1st Advantage MortgageVictoria County households have a median income of $70,896 and median rent of $1,157 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
- Victoria County by the numbers
- How Victoria County residents earn a living
- Household income in Victoria County
- Victoria County housing compared with Texas
- Victoria County towns compared
- Victoria County next to its neighbors
- Room for a loan payment in Victoria County
- Reading the Victoria County data as a borrower
- More Victoria County figures
- Who licenses lenders for Victoria County residents
- A Victoria County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Victoria County by the numbers
Roughly 91,413 residents live in Victoria County, Texas, 45th by population among the state's 254 counties and county equivalents. Packed into 882 square miles, that is close to 104 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Victoria, TX metropolitan area. The Census Bureau counts 5 places in the county (1 incorporated, 4 census-designated); the largest is Victoria, with about 65,625 residents, or 72% of the county.
How Victoria County residents earn a living
Education and health care employs 23% of working residents, the largest share; retail trade is next with 12%. Manufacturing stands out: 12% of workers here, versus 9% statewide. ACS puts five-year average unemployment at 4.4% in Victoria County. 12% of commuters travel 45 minutes or more each way, and 7% work from home.
| Industry | Share of Victoria County workers | vs Texas |
|---|---|---|
| Education and health care | 22.8% | +1.2 pts |
| Retail trade | 12.4% | +1.4 pts |
| Manufacturing | 12.0% | +3.4 pts |
| Arts, lodging and food service | 9.5% | +1.0 pts |
| Construction | 8.5% | 0.0 pts |
| Professional and administrative services | 7.4% | -5.5 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Household income in Victoria County
Victoria County households have a median income of $70,896 (ACS 2020 to 2024), which ranks 77th of 254 in Texas.
| Income band | Share in Victoria County | Difference from Texas |
|---|---|---|
| Under $35,000 | 25.3% | +3.9 pts |
| $35,000 to $99,999 | 42.3% | +2.9 pts |
| $100,000 to $199,999 | 25.7% | -1.0 pts |
| $200,000 or more | 6.7% | -5.8 pts |
Some 25% of households here live on less than $35,000 a year; 32% have six-figure incomes. Census counts 16.2% of Victoria County residents in poverty, against 13.8% across Texas. Income inequality, measured by the Gini index, comes to 0.435 here. None of these numbers decides a Victoria County application. Lenders weigh your own documented income against your own debts.
Victoria County housing compared with Texas
Median gross rent, utilities included, comes to $1,157 in Victoria County versus $1,403 statewide. 48% of renting households spend 30% or more of income on rent, and 27% spend half or more. The median owner-occupied home is valued at $209,900, about 3.0 times the median household income. 65% of Victoria County households own their home and 35% rent. Median construction year: 1983.
| Victoria County | Texas | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,157/mo | $1,403/mo | $877/mo |
| Median home value | $209,900 | $283,800 | $185,300 |
| Owners | 65% | 63% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 25% | 29% | n/a |
| Vacant units | 12% | 9% | n/a |
Victoria County towns compared
5 Census places fall mainly inside Victoria County; the 5 biggest are below. They account for 71,805 residents, leaving about 21% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $52,666 in Bloomington to $89,792 in Quail Creek. Rent is cheapest in Bloomington ($745) and steepest in Quail Creek ($1,309). None of the 5 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Victoria | city | 65,625 | $67,226 | $1,172 | 2 mi |
| Inez | CDP | 2,031 | $82,838 | $847 | 12 mi |
| Bloomington | CDP | 1,895 | $52,666 | $745 | 11 mi |
| Quail Creek | CDP | 1,715 | $89,792 | $1,309 | 7 mi |
| Placedo | CDP | 539 | n/a | n/a | 11 mi |
Victoria County next to its neighbors
Six nearby counties, 26 to 41 miles away by the straight-line distance between their centers. Calhoun County leads the group on income ($79,959), Goliad County trails ($59,359), and Victoria County out-earns 5 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Victoria County | - | $70,896 | $1,157/mo | 65% |
| Jackson County, TX | 26 mi | $65,414 | $1,065/mo | 71% |
| Goliad County, TX | 29 mi | $59,359 | $754/mo | 87% |
| DeWitt County, TX | 31 mi | $63,730 | $921/mo | 74% |
| Calhoun County, TX | 34 mi | $79,959 | $891/mo | 77% |
| Refugio County, TX | 35 mi | $60,181 | $795/mo | 77% |
| Lavaca County, TX | 41 mi | $63,240 | $910/mo | 78% |
Room for a loan payment in Victoria County
Victoria County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,908 before taxes
- Less median rent of $1,157, which is 20% of it
- 40% debt-to-income limit: $1,206 left for all other debt payments
If your rent is above $1,157, the room shrinks dollar for dollar.
Reading the Victoria County data as a borrower
Where the Victoria County numbers stand out, and why it matters for a loan:
- Medical bills. 17% of Victoria County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Tight rental budgets. With 48% of Victoria County renters cost-burdened, test a new payment against a lean month.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
More Victoria County figures
Degree holders: 20% of adults over 25. The uninsured rate is 17.2%, against 17.1% for Texas.
| Residents | Victoria County | Texas | Middle U.S. county |
|---|---|---|---|
| Median age | 36.7 | 35.6 | 41.5 |
| Bachelor's or higher | 19.9% | 33.8% | 22.2% |
| No high school diploma | 15.1% | 14.0% | n/a |
| No health insurance | 17.2% | 17.1% | 7.8% |
| No vehicle | 6.2% | 5.4% | 5.4% |
| Work from home | 6.8% | 14.4% | 8.7% |
| Poverty rate | 16.2% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.4% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 38.3% |
| 15 to 29 min | 35.9% |
| 30 to 44 min | 13.9% |
| 45 to 59 min | 7.3% |
| 60+ min | 4.6% |
Who licenses lenders for Victoria County residents
Consumer lenders serving Victoria County are licensed by the state, not the county; in Texas that is the Texas Department of Banking. Consumer lending in Texas is also overseen by the Office of Consumer Credit Commissioner. Problems with a lender can also go to the CFPB. More on Texas: Texas personal loans.
A Victoria County borrower's checklist
A short checklist for Victoria County borrowers:
- Price the Victoria County expense first and borrow that amount, no more.
- Shop at least three lenders, including one Victoria County-area credit union.
- Confirm the lender is licensed in Texas.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
Is Victoria County a high-income county?
Its $70,896 median ranks 77th of 254 Texas counties and compares with $65,681 for the median U.S. county.
How much is rent in Victoria County?
Median gross rent, utilities included, is $1,157 a month; 48% of renters spend 30% or more of income on it.
I live in a small Victoria County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Victoria, Inez, Bloomington, Quail Creek, Placedo.
Does living in Victoria 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 Victoria County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Victoria 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.