1st Advantage MortgageAbout 74% of Cass County homes are owner-occupied, and the median household income is $56,403. 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
- A quick profile of Cass County
- What Cass County households earn
- How Cass County residents earn a living
- Rent, home values and ownership in Cass County
- Cities, towns and CDPs in Cass County
- The counties around Cass County
- What a median Cass County budget can carry
- Reading the Cass County data as a borrower
- Cass County residents: age, schooling, coverage
- Lender oversight for Cass County
- A Cass County borrower's checklist
- Related local guides
- Frequently asked questions
A quick profile of Cass County
With an estimated 37,680 residents (ACS 2020 to 2024), Cass County ranks 40th of 92 in Indiana for population. Land area is 412 square miles (2024 Gazetteer), so density runs near 91 per square mile. No metropolitan area includes Cass County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 5 Census places inside Cass County, Logansport leads by population with about 17,790; 5 of the 5 are incorporated.
What Cass County households earn
At $56,403, the typical Cass County household income is 14% below the median U.S. county ($65,681).
| Household income | Cass County | vs Indiana |
|---|---|---|
| Under $35,000 | 27.0% | +4.4 pts |
| $35,000 to $99,999 | 49.0% | +5.7 pts |
| $100,000 to $199,999 | 21.2% | -4.6 pts |
| $200,000 or more | 2.7% | -5.5 pts |
The spread is wide: 24% of Cass County households make $100,000 or more, and 27% make less than $35,000. Census counts 13.2% of Cass County residents in poverty, against 12.3% across Indiana. The Gini index of income inequality is 0.406 (0 is perfect equality). A household earning below the $56,403 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Cass County residents earn a living
Manufacturing employs 27% of working residents, the largest share; education and health care is next with 19%. The sharpest difference from the state is in manufacturing, at 27% locally and 18% for Indiana. ACS puts five-year average unemployment at 4.6% in Cass County. Long commutes are the exception here: 13% of workers spend 45 minutes or longer getting to work. 5.0% of households have no vehicle.
| Industry (employed residents 16+) | Cass County | Gap to Indiana |
|---|---|---|
| Manufacturing | 26.8% | +8.8 pts |
| Education and health care | 18.8% | -4.6 pts |
| Retail trade | 11.4% | +0.6 pts |
| Arts, lodging and food service | 8.1% | +0.3 pts |
| Construction | 6.3% | -0.3 pts |
| Other services | 5.3% | +0.7 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Rent, home values and ownership in Cass County
Renters in Cass County pay a median of $783 a month, 26% below the Indiana figure of $1,062. By the Census definition, 40% of Cass County renters are cost-burdened. The median owner-occupied home is valued at $133,800, about 2.4 times the median household income. 74% of Cass County households own their home and 26% rent.
| Housing | Cass County | Indiana statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $783/mo | $1,062/mo | $877/mo |
| Median home value | $133,800 | $218,200 | $185,300 |
| Owners | 74% | 71% | 75% |
| Rent-burdened renters | 40% | 48% | 45% |
| Burdened owners | 20% | 20% | n/a |
| Vacant units | 8% | 9% | n/a |
Because most Cass 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.
Cities, towns and CDPs in Cass County
5 Census places fall mainly inside Cass County; the 5 biggest are below. They account for 21,101 residents, leaving about 44% of the county in unincorporated, unnamed areas. Galveston has the highest median household income on the list ($56,927) and Walton the lowest ($45,660), counting places with at least 500 residents. Rent is cheapest in Galveston ($633) and steepest in Royal Center ($828). None of the 5 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Logansport | city | 17,790 | $47,291 | $786 | 0 mi |
| Galveston | town | 1,363 | $56,927 | $633 | 15 mi |
| Royal Center | town | 919 | $51,818 | $828 | 11 mi |
| Walton | town | 827 | $45,660 | $633 | 9 mi |
| Onward | town | 202 | $78,125 | n/a | 9 mi |
The counties around Cass County
Carroll County is closest, 16 miles from center to center; the sixth, Pulaski County, is 27 miles off. White County leads the group on income ($67,303), Miami County trails ($61,139), and Cass County out-earns 0 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Cass County | - | $56,403 | $783/mo | 74% |
| Carroll County, IN | 16 mi | $65,645 | $890/mo | 82% |
| Miami County, IN | 16 mi | $61,139 | $838/mo | 76% |
| Fulton County, IN | 21 mi | $61,360 | $839/mo | 80% |
| Howard County, IN | 23 mi | $64,027 | $937/mo | 71% |
| White County, IN | 27 mi | $67,303 | $901/mo | 81% |
| Pulaski County, IN | 27 mi | $62,792 | $772/mo | 75% |
What a median Cass County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Cass County's medians:
- Median income divided by twelve: $4,700 before taxes
- Median rent: $783, or 17 cents of every gross dollar
- 36% debt-to-income limit: $909 left for all other debt payments
- At 43%, room after rent is $1,238 a month
If your rent is above $783, the room shrinks dollar for dollar.
Reading the Cass County data as a borrower
Based on the Cass County data above, these borrowing questions are most likely to matter locally.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Cass County residents: age, schooling, coverage
16% of Cass County adults 25 and older hold a bachelor's degree or more. 6.6% of residents have no health coverage.
| Residents | Cass County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 41.8 | 38.1 | 41.5 |
| Bachelor's or higher | 16.5% | 29.5% | 22.2% |
| No high school diploma | 14.4% | 9.6% | n/a |
| No health insurance | 6.6% | 7.4% | 7.8% |
| No vehicle | 5.0% | 6.2% | 5.4% |
| Work from home | 4.1% | 10.7% | 8.7% |
| Poverty rate | 13.2% | 12.3% | 13.2% |
| Unemployment (ACS) | 4.6% | 4.3% | 4.4% |
| One-way commute | Share of Cass County workers |
|---|---|
| Under 15 min | 43.0% |
| 15 to 29 min | 30.0% |
| 30 to 44 min | 13.6% |
| 45 to 59 min | 5.8% |
| 60+ min | 7.6% |
Lender oversight for Cass County
Cass County borrowers fall under statewide rules, enforced by the Indiana Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. More on Indiana: Indiana personal loans.
A Cass County borrower's checklist
Steps that save money for Cass County residents:
- Size the loan to the bill, not to the most a lender offers.
- Collect three written offers and compare APR and total repaid.
- A Indiana license check takes minutes; do it first.
- Ask a Cass County credit union about member loans.
Related local guides
For statewide rules and data, see the Indiana guide.
Frequently asked questions
Is Cass County a high-income county?
Its $56,403 median ranks 84th of 92 Indiana counties and compares with $65,681 for the median U.S. county.
What do renters pay in Cass County?
$783 a month at the median, about 17% of median household income.
I live in a small Cass County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Logansport, Galveston, Royal Center, Walton, Onward.
Does living in Cass County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Cass County resident as anyone. Lenders decide under fair-lending law.
Is there a Cass County office that licenses lenders?
No, licensing is statewide. In Indiana it is the Indiana Department of Financial Institutions.