Personal loans in Houston, DE

Verify the lender's Delaware licence against the regulator named below before borrowing in Houston. Population in Houston climbed about 2.8% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Houston sits on the Delaware side of that line. The next larger city is Harrington, DE about 4 miles away.

Borrowing in Houston: the local picture

Most of what governs a Houston loan is written in Delaware law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 398 residents, 40th of 57 places in Delaware (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 2.8% between 2020 and 2023.
• People gained or lost: about 11 more since the 2020 base.
• Size percentile: bigger than about 30% of the places in Delaware, with 398 residents in Houston.
• Population density: about 1,039 people per square mile (Census land area 0.4 sq mi).
• Land area rank: Houston's 0.4 square miles rank 41st of 57 places in Delaware.
• State population share: Houston accounts for about 0.1% of everyone in Delaware.
• National rank: Houston sits 14,122nd by population among the 19,457 places in this dataset.
• Growth in Delaware: Houston stands 42nd by percentage change from 2020 to 2023, among 57 places.
• Versus Delaware: the state average change is +6.8%, while Houston moved 2.8%.
• Density in Delaware: Houston ranks 39th by people per square mile.
• Density vs Delaware: Houston's 1,039 people per square mile compare with a state median of 1,284.
• Location: 38.9173, -75.5039 (Census Gazetteer coordinates).
• Nearest larger cities: Harrington (4 mi); Milford (4 mi); Frederica (7 mi); Felton (8 mi); Ellendale (9 mi). Lenders licensed in the state serve Houston whether or not they keep a local branch.
• Nearest smaller towns: Farmington (5 mi); Viola (9 mi); Slaughter Beach (10 mi) — useful context for the surrounding area.
• Smaller neighbours: 30 places smaller than Houston sit within 50 miles.
• Within 100 miles: 379 places are larger than Houston.

What is available to Houston borrowers

With about 1,039 residents per square mile, Houston is moderately settled, and 81 larger Census places sit within 50 miles. A Delaware licence lets a lender serve Houston without a local office, so branch density does not change what its 398 residents are offered. For a larger market, the closest option is Harrington, DE about 4 miles away.

Where Houston sits in Delaware

Among Delaware's 57 places, Houston sits at 40th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Houston ranks 42nd of 57 in Delaware (about the 26th percentile). By density, at about 1,039 people per square mile, it ranks 39th in Delaware. Between 2020 and 2023 the count changed by roughly 11 residents.

The Delaware lending rules that reach Houston

This table holds the Delaware rate and licensing rules for consumer loans made to Houston's 398 residents.

Land, water and location for Houston

The Census Gazetteer records about 0.4 square miles of land within Houston, with no significant water area listed. With 398 residents, the land area yields roughly 1,039 people per square mile. The largest place in Delaware, Wilmington, lies about 57 miles away. Counting outward 50 miles, 81 larger communities surround Houston. By land area it ranks 41st of 57 Delaware places.

Steps to take before a Houston loan

These steps shape the offer you get in Houston, a place of about 398 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Delaware regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Delaware; what changes is your credit file, not the fact that Houston holds 398 people.