1st Advantage MortgageThe median Andrew County household earns $75,625, and 6% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Andrew County by the numbers
- Rent, home values and ownership in Andrew County
- How much Andrew County households make
- Employment and commuting in Andrew County
- The counties around Andrew County
- Cities, towns and CDPs in Andrew County
- People and households in Andrew County
- What the numbers mean for Andrew County borrowers
- Debt-to-income at Andrew County's medians
- Checklist for Andrew County applicants
- Checking a lender's license in Missouri
- More guides for Andrew County
- Frequently asked questions
Andrew County by the numbers
Andrew County is home to about 18,065 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 60th most populous of 115 county-level areas in Missouri. Spread over 433 square miles, that works out to roughly 41.8 residents per square mile. For statistical purposes it belongs to the St. Joseph, MO-KS metro area, as delineated by the Office of Management and Budget in July 2023. Of the 8 Census places inside Andrew County, Savannah leads by population with about 5,053; 8 of the 8 are incorporated.
Rent, home values and ownership in Andrew County
Median gross rent, utilities included, comes to $961 in Andrew County versus $1,033 statewide. By the Census definition, 39% of Andrew County renters are cost-burdened. Home values center on $215,400, or 2.8 years of median income. Owners occupy 77% of homes.
| Cost | Andrew County | Missouri figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $961/mo | $1,033/mo | $877/mo |
| Median home value | $215,400 | $230,300 | $185,300 |
| Owners | 77% | 68% | 75% |
| Rent-burdened renters | 39% | 46% | 45% |
| Burdened owners | 17% | 22% | n/a |
| Mobile homes | 6.7% | 5.2% | n/a |
In an owner-heavy county like Andrew County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How much Andrew County households make
At $75,625, the typical Andrew County household income is 15% above the median U.S. county ($65,681).
| Households earning | Andrew County | +/- vs Missouri |
|---|---|---|
| Under $35,000 | 19.6% | -4.0 pts |
| $35,000 to $99,999 | 44.5% | +2.0 pts |
| $100,000 to $199,999 | 29.4% | +4.1 pts |
| $200,000 or more | 6.6% | -2.1 pts |
About 20% of households earn under $35,000, while 36% clear $100,000. Census counts 6.2% of Andrew County residents in poverty, against 12.6% across Missouri. The Gini index of income inequality is 0.400 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Andrew County median.
Employment and commuting in Andrew County
The biggest employer of Andrew County residents, by industry, is education and health care at 25% of workers, followed by manufacturing (18%). Manufacturing stands out: 18% of workers here, versus 11% statewide. Averaged over the five survey years, 3.6% of the labor force was out of work and looking. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work.
| Where residents work | Andrew County | Difference from Missouri |
|---|---|---|
| Education and health care | 24.5% | +0.2 pts |
| Manufacturing | 18.3% | +7.0 pts |
| Retail trade | 10.1% | -1.3 pts |
| Construction | 8.9% | +2.0 pts |
| Public administration | 6.6% | +2.3 pts |
| Transportation, warehousing and utilities | 6.5% | +0.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
The counties around Andrew County
Distances run center to center, from DeKalb County at 22 miles out to Nodaway County at 26. None of the six report a higher median household income than Andrew County; Doniphan County is highest at $74,028 and Gentry County lowest at $55,848. The list crosses into Kansas, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Andrew County | - | $75,625 | $961/mo | 77% |
| DeKalb County, MO | 22 mi | $69,826 | $817/mo | 71% |
| Buchanan County, MO | 23 mi | $62,158 | $902/mo | 66% |
| Doniphan County, KS | 23 mi | $74,028 | $776/mo | 81% |
| Holt County, MO | 23 mi | $61,187 | $650/mo | 77% |
| Gentry County, MO | 26 mi | $55,848 | $636/mo | 74% |
| Nodaway County, MO | 26 mi | $59,315 | $786/mo | 62% |
Cities, towns and CDPs in Andrew County
The table lists the 8 largest of 8 Census places in Andrew County, by population. Together all 8 hold about 9,069 people, so roughly 50% of residents live outside any named place. Live in one of these Andrew County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Savannah | city | 5,053 | $62,535 | $852 | 4 mi |
| Country Club | village | 2,935 | $81,042 | $1,129 | 10 mi |
| Fillmore | city | 299 | n/a | $783 | 9 mi |
| Amazonia | village | 286 | $79,500 | n/a | 8 mi |
| Bolckow | city | 197 | $48,750 | $550 | 9 mi |
| Cosby | village | 130 | $57,917 | $778 | 11 mi |
| Rosendale | city | 130 | $79,375 | n/a | 4 mi |
| Rea | city | 39 | $95,179 | n/a | 5 mi |
People and households in Andrew County
29% of Andrew County adults 25 and older hold a bachelor's degree or more. 5.7% of residents have no health coverage.
| Measure | Andrew County | Missouri statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 42.5 | 39.0 | 41.5 |
| Bachelor's or higher | 28.8% | 32.4% | 22.2% |
| No high school diploma | 4.6% | 8.1% | n/a |
| No health insurance | 5.7% | 8.8% | 7.8% |
| No vehicle | 2.2% | 6.6% | 5.4% |
| Work from home | 7.0% | 13.0% | 8.7% |
| Poverty rate | 6.2% | 12.6% | 13.2% |
| Unemployment (ACS) | 3.6% | 4.0% | 4.4% |
| One-way commute | Share of Andrew County workers |
|---|---|
| Under 15 min | 26.4% |
| 15 to 29 min | 49.6% |
| 30 to 44 min | 16.4% |
| 45 to 59 min | 2.4% |
| 60+ min | 5.2% |
What the numbers mean for Andrew County borrowers
A few patterns in the Andrew County data, and the practical point behind each:
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Debt-to-income at Andrew County's medians
How much room does a median Andrew County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $6,302 a month: gross income for a household at the Andrew County median
- Median rent: $961, or 15 cents of every gross dollar
- $1,245: what a 35% ratio leaves once rent is paid
- $1,875: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Checklist for Andrew County applicants
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Andrew County.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Missouri license check takes minutes; do it first.
- Ask a Andrew County credit union about member loans.
Checking a lender's license in Missouri
Consumer lenders serving Andrew County are licensed by the state, not the county; in Missouri that is the Missouri Division of Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Missouri guide.
More guides for Andrew County
For statewide rules and data, see the Missouri guide.
Frequently asked questions
Is Andrew County a high-income county?
Its $75,625 median ranks 12th of 115 Missouri counties and compares with $65,681 for the median U.S. county.
How much is rent in Andrew County?
Median gross rent, utilities included, is $961 a month; 39% of renters spend 30% or more of income on it.
I own my home in Andrew County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 77% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Andrew County guide cover?
Every community in the county, unincorporated areas included. The largest of its 8 Census places: Savannah, Country Club, Fillmore, Amazonia, Bolckow.
Will a Andrew County address affect my match?
Beyond confirming Missouri as your state, no. Your answers about amount, credit, income and payments are all that count.