McCulloch County, Texas
Income Data
At a Glance
How McCulloch County Compares
Detailed Income Statistics
Data Story
About Household Income in McCulloch County, Texas
McCulloch County below national income average
At $51,919, McCulloch County's median household income trails the national median of $74,755 by 30%, placing it among lower-income U.S. counties. This reflects rural Texas economic patterns of limited diversification and stagnant wage growth.
Significantly below Texas average
McCulloch County earns $51,919 versus the state average of $64,737, a 20% shortfall positioning it in the lower half of Texas counties. The per capita income of $30,468 trails state average, indicating constrained earning potential across occupations.
Lower-income tier of region
McCulloch County ($51,919) ranks seventh among eight counties, above only Maverick ($51,270) and Marion ($47,447). The county's $5,500 gap versus Lynn County ($57,411) underscores struggling rural Central Texas economy.
Housing costs manageable but tight
McCulloch County's 19.4% rent-to-income ratio sits near the upper affordability threshold, with housing costs consuming nearly one-fifth of median earnings. The median home value of $104,400 is relatively affordable, but leaves limited room in household budgets for other priorities.
Build wealth through modest discipline
McCulloch County residents should establish automatic transfers of even $30-50 monthly into dedicated savings accounts to build financial discipline. Exploring employer 401(k) matches and IRA options provides tax advantages that amplify modest contributions over time.
Frequently Asked Questions
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Income Comparison Calculator
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Your income is above the McCulloch County median
County median: $51,919 per year
vs. County Median
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vs. State Average
-20%
vs. National Median
-31%
Income Adequacy
Your monthly income ($4,327) vs. median rent ($838/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.