1st Advantage MortgageClark County households have a median income of $63,043 and median rent of $789 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Kansas before sharing details.
On this page
- Getting oriented in Clark County
- Clark County housing compared with Kansas
- What Clark County households earn
- How Clark County residents earn a living
- Clark County towns compared
- How Clark County compares with nearby counties
- Room for a loan payment in Clark County
- Local borrowing considerations for Clark County
- Clark County residents: age, schooling, coverage
- A Clark County borrower's checklist
- Who licenses lenders for Clark County residents
- More guides for Clark County
- Frequently asked questions
Getting oriented in Clark County
Roughly 1,974 residents live in Clark County, Kansas, 100th by population among the state's 105 counties and county equivalents. It covers 975 square miles of land, or about 2 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 3 places in the county (3 incorporated, 0 census-designated); the largest is Minneola, with about 835 residents, or 42% of the county. Small populations mean wide margins of error, so read every Clark County figure on this page as a rough guide.
Clark County housing compared with Kansas
Renters in Clark County pay a median of $789 a month, 26% below the Kansas figure of $1,060. By the Census definition, 30% of Clark County renters are cost-burdened. Home values center on $87,600, or 1.4 years of median income. The ownership rate is 74%.
| Housing | Clark County | Kansas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $789/mo | $1,060/mo | $877/mo |
| Median home value | $87,600 | $217,200 | $185,300 |
| Owners | 74% | 67% | 75% |
| Rent-burdened renters | 30% | 43% | 45% |
| Burdened owners | 10% | 22% | n/a |
Because most Clark 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.
What Clark County households earn
Half of Clark County households take in less than $63,043 a year and half take in more, 15% below the Kansas median of $74,275.
| Band | Clark County | Compared with Kansas |
|---|---|---|
| Under $35,000 | 24.0% | +2.3 pts |
| $35,000 to $99,999 | 47.8% | +5.6 pts |
| $100,000 to $199,999 | 22.5% | -4.0 pts |
| $200,000 or more | 5.7% | -3.9 pts |
Some 24% of households here live on less than $35,000 a year; 28% have six-figure incomes. Census counts 9.9% of Clark County residents in poverty, against 11.3% across Kansas. Income inequality, measured by the Gini index, comes to 0.422 here. For a borrower in Clark County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
How Clark County residents earn a living
By the Census industry count, 26% of employed Clark County residents work in education and health care and 18% in retail trade. Agriculture, forestry and mining stands out: 13% of workers here, versus 3% statewide. ACS puts five-year average unemployment at 2.8% in Clark County. 10% of commuters travel 45 minutes or more each way, and 6% work from home. Only 2.9% of homes here go without a vehicle.
| Industry (employed residents 16+) | Clark County | Gap to Kansas |
|---|---|---|
| Education and health care | 26.0% | +1.0 pts |
| Retail trade | 18.4% | +7.8 pts |
| Agriculture, forestry and mining | 13.2% | +10.1 pts |
| Transportation, warehousing and utilities | 6.9% | +1.3 pts |
| Construction | 6.2% | -0.2 pts |
| Professional and administrative services | 5.9% | -4.1 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Clark County towns compared
The table lists the 3 largest of 3 Census places in Clark County, by population. Together all 3 hold about 1,624 people, so roughly 18% of residents live outside any named place. This guide covers each of the 3 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Minneola | city | 835 | $64,583 | $900 | 18 mi |
| Ashland | city | 738 | $62,596 | $761 | 4 mi |
| Englewood | city | 51 | n/a | n/a | 16 mi |
How Clark County compares with nearby counties
Six nearby counties, 30 to 50 miles away by the straight-line distance between their centers. Gray County leads the group on income ($79,122), Comanche County trails ($54,545), and Clark County out-earns 1 of the six. Some neighbors are in Oklahoma. Lender licensing is state by state, so a loan for a Clark County resident follows Kansas rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Clark County | - | $63,043 | $789/mo | 74% |
| Meade County, KS | 30 mi | $71,852 | $790/mo | 74% |
| Harper County, OK | 31 mi | $64,053 | $828/mo | 84% |
| Comanche County, KS | 31 mi | $54,545 | $692/mo | 73% |
| Ford County, KS | 32 mi | $70,781 | $1,010/mo | 62% |
| Kiowa County, KS | 37 mi | $75,539 | $762/mo | 73% |
| Gray County, KS | 50 mi | $79,122 | $808/mo | 77% |
Room for a loan payment in Clark County
Here is the Clark County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,254 gross per month ($63,043 / 12)
- Less median rent of $789, which is 15% of it
- Under a 36% cap, $1,891 total minus rent leaves $1,102
- With a 43% ceiling, about $1,470 remains for car, card, student and any new loan payments
If your rent is above $789, the room shrinks dollar for dollar.
Local borrowing considerations for Clark County
Where the Clark County numbers stand out, and why it matters for a loan:
- Advance-fee offers. No legitimate lender asks a Clark County borrower to pay first (scam signs).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Clark County residents: age, schooling, coverage
College graduates make up 31% of the adult population. The uninsured rate is 6.8%, against 8.8% for Kansas.
| People and households | Clark County | Kansas | Median county |
|---|---|---|---|
| Median age | 43.7 | 37.4 | 41.5 |
| Bachelor's or higher | 31.1% | 35.6% | 22.2% |
| No high school diploma | 8.1% | 8.0% | n/a |
| No health insurance | 6.8% | 8.8% | 7.8% |
| No vehicle | 2.9% | 5.1% | 5.4% |
| Work from home | 6.3% | 11.8% | 8.7% |
| Poverty rate | 9.9% | 11.3% | 13.2% |
| Unemployment (ACS) | 2.8% | 3.9% | 4.4% |
A Clark County borrower's checklist
A short checklist for Clark County borrowers:
- Get a written quote for whatever you are paying for in Clark County.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Kansas license before giving out your Social Security number.
- Ask a Clark County credit union about member loans.
Who licenses lenders for Clark County residents
Clark County borrowers fall under statewide rules, enforced by the Kansas Office of the State Bank Commissioner. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Kansas guide.
More guides for Clark County
For statewide rules and data, see the Kansas guide.
Frequently asked questions
What is the median household income in Clark County?
$63,043 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 61st of 105 in the state.
How does Clark County rent compare with Kansas?
$789 locally versus $1,060 for the state, 26% below.
I own my home in Clark County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 74% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Clark County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Minneola, Ashland, Englewood.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Clark County or elsewhere in Kansas, the same rules apply.