1st Advantage MortgageThe median Webb County household earns $63,058, and 21% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Texas license first.
On this page
- Webb County at a glance
- How much Webb County households make
- Webb County housing compared with Texas
- The Webb County job picture
- Webb County and the counties next door
- Webb County towns compared
- Debt-to-income at Webb County's medians
- People and households in Webb County
- What the numbers mean for Webb County borrowers
- Steps before you apply in Webb County
- Texas rules that apply in Webb County
- More guides for Webb County
- Frequently asked questions
Webb County at a glance
Webb County is home to about 269,294 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 19th most populous of 254 county-level areas in Texas. It covers 3,361 square miles of land, or about 80 people per square mile. For statistical purposes it belongs to the Laredo, TX metro area, as delineated by the Office of Management and Budget in July 2023. Of the 40 Census places inside Webb County, Laredo leads by population with about 257,619; 3 of the 40 are incorporated.
How much Webb County households make
Half of Webb County households take in less than $63,058 a year and half take in more, 20% below the Texas median of $78,476.
| Income band | Share in Webb County | Difference from Texas |
|---|---|---|
| Under $35,000 | 29.3% | +7.9 pts |
| $35,000 to $99,999 | 42.8% | +3.4 pts |
| $100,000 to $199,999 | 22.7% | -4.0 pts |
| $200,000 or more | 5.2% | -7.3 pts |
About 29% of households earn under $35,000, while 28% clear $100,000. Census counts 21.3% of Webb County residents in poverty, against 13.8% across Texas. For a borrower in Webb 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.
Webb County housing compared with Texas
A typical Webb County rental runs $1,027 a month including utilities, which is 27% below Texas. By the Census definition, 55% of Webb County renters are cost-burdened. Home values center on $189,900, or 3.0 years of median income. 65% of Webb County households own their home and 35% rent. Half the housing stock was built before 1997.
| Measure | Webb County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,027/mo | $1,403/mo | $877/mo |
| Median home value | $189,900 | $283,800 | $185,300 |
| Owners | 65% | 63% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 35% | 29% | n/a |
| Vacant units | 8% | 9% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The Webb County job picture
Education and health care employs 22% of working residents, the largest share; transportation, warehousing and utilities is next with 17%. The sharpest difference from the state is in transportation, warehousing and utilities, at 17% locally and 7% for Texas. ACS puts five-year average unemployment at 5.5% in Webb County. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work. Households without a car make up 6.6% of the total (5.4% statewide).
| Industry | Share of Webb County workers | vs Texas |
|---|---|---|
| Education and health care | 22.4% | +0.8 pts |
| Transportation, warehousing and utilities | 16.7% | +10.0 pts |
| Retail trade | 12.5% | +1.5 pts |
| Arts, lodging and food service | 9.5% | +1.0 pts |
| Professional and administrative services | 9.2% | -3.7 pts |
| Public administration | 6.6% | +2.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Webb County should have bank statements and tax returns ready.
Webb County and the counties next door
Distances run center to center, from La Salle County at 43 miles out to McMullen County at 63. Income ranges from $38,808 in Dimmit County to $57,716 in La Salle County; none of these neighbors top Webb County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Webb County | - | $63,058 | $1,027/mo | 65% |
| La Salle County, TX | 43 mi | $57,716 | $819/mo | 76% |
| Duval County, TX | 52 mi | $49,038 | $741/mo | 70% |
| Dimmit County, TX | 53 mi | $38,808 | $823/mo | 67% |
| Zapata County, TX | 54 mi | $39,239 | $617/mo | 72% |
| Jim Hogg County, TX | 61 mi | $42,211 | $824/mo | 56% |
| McMullen County, TX | 63 mi | $43,875 | $758/mo | 78% |
Webb County towns compared
40 Census places fall mainly inside Webb County; the 14 biggest are below. They account for 268,564 residents, leaving about 0% of the county in unincorporated, unnamed areas. Pueblo Nuevo has the highest median household income on the list ($78,346) and Los Altos the lowest ($22,177), counting places with at least 500 residents. No Webb County place has a separate guide yet; this county page serves all 40.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Laredo | city | 257,619 | $63,915 | $1,030 | 17 mi |
| Rio Bravo | city | 4,491 | $45,864 | $724 | 29 mi |
| El Cenizo | city | 2,122 | $48,897 | $628 | 31 mi |
| Los Altos | CDP | 1,082 | $22,177 | n/a | 19 mi |
| Pueblo Nuevo | CDP | 511 | $78,346 | n/a | 19 mi |
| Ranchos Penitas West | CDP | 395 | $61,250 | n/a | 17 mi |
| Ranchitos East | CDP | 282 | n/a | n/a | 19 mi |
| Bruni | CDP | 278 | n/a | n/a | 39 mi |
| San Carlos II | CDP | 259 | $2,499 | n/a | 19 mi |
| Ranchitos Las Lomas | CDP | 192 | n/a | n/a | 11 mi |
| Los Fresnos | CDP | 177 | n/a | n/a | 13 mi |
| Tanquecitos South Acres II | CDP | 168 | n/a | n/a | 19 mi |
| Tanquecitos South Acres | CDP | 167 | n/a | n/a | 19 mi |
| La Presa | CDP | 163 | n/a | n/a | 26 mi |
A CDP is a named community without its own municipal government.
Debt-to-income at Webb County's medians
Here is the Webb County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Webb County: $5,255
- Less median rent of $1,027, which is 20% of it
- With a 36% ceiling, about $865 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Webb County
Degree holders: 21% of adults over 25. The uninsured rate is 27.3%, against 17.1% for Texas.
| Measure | Webb County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 30.0 | 35.6 | 41.5 |
| Bachelor's or higher | 21.4% | 33.8% | 22.2% |
| No high school diploma | 29.1% | 14.0% | n/a |
| No health insurance | 27.3% | 17.1% | 7.8% |
| No vehicle | 6.6% | 5.4% | 5.4% |
| Work from home | 5.8% | 14.4% | 8.7% |
| Poverty rate | 21.3% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.5% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 29.6% |
| 15 to 29 min | 46.3% |
| 30 to 44 min | 15.9% |
| 45 to 59 min | 3.2% |
| 60+ min | 5.0% |
What the numbers mean for Webb County borrowers
Where the Webb County numbers stand out, and why it matters for a loan:
- Health costs. With 27% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- 21% below poverty. Emergency aid, payment plans and counseling (list) come first.
- Renters under pressure. When 55% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Steps before you apply in Webb County
A short checklist for Webb County borrowers:
- 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.
- Ask about early-payoff penalties.
Texas rules that apply in Webb County
Consumer lenders serving Webb County are licensed by the state, not the county; in Texas that is the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Texas guide.
More guides for Webb County
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Webb County household make?
About $63,058 a year at the median (ACS 2020-24), 20% below the Texas median.
Is Webb County expensive for renters?
Median rent is $1,027 against $1,403 statewide, and 55% of renter households are cost-burdened.
Which towns does the Webb County guide cover?
Every community in the county, unincorporated areas included. The largest of its 40 Census places: Laredo, Rio Bravo, El Cenizo, Los Altos, Pueblo Nuevo.
Are Webb County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Webb 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.