1st Advantage MortgageCloud County households have a median income of $58,770 and median rent of $769 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Kansas license first.
On this page
- A quick profile of Cloud County
- The Cloud County job picture
- Paychecks and income spread in Cloud County
- What it costs to live in Cloud County
- How Cloud County compares with nearby counties
- The communities that make up Cloud County
- Room for a loan payment in Cloud County
- Cloud County households compared
- Borrowing situations common in Cloud County
- Checking a lender's license in Kansas
- Steps before you apply in Cloud County
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Cloud County
The latest five-year Census estimate puts Cloud County's population at 8,898; only 43 of Kansas's 105 county-level areas are larger. It covers 715 square miles of land, or about 12 people per square mile. No metropolitan area includes Cloud County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 7 Census places inside Cloud County, Concordia leads by population with about 5,015; 6 of the 7 are incorporated. Small populations mean wide margins of error, so read every Cloud County figure on this page as a rough guide.
The Cloud County job picture
The biggest employer of Cloud County residents, by industry, is education and health care at 28% of workers, followed by retail trade (11%). Compared with Kansas, the county leans toward agriculture, forestry and mining (9% against 3%). Averaged over the five survey years, 2.5% 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. Only 6.5% of homes here go without a vehicle.
| Industry | Share of Cloud County workers | vs Kansas |
|---|---|---|
| Education and health care | 27.5% | +2.5 pts |
| Retail trade | 11.2% | +0.6 pts |
| Manufacturing | 10.7% | -1.7 pts |
| Agriculture, forestry and mining | 9.1% | +6.0 pts |
| Arts, lodging and food service | 8.4% | +1.0 pts |
| Construction | 7.6% | +1.2 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Cloud County should have bank statements and tax returns ready.
Paychecks and income spread in Cloud County
At $58,770, the typical Cloud County household income is 11% below the median U.S. county ($65,681). In the state ranking that is 84th of 105.
| Household income | Cloud County | vs Kansas |
|---|---|---|
| Under $35,000 | 25.9% | +4.2 pts |
| $35,000 to $99,999 | 54.4% | +12.1 pts |
| $100,000 to $199,999 | 16.4% | -10.0 pts |
| $200,000 or more | 3.2% | -6.3 pts |
About 26% of households earn under $35,000, while 20% clear $100,000. 10.0% of residents fall below the federal poverty line (statewide: 11.3%). None of these numbers decides a Cloud County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Cloud County
Renters in Cloud County pay a median of $769 a month, 27% below the Kansas figure of $1,060. Rent takes 30% or more of income for 39% of renter households here. The median owner-occupied home is valued at $100,000, about 1.7 times the median household income. The ownership rate is 74%. Median construction year: 1953.
| Home costs | Cloud County | Kansas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $769/mo | $1,060/mo | $877/mo |
| Median home value | $100,000 | $217,200 | $185,300 |
| Owners | 74% | 67% | 75% |
| Rent-burdened renters | 39% | 43% | 45% |
| Burdened owners | 25% | 22% | n/a |
| Vacant units | 15% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
How Cloud County compares with nearby counties
The six counties whose centers lie closest to Cloud County's, from 24 to 37 miles away. Income ranges from $52,634 in Jewell County to $74,018 in Ottawa County; 4 of these neighbors top Cloud County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Cloud County | - | $58,770 | $769/mo | 74% |
| Republic County, KS | 24 mi | $56,833 | $664/mo | 78% |
| Ottawa County, KS | 24 mi | $74,018 | $809/mo | 77% |
| Clay County, KS | 27 mi | $66,176 | $937/mo | 78% |
| Mitchell County, KS | 31 mi | $64,246 | $604/mo | 69% |
| Washington County, KS | 35 mi | $65,482 | $562/mo | 78% |
| Jewell County, KS | 37 mi | $52,634 | $608/mo | 74% |
The communities that make up Cloud County
7 Census places fall mainly inside Cloud County; the 7 biggest are below. They account for 6,888 residents, leaving about 23% of the county in unincorporated, unnamed areas. This guide covers each of the 7 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Concordia | city | 5,015 | $51,138 | $808 | 6 mi |
| Clyde | city | 791 | $44,450 | $658 | 15 mi |
| Miltonvale | city | 474 | $52,026 | $692 | 14 mi |
| Glasco | city | 388 | $54,583 | $756 | 14 mi |
| Jamestown | city | 174 | $71,458 | n/a | 14 mi |
| Aurora | city | 25 | $78,125 | n/a | 6 mi |
| Ames | CDP | 21 | n/a | n/a | 12 mi |
A CDP is a named community without its own municipal government.
Room for a loan payment in Cloud County
How much room does a median Cloud County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $4,898 gross per month ($58,770 / 12)
- Median rent: $769, or 16 cents of every gross dollar
- 36% debt-to-income limit: $994 left for all other debt payments
If your rent is above $769, the room shrinks dollar for dollar.
Cloud County households compared
Degree holders: 21% of adults over 25. 7.9% of residents have no health coverage.
| Indicator | Cloud County | All of Kansas | U.S. county median |
|---|---|---|---|
| Median age | 40.2 | 37.4 | 41.5 |
| Bachelor's or higher | 20.8% | 35.6% | 22.2% |
| No high school diploma | 4.9% | 8.0% | n/a |
| No health insurance | 7.9% | 8.8% | 7.8% |
| No vehicle | 6.5% | 5.1% | 5.4% |
| Work from home | 4.0% | 11.8% | 8.7% |
| Poverty rate | 10.0% | 11.3% | 13.2% |
| Unemployment (ACS) | 2.5% | 3.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 60.4% |
| 15 to 29 min | 20.9% |
| 30 to 44 min | 10.5% |
| 45 to 59 min | 3.6% |
| 60+ min | 4.6% |
Borrowing situations common in Cloud County
Where the Cloud County numbers stand out, and why it matters for a loan:
- Check your file. An error fixed before you apply can change the offers a Cloud County borrower sees (free reports).
- Advance-fee offers. No legitimate lender asks a Cloud County borrower to pay first (scam signs).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Checking a lender's license in Kansas
Cloud County borrowers fall under statewide rules, enforced by the Kansas Office of the State Bank Commissioner. Federal complaints: consumerfinance.gov. More on Kansas: Kansas personal loans.
Steps before you apply in Cloud County
Steps that save money for Cloud 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.
- Only work with lenders licensed for Kansas borrowers.
- Confirm the first due date before setting up autopay.
Nearby and statewide guides
The Kansas guide covers the whole state.
Frequently asked questions
Is Cloud County a high-income county?
Its $58,770 median ranks 84th of 105 Kansas counties and compares with $65,681 for the median U.S. county.
How much is rent in Cloud County?
Median gross rent, utilities included, is $769 a month; 39% of renters spend 30% or more of income on it.
I own my home in Cloud 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.
Does this page cover Concordia?
Yes, along with the other 6 Census places in Cloud County, such as Clyde, Miltonvale, Glasco.
Are Cloud 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.