Caldwell County, Texas
Income Data
U.S. Census Bureau ACSAt a Glance
Economic Indicators
How Caldwell County Compares
Detailed Income Statistics
Income Advisory: Caldwell County
Income Verdict
Caldwell County has a median household income of $68,503 and per capita income of $30,497 — a gap of $38,006, indicating a strong family-earning economy with multiple earners per household.
Housing Affordability
With median gross rent at $1,145/month and a median household income of $68,503, rent consumes approximately 20.1% of monthly income — well within affordable thresholds.
Economic Context
A median household income of $68,503 suggests moderate-to-strong purchasing power, generally sufficient to cover essentials with room for discretionary spending in most markets. Per capita income of $30,497 is in line with national norms for individual earners.
Neighbor Context
Caldwell County earns approximately 5.8% above the Texas state median household income of $64,737, positioning it favorably within the state.
Data Story
About Household Income in Caldwell County, Texas
Caldwell County near national norms
Caldwell County's median household income of $68,503 falls 8% below the U.S. median of $74,755, reflecting modestly lower earning capacity. While below the national average, the county remains solidly middle-class by American standards.
Middle-tier income in Texas
At $68,503, Caldwell County exceeds the Texas state average of $64,737 by roughly $3,750, ranking in the middle-upper segment of Texas counties. The moderate advantage over state norms reflects a reasonably healthy local economy.
Mixed standing regionally
Caldwell County's $68,503 income trails Burnet ($77,158) and Burleson ($72,888) but exceeds Brown ($55,305) and Camp ($55,061) counties significantly. The county sits in the regional middle, suggesting moderate prosperity compared to both stronger and weaker neighboring economies.
Housing costs elevated
Caldwell County's 20.1% rent-to-income ratio indicates housing expenses consume one-fifth of median income, approaching the affordability threshold. With median home values at $215,600, rising property prices may strain some households, though core affordability remains intact for employed residents.
Focus on debt reduction first
Caldwell County residents should prioritize paying down high-interest debt and building emergency reserves before aggressive investing, given elevated housing costs. Once housing stability is secure, even modest monthly investments in tax-advantaged retirement accounts can generate substantial long-term wealth.
Frequently Asked Questions
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Income Comparison Calculator
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Your income is above the Caldwell County median
County median: $68,503 per year
vs. County Median
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vs. State Average
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vs. National Median
-8%
Income Adequacy
Your monthly income ($5,709) vs. median rent ($1,145/mo). A ratio of 3.3x or higher means rent is under 30% of income.
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.