Personal loans in Emhouse, TX
Two households in Emhouse with comparable incomes can still be offered different rates; the city's 205 residents are not the reason. State law, not city hall, decides what a lender may do to Emhouse's roughly 205 residents, and a state regulator supervises it. Emhouse is home to roughly 205 people and stands 1,152nd by size out of 1,224 Census places in Texas. Pull your credit reports and line up at least three offers before you apply from Emhouse. From the 2020 Census base to the 2023 estimate, the population rose by about 10.8%. The next larger city is Barry, TX about 6 miles away.
What the Census records for Emhouse
Emhouse is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 205 people live here, which puts Emhouse 1,152nd of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Roughly 10.8% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 20 residents.
- Size percentile: bigger than about 6% of the places in Texas, with 205 residents in Emhouse.
- Density: the Census land area of 0.3 sq mi holds about 768 people per square mile.
- Land area rank: Emhouse's 0.3 square miles rank 1,207th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Emhouse.
- National rank: Emhouse sits 16,401st by population among the 19,457 places in this dataset.
- Growth rank: Emhouse ranks 205th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Emhouse moved 10.8%.
- Density in Texas: Emhouse ranks 664th by people per square mile.
- Density in context: Emhouse's 768 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 32.1613, -96.5770.
- Nearest larger cities: Barry (6 mi); Rice (7 mi); Alma (8 mi); Corsicana (8 mi); Blooming Grove (9 mi). Online lenders reach Emhouse no matter how far the nearest branch is.
- Smaller places close by: Powell (15 mi); Mertens (20 mi); Goodlow (21 mi).
- Smaller neighbours: 9 places smaller than Emhouse sit within 50 miles.
- Within 100 miles: 372 places are larger than Emhouse.
Emhouse on the map
Emhouse's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 768 people per square mile. The state's population centre of gravity, Houston, is roughly 179 miles away. Emhouse has 111 larger places within a 50-mile radius. The 100-mile radius contains 372 larger places.
Emhouse's place among Texas's 1,224 places
Emhouse is the 1,152nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Emhouse stands 205th among Texas's 1,224 places — roughly the 83th percentile. By density, at about 768 people per square mile, it ranks 664th in Texas. Within 50 miles sit 9 smaller Census places, alongside the 111 that are larger.
A pre-application checklist for Emhouse
For Emhouse's roughly 205 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Verify the lender's Texas licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Texas; what changes is your credit file, not the fact that Emhouse holds 205 people.
Texas rules behind a Emhouse personal loan
For the roughly 205 residents of Emhouse, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | 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 |
Borrowing reach in Emhouse
Emhouse is moderately settled, with about 768 people per square mile and 111 larger places within 50 miles. Whether Emhouse has a local branch or not, a Texas-licensed lender can serve its 205 people online on the same terms. The nearest bigger place is Barry, TX about 6 miles away.
Common questions
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Nearby places
- Barry, TX — population 237
- Rice, TX — population 1,227
- Alma, TX — population 406
- Corsicana, TX — population 25,671
- Oak Valley, TX — population 418
- Retreat, TX — population 431
- Blooming Grove, TX — population 870
- Bardwell, TX — population 664