1st Advantage MortgageIn Arthur County, Nebraska, the typical household earns $76,250 a year and the typical rent is $750. Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Arthur County applicant for an upfront fee.
On this page
- Population and place: Arthur County
- Work, industries and travel time in Arthur County
- Renting and owning in Arthur County
- Where Arthur County differs from the rest of Nebraska
- Arthur County income bands
- Arthur County towns compared
- Arthur County next to its neighbors
- People and households in Arthur County
- Borrowing situations common in Arthur County
- A Arthur County household budget, worked through
- Checklist for Arthur County applicants
- Who licenses lenders for Arthur County residents
- Keep exploring
- Frequently asked questions
Population and place: Arthur County
Roughly 484 residents live in Arthur County, Nebraska, 91st by population among the state's 93 counties and county equivalents. Land area is 715 square miles (2024 Gazetteer), so density runs near 1 per square mile. No metropolitan area includes Arthur County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Arthur, with about 66 people, is the only Census place mainly inside the county. At 484 people, Arthur County is a small survey sample, so small differences in these figures may be noise.
Work, industries and travel time in Arthur County
The biggest employer of Arthur County residents, by industry, is agriculture, forestry and mining at 49% of workers, followed by education and health care (19%). Arthur County over-indexes on agriculture, forestry and mining: 49% versus 4% in Nebraska. ACS puts five-year average unemployment at 0.4% in Arthur County. 20% of commuters travel 45 minutes or more each way, and 10% work from home. 8 Arthur County households, 4.3%, have no vehicle.
| Where residents work | Arthur County | Difference from Nebraska |
|---|---|---|
| Agriculture, forestry and mining | 48.5% | +44.3 pts |
| Education and health care | 18.8% | -5.6 pts |
| Retail trade | 8.8% | -1.8 pts |
| Public administration | 4.6% | +0.3 pts |
| Other services | 4.6% | 0.0 pts |
| Arts, lodging and food service | 2.9% | -4.4 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Renting and owning in Arthur County
A typical Arthur County rental runs $750 a month including utilities, which is 30% below Nebraska. About 4 in 10 Arthur County renters pay 30% or more of income for rent. The median owner-occupied home is valued at $185,900, about 2.4 times the median household income. The ownership rate is 81%. Half the housing stock was built before 1974.
| Cost | Arthur County | Nebraska figure | Higher or lower |
|---|---|---|---|
| Owners | 81% | 67% | +14.0 pts |
| Mobile homes | 15.1% | 2.9% | +12.2 pts |
| Rent-burdened renters | 38% | 45% | -7.6 pts |
| Burdened owners | 17% | 22% | -5.0 pts |
| Median gross rent | $750/mo | $1,072/mo | 30% lower |
| Median home value | $185,900 | $238,600 | 22% lower |
In an owner-heavy county like Arthur 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.
Where Arthur County differs from the rest of Nebraska
Where Arthur County lands at the extremes of Nebraska's county rankings:
- Population: 484 in Arthur County. Only 2 of 93 Nebraska counties are lower. In a small county, the nearest lender may not be the best; compare online offers too.
- On the share of households earning $100,000 or more, Arthur County sits near the top of Nebraska at 42%, 6th highest of 93. Big incomes invite big loans; borrow only what you need.
- Arthur County ranks 6th highest of 93 Nebraska counties for the share of commutes over 45 minutes: 20%, against 7% statewide. With long commutes, a reliable car is part of keeping the job.
- Arthur County ranks 5th highest of 93 Nebraska counties for the share of adults with a bachelor's degree: 37%, against 35% statewide. Student loan payments count in a debt-to-income ratio, so list them.
Arthur County income bands
$76,250 is the median household income for Arthur County, set against $76,475 for Nebraska. In the state ranking that is 20th of 93.
| Yearly household income | Arthur County | Gap to Nebraska |
|---|---|---|
| Under $35,000 | 24.3% | +3.6 pts |
| $35,000 to $99,999 | 33.5% | -8.4 pts |
| $100,000 to $199,999 | 30.8% | +2.9 pts |
| $200,000 or more | 11.4% | +1.9 pts |
24% under $35,000 and 42% at $100,000 or more: that is the Arthur County income split. Census counts 7.2% of Arthur County residents in poverty, against 10.6% across Nebraska. Income inequality, measured by the Gini index, comes to 0.420 here. None of these numbers decides a Arthur County application. Lenders weigh your own documented income against your own debts.
Arthur County towns compared
Arthur is the only Census place mainly inside Arthur County, with about 66 of the county's 484 residents. Live in one of these Arthur County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Arthur | village | 66 | $29,167 | $763 | 0 mi |
Arthur County next to its neighbors
The six counties whose centers lie closest to Arthur County's, from 24 to 46 miles away. Richest neighbor: Grant County, $70,147. Poorest: Garden County, $41,882. Arthur County: $76,250.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Arthur County | - | $76,250 | $750/mo | 81% |
| Grant County, NE | 24 mi | $70,147 | $867/mo | 71% |
| Keith County, NE | 26 mi | $60,645 | $771/mo | 71% |
| McPherson County, NE | 30 mi | $58,684 | $588/mo | 65% |
| Garden County, NE | 32 mi | $41,882 | $700/mo | 79% |
| Hooker County, NE | 38 mi | $49,464 | $592/mo | 55% |
| Deuel County, NE | 46 mi | $70,096 | $872/mo | 82% |
People and households in Arthur County
37% of Arthur County adults 25 and older hold a bachelor's degree or more. About 7% go without health insurance.
| Arthur County | vs Nebraska | vs U.S. county median | |
|---|---|---|---|
| Median age | 46.0 | +8.8 yrs | +4.5 yrs |
| Bachelor's or higher | 36.6% | +2.1 pts | +14.5 pts |
| No high school diploma | 1.2% | -6.6 pts | n/a |
| No health insurance | 6.8% | -0.3 pts | -1.0 pts |
| No vehicle | 4.3% | -1.1 pts | -1.1 pts |
| Work from home | 10.1% | -1.0 pts | +1.4 pts |
| Poverty rate | 7.2% | -3.4 pts | -5.9 pts |
| Unemployment (ACS) | 0.4% | -2.6 pts | -4.0 pts |
Borrowing situations common in Arthur County
- Commuter costs. 20% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 15% of Arthur County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Retirement budgets. In a county with a 46.0 median age, keep any loan term shorter than your plans for the money.
- Six-figure budgets. For the 42% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
A Arthur County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Arthur County household at the medians it works out like this; treat it as an illustration only.
- Start: $6,354 gross per month ($76,250 / 12)
- Rent at the median, $750, takes 12% of that
- $1,538: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $2,732 total minus rent leaves $1,982
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Arthur County's.
Checklist for Arthur County applicants
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Arthur County-area credit union.
- Confirm the lender is licensed in Nebraska.
- Lock paid-off cards after consolidating so balances stay at zero.
Who licenses lenders for Arthur County residents
The Nebraska Department of Banking and Finance is the place to verify any lender's Nebraska license. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Nebraska state guide for the statewide picture.
Keep exploring
Next step up from Arthur County:
Frequently asked questions
Is $76,250 a good income in Arthur County?
It is the county median, so half of Arthur County households earn more and half less; 42% earn $100,000 or more.
What is the median rent in Arthur County, NE?
$750 a month, utilities included, or $9,000 a year.
Should Arthur County homeowners use home equity instead?
Maybe, but weigh the risk: 81% of Arthur County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Arthur?
Yes, along with the other 0 Census places in Arthur County.
Are Arthur County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.