 16.0% |
| 45 to 59 min | 1.9% |
| 60+ min | 24.4% |
Texas rules that apply in Upton County
Upton County borrowers fall under statewide rules, enforced by the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Problems with a lender can also go to the CFPB. The Texas guide covers state rules in more detail.
Four steps for Upton County borrowers
Quick steps for Upton County:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Texas.
- Ask about early-payoff penalties.
More guides for Upton County
For statewide rules and data, see the Texas guide.
Frequently asked questions
How much do households in Upton County earn?
The median is $49,167; 25% earn $100,000 or more and 42% under $35,000. A lender uses your own documented income, not this figure.
Is Upton County expensive for renters?
Median rent is $720 against $1,403 statewide, and 43% of renter households are cost-burdened.
I live in a small Upton County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers McCamey, Rankin.
Can Upton 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.
Is there a Upton County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.