1st Advantage MortgageIn Beaver County, Pennsylvania, the typical household earns $71,089 a year and the typical rent is $890. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Beaver County in brief
- What stands out in Beaver County
- The $71,089 median and what sits around it
- Labor force snapshot: Beaver County
- Housing costs in Beaver County
- Beaver County towns compared
- Counties near Beaver County
- Age, degrees and coverage in Beaver County
- $5,924 a month: the Beaver County median budget
- Borrowing situations common in Beaver County
- A Beaver County borrower's checklist
- Checking a lender's license in Pennsylvania
- Nearby and statewide guides
- Frequently asked questions
Beaver County in brief
Beaver County is home to about 166,324 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 21st most populous of 67 county-level areas in Pennsylvania. Land area is 435 square miles (2024 Gazetteer), so density runs near 383 per square mile. The federal metro definitions (OMB, July 2023) place it in the Pittsburgh, PA metropolitan area. Aliquippa (9,079 people) heads the county's list of 32 Census places, 31 incorporated and 1 census-designated.
What stands out in Beaver County
Out of every Pennsylvania county, Beaver County is most unusual on these measures.
- The uninsured rate: 3.9% in Beaver County. Only 9 of 67 Pennsylvania counties are lower. Lower uninsured rates still leave deductibles; check what a plan covers first.
- Few Pennsylvania counties match Beaver County on the share of mobile homes: 3.2% here, 3.5% for the state, ranking 13th lowest of 67. Few mobile homes means most owners have traditional equity options.
The $71,089 median and what sits around it
Median household income in Beaver County: $71,089 (9% below Pennsylvania, $77,971). Only 25 Pennsylvania counties post a higher median.
| Households earning | Beaver County | +/- vs Pennsylvania |
|---|---|---|
| Under $35,000 | 23.1% | +1.1 pts |
| $35,000 to $99,999 | 42.4% | +3.3 pts |
| $100,000 to $199,999 | 26.8% | -0.3 pts |
| $200,000 or more | 7.6% | -4.2 pts |
23% under $35,000 and 34% at $100,000 or more: that is the Beaver County income split. 9.9% of residents fall below the federal poverty line (statewide: 11.7%). Income inequality, measured by the Gini index, comes to 0.432 here. None of these numbers decides a Beaver County application. Lenders weigh your own documented income against your own debts.
Labor force snapshot: Beaver County
The biggest employer of Beaver County residents, by industry, is education and health care at 23% of workers, followed by retail trade (12%). Transportation, warehousing and utilities stands out: 9% of workers here, versus 6% statewide. 5.3% of Beaver County's labor force reported being unemployed, averaged across 2020 to 2024. About 74% drive to work alone and 15% have trips of 45 minutes or more.
| Where residents work | Beaver County | Difference from Pennsylvania |
|---|---|---|
| Education and health care | 23.4% | -3.3 pts |
| Retail trade | 11.9% | +0.9 pts |
| Manufacturing | 11.6% | +0.2 pts |
| Professional and administrative services | 10.4% | -0.9 pts |
| Transportation, warehousing and utilities | 8.8% | +2.7 pts |
| Arts, lodging and food service | 8.1% | +0.6 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.
Housing costs in Beaver County
Half of Beaver County renters pay more than $890 a month and half pay less; the Pennsylvania midpoint is $1,209. 42% of renting households spend 30% or more of income on rent, and 20% spend half or more. Home values center on $190,900, or 2.7 years of median income. The ownership rate is 75%. Against the median U.S. county, Beaver County rent is about level with.
| Housing | Beaver County | Pennsylvania statewide | Beaver County vs state |
|---|---|---|---|
| Median gross rent | $890/mo | $1,209/mo | 26% lower |
| Median home value | $190,900 | $254,500 | 25% lower |
| Owners | 75% | 69% | +5.7 pts |
| Rent-burdened renters | 42% | 48% | -5.9 pts |
| Burdened owners | 21% | 24% | -2.5 pts |
| Mobile homes | 3.2% | 3.5% | -0.3 pts |
| Vacant units | 9% | 9% | -0.2 pts |
Because most Beaver County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Beaver County towns compared
The table lists the 14 largest of 32 Census places in Beaver County, by population. Together all 32 hold about 75,896 people, so roughly 54% of residents live outside any named place. Patterson Heights has the highest median household income on the list ($102,969) and East Rochester the lowest ($42,222), counting places with at least 500 residents. Rent is cheapest in Baden ($646) and steepest in Ohioville ($1,534). Live in one of these Beaver County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Aliquippa | city | 9,079 | $50,188 | $821 | 7 mi |
| Economy | borough | 9,005 | $95,313 | $1,009 | 9 mi |
| Beaver Falls | city | 8,850 | $49,924 | $727 | 5 mi |
| Ambridge | borough | 6,890 | $51,537 | $969 | 9 mi |
| New Brighton | borough | 5,567 | $52,939 | $749 | 4 mi |
| Monaca | borough | 5,519 | $73,538 | $768 | 4 mi |
| Beaver | borough | 4,374 | $81,156 | $874 | 2 mi |
| Baden | borough | 3,843 | $63,400 | $646 | 7 mi |
| Rochester | borough | 3,422 | $43,080 | $801 | 4 mi |
| Ohioville | borough | 3,324 | $80,673 | $1,534 | 7 mi |
| Midland | borough | 2,293 | $60,096 | $720 | 7 mi |
| Conway | borough | 2,195 | $66,029 | $894 | 6 mi |
| Big Beaver | borough | 1,843 | $71,678 | $975 | 10 mi |
| Industry | borough | 1,618 | $75,694 | $1,402 | 4 mi |
Counties near Beaver County
Nearest neighbors first, measured between county centers (16 to 29 miles). Beaver County's $71,089 median trails 2 of the six and beats 4; the range runs $58,180 (Columbiana County) to $89,843 (Butler County). The list crosses into Ohio, West Virginia, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Beaver County | - | $71,089 | $890/mo | 75% |
| Hancock County, WV | 16 mi | $61,466 | $771/mo | 74% |
| Lawrence County, PA | 21 mi | $61,931 | $831/mo | 76% |
| Columbiana County, OH | 23 mi | $58,180 | $756/mo | 73% |
| Allegheny County, PA | 24 mi | $78,548 | $1,153/mo | 65% |
| Butler County, PA | 28 mi | $89,843 | $1,041/mo | 77% |
| Jefferson County, OH | 29 mi | $59,055 | $835/mo | 71% |
Age, degrees and coverage in Beaver County
29% of Beaver County adults 25 and older hold a bachelor's degree or more. About 4% go without health insurance.
| Indicator | Beaver County | +/- Pennsylvania | +/- U.S. county |
|---|---|---|---|
| Bachelor's or higher | 28.7% | -6.4 pts | +6.6 pts |
| Median age | 44.7 | +3.8 yrs | +3.2 yrs |
| No high school diploma | 4.6% | -3.3 pts | n/a |
| No vehicle | 7.5% | -2.9 pts | +2.1 pts |
| Work from home | 13.5% | -2.1 pts | +4.8 pts |
| Poverty rate | 9.9% | -1.8 pts | -3.3 pts |
| No health insurance | 3.9% | -1.7 pts | -4.0 pts |
| Unemployment (ACS) | 5.3% | 0.0 pts | +0.8 pts |
| Commute length | Beaver County |
|---|---|
| Under 15 min | 26.8% |
| 15 to 29 min | 37.9% |
| 30 to 44 min | 20.2% |
| 45 to 59 min | 8.3% |
| 60+ min | 6.7% |
$5,924 a month: the Beaver County median budget
Beaver County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,924 before taxes
- Housing at the median rent of $890 uses 15%
- Under a 43% cap, $2,547 total minus rent leaves $1,657
Two-income households and single earners in Beaver County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Beaver County
Where the Beaver County numbers stand out, and why it matters for a loan:
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
A Beaver County borrower's checklist
Steps that save money for Beaver County residents:
- Price the Beaver County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Checking a lender's license in Pennsylvania
Licensing happens at the state level, so a lender working with Beaver County borrowers answers to the Pennsylvania Department of Banking and Securities. A CFPB complaint gets forwarded to the company for a response. The Pennsylvania page has statewide figures to set beside Beaver County's.
Nearby and statewide guides
The Pennsylvania guide covers the whole state.
Frequently asked questions
Is $71,089 a good income in Beaver County?
It is the county median, so half of Beaver County households earn more and half less; 34% earn $100,000 or more.
How much is rent in Beaver County?
Median gross rent, utilities included, is $890 a month; 42% of renters spend 30% or more of income on it.
How many towns are in Beaver County?
The Census Bureau counts 32 places mainly in the county, led by Aliquippa, Economy, Beaver Falls, Ambridge, New Brighton.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Beaver County or elsewhere in Pennsylvania, the same rules apply.
What agency protects Beaver County borrowers?
The Pennsylvania Department of Banking and Securities at the state level and the CFPB federally.