1st Advantage MortgageMedian rent in Yoakum County is $973 a month against a median household income of $84,925, about 14% of income (ACS 2020-24). County medians do not set your terms. Shop at least three lenders, including a credit union serving Yoakum County, and confirm each one's Texas license.
On this page
- First look: Yoakum County, TX
- Employment and commuting in Yoakum County
- Yoakum County's most unusual numbers
- How much Yoakum County households make
- The Yoakum County housing market in figures
- Yoakum County, Terry County and other neighbors
- Denver City and the rest of Yoakum County
- More Yoakum County figures
- A Yoakum County household budget, worked through
- Local borrowing considerations for Yoakum County
- A Yoakum County borrower's checklist
- Texas rules that apply in Yoakum County
- Keep exploring
- Frequently asked questions
First look: Yoakum County, TX
The latest five-year Census estimate puts Yoakum County's population at 7,571; only 178 of Texas's 254 county-level areas are larger. Land area is 800 square miles (2024 Gazetteer), so density runs near 9 per square mile. Under the July 2023 OMB definitions, Yoakum County is not part of any metropolitan area. Denver City (4,368 people) heads the county's list of 2 Census places, 2 incorporated and 0 census-designated. Small populations mean wide margins of error, so read every Yoakum County figure on this page as a rough guide.
Employment and commuting in Yoakum County
Top Yoakum County industry by residents employed: agriculture, forestry and mining, 29%; second, education and health care, 16%. Compared with Texas, the county leans toward agriculture, forestry and mining (29% against 2%). The survey's unemployment rate for Yoakum County averages 6.9% over 2020 to 2024 (state: 5.3%). Commutes of 45 minutes-plus: 26%; under 15 minutes: 43%.
| Industry (employed residents 16+) | Yoakum County | Gap to Texas |
|---|---|---|
| Agriculture, forestry and mining | 28.8% | +26.5 pts |
| Education and health care | 16.4% | -5.2 pts |
| Retail trade | 14.2% | +3.2 pts |
| Construction | 10.0% | +1.5 pts |
| Public administration | 8.9% | +4.8 pts |
| Professional and administrative services | 5.9% | -7.0 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Yoakum County's most unusual numbers
- Yoakum County ranks 10th lowest of 249 Texas counties for the share of renters paying 30% or more of income for rent: 15%, against 52% statewide. Rents are manageable for most, which can leave space for savings.
- Few Texas counties match Yoakum County on the share of workers who work from home: 2.9% here, 14.4% for the state, ranking 23rd lowest of 253. Most workers travel to a job here, so commuting costs are part of the budget.
- Median age: 32.3 in Yoakum County. Only 23 of 254 Texas counties are lower. Younger borrowers often have thin credit files; a co-signer or credit union may help.
- Yoakum County ranks 29th highest of 254 Texas counties for median household income: $84,925, against $78,476 statewide. A high county median can hide a wide spread, so budget from your own pay.
How much Yoakum County households make
$84,925 is the median household income for Yoakum County, set against $78,476 for Texas. Only 28 Texas counties post a higher median.
| Households earning | Yoakum County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 20.4% | -1.0 pts |
| $35,000 to $99,999 | 40.7% | +1.3 pts |
| $100,000 to $199,999 | 30.6% | +3.8 pts |
| $200,000 or more | 8.3% | -4.1 pts |
Some 20% of households here live on less than $35,000 a year; 39% have six-figure incomes. Census counts 16.8% of Yoakum County residents in poverty, against 13.8% across Texas. A household earning below the $84,925 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
The Yoakum County housing market in figures
$973 a month is the median gross rent in Yoakum County, 31% below the state. 15% of renting households spend 30% or more of income on rent, and 4% spend half or more. Home values center on $182,600, or 2.2 years of median income. 67% of Yoakum County households own their home and 33% rent.
| Yoakum County | Texas | Difference | |
|---|---|---|---|
| Rent-burdened renters | 15% | 52% | -36.4 pts |
| Burdened owners | 5% | 29% | -24.3 pts |
| Mobile homes | 14.9% | 6.4% | +8.5 pts |
| Vacant units | 14% | 9% | +4.4 pts |
| Owners | 67% | 63% | +4.2 pts |
| Median home value | $182,600 | $283,800 | 36% lower |
| Median gross rent | $973/mo | $1,403/mo | 31% lower |
Yoakum County, Terry County and other neighbors
Distances run center to center, from Terry County at 29 miles out to Lynn County at 59. Gaines County leads the group on income ($74,132), Terry County trails ($44,100), and Yoakum County out-earns 6 of the six. Some neighbors are in New Mexico. Lender licensing is state by state, so a loan for a Yoakum County resident follows Texas rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Yoakum County | - | $84,925 | $973/mo | 67% |
| Terry County, TX | 29 mi | $44,100 | $817/mo | 67% |
| Cochran County, TX | 31 mi | $45,313 | $697/mo | 65% |
| Gaines County, TX | 31 mi | $74,132 | $789/mo | 75% |
| Hockley County, TX | 42 mi | $63,140 | $850/mo | 72% |
| Lea County, NM | 42 mi | $68,015 | $1,101/mo | 71% |
| Lynn County, TX | 59 mi | $73,679 | $927/mo | 77% |
Denver City and the rest of Yoakum County
2 Census places fall mainly inside Yoakum County; the 2 biggest are below. They account for 5,603 residents, leaving about 26% of the county in unincorporated, unnamed areas. Denver City and every other Yoakum County community use this county guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Denver City | town | 4,368 | $85,250 | $1,030 | 13 mi |
| Plains | town | 1,235 | $76,985 | $864 | 2 mi |
More Yoakum County figures
20% of Yoakum County adults 25 and older hold a bachelor's degree or more. Uninsured, Yoakum County: 22.5%; Texas: 17.1%.
| People and households | Yoakum County | Compared with Texas | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 20.1% | -13.7 pts | -2.1 pts |
| Work from home | 2.9% | -11.5 pts | -5.8 pts |
| No high school diploma | 25.1% | +11.1 pts | n/a |
| No health insurance | 22.5% | +5.4 pts | +14.7 pts |
| Median age | 32.3 | -3.3 yrs | -9.2 yrs |
| Poverty rate | 16.8% | +3.0 pts | +3.6 pts |
| No vehicle | 3.7% | -1.7 pts | -1.7 pts |
| Unemployment (ACS) | 6.9% | +1.6 pts | +2.4 pts |
| Minutes to work | Yoakum County workers |
|---|---|
| Under 15 min | 43.0% |
| 15 to 29 min | 21.7% |
| 30 to 44 min | 9.3% |
| 45 to 59 min | 11.6% |
| 60+ min | 14.3% |
A Yoakum County household budget, worked through
How much room does a median Yoakum County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $84,925 a year is $7,077 of gross monthly income
- Median rent: $973, or 14 cents of every gross dollar
- With a 35% ceiling, about $1,504 remains for car, card, student and any new loan payments
- 45% debt-to-income limit: $2,212 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Yoakum County's.
Local borrowing considerations for Yoakum County
Based on the Yoakum County data above, these borrowing questions are most likely to matter locally.
- Care without coverage. About 1,706 Yoakum County residents lack insurance; check charity care before a loan (how).
- Car trouble. For Yoakum County drivers (26% with 45-minute-plus trips), price the repair against the car's value first.
- Mobile homes in Yoakum County. At 15% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
A Yoakum County borrower's checklist
Before you apply, wherever you live in Yoakum County:
- Price the Yoakum County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Texas license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Texas rules that apply in Yoakum County
Before sharing details with a lender, a Yoakum County resident can confirm its license with the Texas Department of Banking. For consumer-credit complaints, Texas residents can also contact the Office of Consumer Credit Commissioner. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender.
Keep exploring
Statewide:
Frequently asked questions
What is the median household income in Yoakum County?
$84,925 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 29th of 254 in the state.
What is the median rent in Yoakum County, TX?
$973 a month, utilities included, or $11,676 a year.
Does this page cover Denver City?
Yes, along with the other 1 Census place in Yoakum County, such as Plains.
Will a Yoakum County address affect my match?
Beyond confirming Texas as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Yoakum 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.