1st Advantage MortgageThe median Uvalde County household earns $53,801, and 22% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Texas before sharing details.
On this page
- Uvalde County, TX: the basics
- How much Uvalde County households make
- Jobs and commutes in Uvalde County
- Housing costs in Uvalde County
- The communities that make up Uvalde County
- Neighboring counties at a glance
- What a median Uvalde County budget can carry
- Uvalde County households compared
- What the numbers mean for Uvalde County borrowers
- Checking a lender's license in Texas
- Steps before you apply in Uvalde County
- More guides for Uvalde County
- Frequently asked questions
Uvalde County, TX: the basics
Roughly 24,881 residents live in Uvalde County, Texas, 102nd by population among the state's 254 counties and county equivalents. Land area is 1,552 square miles (2024 Gazetteer), so density runs near 16 per square mile. No metropolitan area includes Uvalde County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 5 places in the county (2 incorporated, 3 census-designated); the largest is Uvalde, with about 15,417 residents, or 62% of the county.
How much Uvalde County households make
The median household income in Uvalde County is $53,801; statewide it is $78,476, so Uvalde County runs 31% below Texas as a whole.
| Households earning | Uvalde County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 36.6% | +15.2 pts |
| $35,000 to $99,999 | 41.9% | +2.5 pts |
| $100,000 to $199,999 | 16.2% | -10.5 pts |
| $200,000 or more | 5.3% | -7.2 pts |
Some 37% of households here live on less than $35,000 a year; 22% have six-figure incomes. The poverty rate is 22.2%, 8 points higher than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.495 here. For a borrower in Uvalde 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.
Jobs and commutes in Uvalde County
Education and health care employs 27% of working residents, the largest share; construction is next with 10%. Education and health care stands out: 27% of workers here, versus 22% statewide. The survey's unemployment rate for Uvalde County averages 4.3% over 2020 to 2024 (state: 5.3%). Long commutes are the exception here: 10% of workers spend 45 minutes or longer getting to work. 5.6% of households have no vehicle.
| Sector | Uvalde County | Compared with Texas |
|---|---|---|
| Education and health care | 27.3% | +5.7 pts |
| Construction | 10.0% | +1.4 pts |
| Arts, lodging and food service | 9.4% | +1.0 pts |
| Other services | 8.5% | +3.6 pts |
| Professional and administrative services | 7.1% | -5.8 pts |
| Retail trade | 6.9% | -4.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Uvalde County should have bank statements and tax returns ready.
Housing costs in Uvalde County
Median gross rent, utilities included, comes to $981 in Uvalde County versus $1,403 statewide. By the Census definition, 37% of Uvalde County renters are cost-burdened. The median owner-occupied home is valued at $150,800, about 2.8 times the median household income. 71% of Uvalde County households own their home and 29% rent. Half the housing stock was built before 1983.
| Uvalde County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $981/mo | $1,403/mo | $877/mo |
| Median home value | $150,800 | $283,800 | $185,300 |
| Owners | 71% | 63% | 75% |
| Rent-burdened renters | 37% | 52% | 45% |
| Burdened owners | 34% | 29% | n/a |
| Mobile homes | 14.4% | 6.4% | n/a |
| Vacant units | 17% | 9% | n/a |
The communities that make up Uvalde County
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 77% of Uvalde County residents live in one of the 5. Knippa has the highest median household income on the list ($53,958) and Sabinal the lowest ($33,542), counting places with at least 500 residents. Rent is cheapest in Sabinal ($556) and steepest in Uvalde ($994). Live in one of these Uvalde County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Uvalde | city | 15,417 | $51,141 | $994 | 9 mi |
| Uvalde Estates | CDP | 1,908 | n/a | n/a | 13 mi |
| Knippa | CDP | 844 | $53,958 | $843 | 9 mi |
| Sabinal | city | 799 | $33,542 | $556 | 18 mi |
| Utopia | CDP | 169 | $115,057 | $738 | 24 mi |
Neighboring counties at a glance
Nearest neighbors first, measured between county centers (33 to 52 miles). 4 of the six report a higher median household income than Uvalde County; Medina County is highest at $78,074 and Zavala County lowest at $36,749.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Uvalde County | - | $53,801 | $981/mo | 71% |
| Real County, TX | 33 mi | $39,605 | $1,188/mo | 78% |
| Zavala County, TX | 34 mi | $36,749 | $548/mo | 69% |
| Kinney County, TX | 39 mi | $70,000 | $1,272/mo | 84% |
| Medina County, TX | 40 mi | $78,074 | $1,196/mo | 84% |
| Bandera County, TX | 42 mi | $75,813 | $1,149/mo | 86% |
| Frio County, TX | 52 mi | $66,010 | $1,016/mo | 59% |
What a median Uvalde County budget can carry
How much room does a median Uvalde County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $4,483 a month: gross income for a household at the Uvalde County median
- Rent at the median, $981, takes 22% of that
- $588: what a 35% ratio leaves once rent is paid
- $1,037: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Uvalde County households compared
20% of Uvalde County adults 25 and older hold a bachelor's degree or more. About 19% go without health insurance.
| Residents | Uvalde County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 34.5 | 35.6 | 41.5 |
| Bachelor's or higher | 19.8% | 33.8% | 22.2% |
| No high school diploma | 22.2% | 14.0% | n/a |
| No health insurance | 18.7% | 17.1% | 7.8% |
| No vehicle | 5.6% | 5.4% | 5.4% |
| Work from home | 4.9% | 14.4% | 8.7% |
| Poverty rate | 22.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.3% | 5.3% | 4.4% |
| Minutes to work | Uvalde County workers |
|---|---|
| Under 15 min | 55.8% |
| 15 to 29 min | 26.5% |
| 30 to 44 min | 7.7% |
| 45 to 59 min | 1.8% |
| 60+ min | 8.1% |
What the numbers mean for Uvalde County borrowers
Based on the Uvalde 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).
- Manufactured homes. 14% of Uvalde County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Assistance before credit. With a 22% poverty rate, check no-cost options before any Uvalde County loan.
Checking a lender's license in Texas
Licensing happens at the state level, so a lender working with Uvalde County borrowers answers to the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. A CFPB complaint gets forwarded to the company for a response. The Texas guide covers state rules in more detail.
Steps before you apply in Uvalde County
Before you apply, wherever you live in Uvalde County:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Only work with lenders licensed for Texas borrowers.
- Read the final agreement; it must match the offer.
More guides for Uvalde County
The Texas guide covers the whole state.
Frequently asked questions
What does a typical Uvalde County household make?
About $53,801 a year at the median (ACS 2020-24), 31% below the Texas median.
What do renters pay in Uvalde County?
$981 a month at the median, about 22% of median household income.
Which towns does the Uvalde County guide cover?
Every community in the county, unincorporated areas included. The largest of its 5 Census places: Uvalde, Uvalde Estates, Knippa, Sabinal, Utopia.
Does living in Uvalde 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 Uvalde County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Uvalde County residents?
The Texas Department of Banking licenses consumer lenders in Texas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.