1st Advantage MortgageVal Verde County households have a median income of $66,100 and median rent of $994 a month (ACS 2020 to 2024). 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
- Val Verde County, TX: the basics
- Paychecks and income spread in Val Verde County
- Jobs and commutes in Val Verde County
- Housing costs in Val Verde County
- Cities, towns and CDPs in Val Verde County
- Val Verde County next to its neighbors
- A Val Verde County household budget, worked through
- Val Verde County residents: age, schooling, coverage
- Local borrowing considerations for Val Verde County
- Lender oversight for Val Verde County
- Before you sign
- Related local guides
- Frequently asked questions
Val Verde County, TX: the basics
Val Verde County is home to about 47,741 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 75th most populous of 254 county-level areas in Texas. It covers 3,145 square miles of land, or about 15 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 7 Census places inside Val Verde County, Del Rio leads by population with about 34,668; 1 of the 7 are incorporated.
Paychecks and income spread in Val Verde County
Half of Val Verde County households take in less than $66,100 a year and half take in more, 16% below the Texas median of $78,476. That places it 117th among Texas's 254 county-level areas.
| Income band | Share in Val Verde County | Difference from Texas |
|---|---|---|
| Under $35,000 | 28.6% | +7.2 pts |
| $35,000 to $99,999 | 43.3% | +4.0 pts |
| $100,000 to $199,999 | 23.8% | -2.9 pts |
| $200,000 or more | 4.3% | -8.2 pts |
Some 29% of households here live on less than $35,000 a year; 28% have six-figure incomes. The poverty rate is 16.6%, 3 points higher than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.438 here. None of these numbers decides a Val Verde County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Val Verde County
Education and health care employs 26% of working residents, the largest share; public administration is next with 15%. Public administration stands out: 15% of workers here, versus 4% statewide. ACS puts five-year average unemployment at 5.9% in Val Verde County. About 74% drive to work alone and 7% have trips of 45 minutes or more. 5.9% of households have no vehicle.
| Top industries | Val Verde County share | +/- vs Texas |
|---|---|---|
| Education and health care | 25.9% | +4.3 pts |
| Public administration | 15.3% | +11.2 pts |
| Arts, lodging and food service | 9.1% | +0.6 pts |
| Retail trade | 8.9% | -2.1 pts |
| Professional and administrative services | 7.4% | -5.4 pts |
| Construction | 7.0% | -1.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Val Verde County should have bank statements and tax returns ready.
Housing costs in Val Verde County
Renters in Val Verde County pay a median of $994 a month, 29% below the Texas figure of $1,403. By the Census definition, 44% of Val Verde County renters are cost-burdened. With a median value of $164,600, a typical Val Verde County house costs 2.5 times what the median household earns in a year. The ownership rate is 69%. Half the housing stock was built before 1983.
| Measure | Val Verde County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $994/mo | $1,403/mo | $877/mo |
| Median home value | $164,600 | $283,800 | $185,300 |
| Owners | 69% | 63% | 75% |
| Rent-burdened renters | 44% | 52% | 45% |
| Burdened owners | 26% | 29% | n/a |
Cities, towns and CDPs in Val Verde County
The table lists the 7 largest of 7 Census places in Val Verde County, by population. Together all 7 hold about 41,662 people, so roughly 13% of residents live outside any named place. Incomes vary by place: $67,208 at the median in Laughlin AFB, $59,785 in Cienegas Terrace. Live in one of these Val Verde County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Del Rio | city | 34,668 | $66,158 | $895 | 38 mi |
| Val Verde Park | CDP | 3,139 | $61,734 | $887 | 39 mi |
| Cienegas Terrace | CDP | 1,868 | $59,785 | $966 | 37 mi |
| Laughlin AFB | CDP | 1,595 | $67,208 | $1,467 | 42 mi |
| Lake View | CDP | 349 | n/a | n/a | 31 mi |
| Amistad | CDP | 24 | $65,000 | n/a | 24 mi |
| Box Canyon | CDP | 19 | n/a | n/a | 24 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Val Verde County next to its neighbors
Distances run center to center, from Edwards County at 51 miles out to Schleicher County at 80. Income ranges from $40,313 in Edwards County to $86,694 in Schleicher County; 4 of these neighbors top Val Verde County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Val Verde County | - | $66,100 | $994/mo | 69% |
| Edwards County, TX | 51 mi | $40,313 | $713/mo | 88% |
| Kinney County, TX | 57 mi | $70,000 | $1,272/mo | 84% |
| Sutton County, TX | 58 mi | $78,906 | $772/mo | 76% |
| Crockett County, TX | 60 mi | $81,022 | $558/mo | 74% |
| Terrell County, TX | 61 mi | $44,886 | n/a | 89% |
| Schleicher County, TX | 80 mi | $86,694 | $660/mo | 84% |
A Val Verde County household budget, worked through
How much room does a median Val Verde County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Val Verde County: $5,508
- Housing at the median rent of $994 uses 18%
- At 40%, room after rent is $1,209 a month
If your rent is above $994, the room shrinks dollar for dollar.
Val Verde County residents: age, schooling, coverage
College graduates make up 23% of the adult population. About 17% go without health insurance.
| Measure | Val Verde County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 32.3 | 35.6 | 41.5 |
| Bachelor's or higher | 22.5% | 33.8% | 22.2% |
| No high school diploma | 23.2% | 14.0% | n/a |
| No health insurance | 17.5% | 17.1% | 7.8% |
| No vehicle | 5.9% | 5.4% | 5.4% |
| Work from home | 5.8% | 14.4% | 8.7% |
| Poverty rate | 16.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.9% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 46.3% |
| 15 to 29 min | 39.3% |
| 30 to 44 min | 7.3% |
| 45 to 59 min | 1.5% |
| 60+ min | 5.5% |
Local borrowing considerations for Val Verde County
Where the Val Verde County numbers stand out, and why it matters for a loan:
- Hospital bills in Val Verde County. For the 17% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Check your file. An error fixed before you apply can change the offers a Val Verde County borrower sees (free reports).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Lender oversight for Val Verde County
Licensing happens at the state level, so a lender working with Val Verde 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. See the Texas state guide for the statewide picture.
Before you sign
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Val Verde County.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Texas license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Related local guides
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Val Verde County?
$66,100 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 117th of 254 in the state.
How much is rent in Val Verde County?
Median gross rent, utilities included, is $994 a month; 44% of renters spend 30% or more of income on it.
Which towns does the Val Verde County guide cover?
Every community in the county, unincorporated areas included. The largest of its 7 Census places: Del Rio, Val Verde Park, Cienegas Terrace, Laughlin AFB, Lake View.
Is the fit check different in Val Verde County?
No. It is identical everywhere, and it never looks at your neighborhood.
Where can someone in Val Verde County check a lender's license?
With the Texas Department of Banking. If a lender is unlicensed or asks for a fee before funding, walk away.