Personal loans in Balmorhea, TX
The roughly 384 people who live in Balmorhea borrow under Texas rules; city hall sets no personal-loan rate. Balmorhea is one of 1,224 Census places in Texas; its 384 residents put it at 1,041st.
From the 2020 Census base to the 2023 estimate, the population declined by about 4.7%. Verify the lender's Texas licence against the regulator named below before borrowing in Balmorhea. A larger market lies at Town of Pecos, TX about 31 miles away. Consumer lending that reaches Balmorhea's 384 residents is governed by Texas statute; no city ordinance changes it.
Borrowing in Balmorhea: the local picture
Two layers matter for a Balmorhea borrower: the local population picture and Texas's consumer-lending statutes.
- Population: about 384 people live here, which puts Balmorhea 1,041st of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Roughly 4.7% fewer residents than the 2020 Census counted.
- Absolute change: 19 residents lost between 2020 and 2023.
- Size percentile: roughly 15% of Texas's places have fewer residents than Balmorhea's 384.
- Density: roughly 749 residents per square mile, spread over 0.5 sq mi of land.
- Land area rank: Balmorhea's 0.5 square miles rank 1,144th of 1,224 places in Texas.
- State population share: Balmorhea accounts for about 0.0% of everyone in Texas.
- National standing: Balmorhea ranks 14,246th of 19,457 US places.
- Growth rank: Balmorhea's 2020-to-2023 change ranks 1,190th of 1,224 places in Texas.
- Against the state trend: Balmorhea's 4.7% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Balmorhea is the 679th most densely settled place in Texas.
- Against the state median: Balmorhea runs about 749 residents per square mile, where the Texas median is 840.
- Location: 30.9824, -103.7450 (US Census Bureau Gazetteer).
- Nearest larger cities: Town of Pecos (31 mi); Alpine (43 mi); Marfa (49 mi); Fort Stockton (51 mi); Wickett (59 mi). Lenders licensed in the state serve Balmorhea whether or not they keep a local branch.
- Nearest smaller places: Toyah (23 mi); Barstow (39 mi); Valentine (52 mi).
- Smaller neighbours: 2 places smaller than Balmorhea sit within 50 miles.
- At 100 miles: 14 larger Census places fall inside that radius.
How a Balmorhea personal loan is priced
Balmorhea is a small community of about 384 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Balmorhea can be quoted different APRs on the same amount and term. The term you choose in Balmorhea decides the split between a comfortable payment and the total interest you pay.
Lender access in Balmorhea
Balmorhea is moderately settled, with about 749 people per square mile and 3 larger places within 50 miles. A Texas licence lets a lender serve Balmorhea without a local office, so branch density does not change what its 384 residents are offered. For a larger market, the closest option is Town of Pecos, TX about 31 miles away.
Texas rules behind a Balmorhea personal loan
When Texas does not publish a figure, the row links to the source instead of inventing a number; Balmorhea is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
Where Balmorhea sits in Texas
Among Texas's 1,224 places, Balmorhea sits at 1,041st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Balmorhea ranks 1,190th of 1,224 in Texas (about the 3th percentile). At about 749 people per square mile, Balmorhea is the 679th most densely settled place in Texas. By land area, its 0.5 square miles rank 1,144th of 1,224 places in Texas.
Land, water and location for Balmorhea
Balmorhea's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 749 residents per square mile. The state's population centre of gravity, Houston, is roughly 505 miles away. A 50-mile radius around Balmorhea takes in 3 places that are larger. The 100-mile radius contains 14 larger places.
Common questions
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Nearby places
- Toyah, TX — population 58
- Town of Pecos, TX — population 9,965
- Barstow, TX — population 252
- Alpine, TX — population 6,039
- Marfa, TX — population 1,674
- Pyote, TX — population 67
- Valentine, TX — population 67
- Fort Stockton, TX — population 8,113