1st Advantage MortgageAbout 66% of Williamson County homes are owner-occupied, and the median household income is $111,340. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Williamson County
- Housing costs in Williamson County
- Income in Williamson County compared with Texas
- Employment and commuting in Williamson County
- Cities, towns and CDPs in Williamson County
- The counties around Williamson County
- Room for a loan payment in Williamson County
- People and households in Williamson County
- What the numbers mean for Williamson County borrowers
- A Williamson County borrower's checklist
- Texas rules that apply in Williamson County
- More guides for Williamson County
- Frequently asked questions
Getting oriented in Williamson County
Williamson County is home to about 672,688 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 12th most populous of 254 county-level areas in Texas. Land area is 1,116 square miles (2024 Gazetteer), so density runs near 603 per square mile. For statistical purposes it belongs to the Austin-Round Rock-San Marcos, TX metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 19 places in the county (15 incorporated, 4 census-designated); the largest is Round Rock, with about 127,786 residents, or 19% of the county.
Housing costs in Williamson County
Renters in Williamson County pay a median of $1,796 a month, 28% above the Texas figure of $1,403. Rent takes 30% or more of income for 48% of renter households here. With a median value of $447,000, a typical Williamson County house costs 4.0 times what the median household earns in a year. 66% of Williamson County households own their home and 34% rent. Half the housing stock was built before 2006.
| Measure | Williamson County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,796/mo | $1,403/mo | $877/mo |
| Median home value | $447,000 | $283,800 | $185,300 |
| Owners | 66% | 63% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 25% | 29% | n/a |
| Mobile homes | 1.9% | 6.4% | n/a |
| Vacant units | 4% | 9% | n/a |
Income in Williamson County compared with Texas
Williamson County households have a median income of $111,340 (ACS 2020 to 2024), which ranks 6th of 254 in Texas.
| Yearly household income | Williamson County | Gap to Texas |
|---|---|---|
| Under $35,000 | 10.9% | -10.5 pts |
| $35,000 to $99,999 | 33.4% | -5.9 pts |
| $100,000 to $199,999 | 35.7% | +9.0 pts |
| $200,000 or more | 19.9% | +7.5 pts |
The spread is wide: 56% of Williamson County households make $100,000 or more, and 11% make less than $35,000. Census counts 6.4% of Williamson County residents in poverty, against 13.8% across Texas. For a borrower in Williamson 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.
Employment and commuting in Williamson County
The biggest employer of Williamson County residents, by industry, is education and health care at 20% of workers, followed by professional and administrative services (19%). Professional and administrative services stands out: 19% of workers here, versus 13% statewide. Averaged over the five survey years, 3.9% of the labor force was out of work and looking. About 64% drive to work alone and 19% have trips of 45 minutes or more. Households without a car make up 3.0% of the total (5.4% statewide).
| Where residents work | Williamson County | Difference from Texas |
|---|---|---|
| Education and health care | 19.9% | -1.7 pts |
| Professional and administrative services | 18.7% | +5.8 pts |
| Retail trade | 11.5% | +0.5 pts |
| Manufacturing | 8.9% | +0.4 pts |
| Finance, insurance and real estate | 7.8% | +0.7 pts |
| Arts, lodging and food service | 7.3% | -1.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Cities, towns and CDPs in Williamson County
The table lists the 14 largest of 19 Census places in Williamson County, by population. Together all 19 hold about 540,412 people, so roughly 20% of residents live outside any named place. Incomes vary by place: $160,592 at the median in Santa Rita Ranch, $67,438 in Bartlett. City guides exist for the linked Williamson County places; everyone else in the county can use this page.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Round Rock | city | 127,786 | $99,287 | $1,763 | 9 mi |
| Georgetown | city | 85,999 | $95,062 | $1,795 | 6 mi |
| Cedar Park | city | 78,301 | $129,545 | $1,846 | 16 mi |
| Leander | city | 74,067 | $139,048 | $1,939 | 16 mi |
| Pflugerville | city | 65,971 | $117,799 | $1,932 | 14 mi |
| Hutto | city | 35,483 | $118,834 | $2,255 | 8 mi |
| Brushy Creek | CDP | 19,576 | $138,589 | $2,127 | 12 mi |
| Taylor | city | 17,136 | $75,508 | $1,074 | 12 mi |
| Sonterra | CDP | 10,563 | $92,319 | $1,854 | 11 mi |
| Liberty Hill | city | 8,371 | $115,096 | $1,508 | 18 mi |
| Santa Rita Ranch | CDP | 6,586 | $160,592 | $2,701 | 13 mi |
| Jarrell | city | 3,295 | $111,333 | $1,868 | 11 mi |
| Bartlett | city | 1,941 | $67,438 | $756 | 14 mi |
| Serenada | CDP | 1,444 | $154,653 | n/a | 7 mi |
The counties around Williamson County
The six counties whose centers lie closest to Williamson County's, from 28 to 44 miles away. Income ranges from $66,141 in Milam County to $99,611 in Travis County; none of these neighbors top Williamson County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Williamson County | - | $111,340 | $1,796/mo | 66% |
| Bell County, TX | 28 mi | $68,865 | $1,224/mo | 57% |
| Travis County, TX | 29 mi | $99,611 | $1,744/mo | 52% |
| Burnet County, TX | 37 mi | $78,732 | $1,319/mo | 76% |
| Milam County, TX | 38 mi | $66,141 | $984/mo | 77% |
| Bastrop County, TX | 42 mi | $86,226 | $1,410/mo | 76% |
| Lee County, TX | 44 mi | $76,371 | $1,067/mo | 78% |
Room for a loan payment in Williamson County
Williamson County at the medians, through a lender's eyes (what DTI means):
- $9,278 a month: gross income for a household at the Williamson County median
- Housing at the median rent of $1,796 uses 19%
- $1,544: what a 36% ratio leaves once rent is paid
- $2,194: what a 43% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Williamson County
Degree holders: 48% of adults over 25. The uninsured rate is 9.8%, against 17.1% for Texas.
| Measure | Williamson County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 37.3 | 35.6 | 41.5 |
| Bachelor's or higher | 48.4% | 33.8% | 22.2% |
| No high school diploma | 5.9% | 14.0% | n/a |
| No health insurance | 9.8% | 17.1% | 7.8% |
| No vehicle | 3.0% | 5.4% | 5.4% |
| Work from home | 25.4% | 14.4% | 8.7% |
| Poverty rate | 6.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.9% | 5.3% | 4.4% |
| Minutes to work | Williamson County workers |
|---|---|
| Under 15 min | 21.1% |
| 15 to 29 min | 35.1% |
| 30 to 44 min | 24.9% |
| 45 to 59 min | 11.3% |
| 60+ min | 7.6% |
What the numbers mean for Williamson County borrowers
The county's numbers point to a few situations that come up often for Williamson County borrowers.
- Vehicle repairs. 19% of Williamson County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Higher earners. 56% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Rent squeeze. 48% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
A Williamson County borrower's checklist
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Williamson County.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Pick the shortest term whose payment still fits.
Texas rules that apply in Williamson County
The Texas Department of Banking is the place to verify any lender's Texas license. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Texas guide.
More guides for Williamson County
City guides inside Williamson County, and the statewide guide:
Frequently asked questions
What is the median household income in Williamson County?
$111,340 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 6th of 254 in the state.
Is Williamson County expensive for renters?
Median rent is $1,796 against $1,403 statewide, and 48% of renter households are cost-burdened.
Which towns does the Williamson County guide cover?
Every community in the county, unincorporated areas included. The largest of its 19 Census places: Round Rock, Georgetown, Cedar Park, Leander, Pflugerville.
Is the fit check different in Williamson County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who do I complain to about a lender in Williamson County?
Start with the Texas Department of Banking, then the CFPB complaint portal. Keep copies of every message.