1st Advantage MortgageComanche County households have a median income of $54,545 and median rent of $692 a month (ACS 2020 to 2024). 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
- A quick profile of Comanche County
- Paychecks and income spread in Comanche County
- Renting and owning in Comanche County
- How Comanche County residents earn a living
- Regional comparison for Comanche County
- Cities, towns and CDPs in Comanche County
- A Comanche County household budget, worked through
- What the numbers mean for Comanche County borrowers
- Comanche County households compared
- Before you sign
- Lender oversight for Comanche County
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Comanche County
The latest five-year Census estimate puts Comanche County's population at 1,729; only 100 of Kansas's 105 county-level areas are larger. Land area is 788 square miles (2024 Gazetteer), so density runs near 2 per square mile. No metropolitan area includes Comanche County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 3 Census places inside Comanche County, Coldwater leads by population with about 784; 3 of the 3 are incorporated. With so few households sampled, Comanche County estimates can move a lot between releases.
Paychecks and income spread in Comanche County
The median household income in Comanche County is $54,545; statewide it is $74,275, so Comanche County runs 27% below Kansas as a whole. That places it 96th among Kansas's 105 county-level areas.
| Yearly household income | Comanche County | Gap to Kansas |
|---|---|---|
| Under $35,000 | 26.2% | +4.5 pts |
| $35,000 to $99,999 | 55.6% | +13.3 pts |
| $100,000 to $199,999 | 14.4% | -12.0 pts |
| $200,000 or more | 3.8% | -5.8 pts |
About 26% of households earn under $35,000, while 18% clear $100,000. Census counts 9.2% of Comanche County residents in poverty, against 11.3% across Kansas. The Gini index of income inequality is 0.393 (0 is perfect equality). None of these numbers decides a Comanche County application. Lenders weigh your own documented income against your own debts.
Renting and owning in Comanche County
Renters in Comanche County pay a median of $692 a month, 35% below the Kansas figure of $1,060. By the Census definition, 41% of Comanche County renters are cost-burdened. Home values center on $69,600, or 1.3 years of median income. The ownership rate is 73%. Half the housing stock was built before 1947.
| Home costs | Comanche County | Kansas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $692/mo | $1,060/mo | $877/mo |
| Median home value | $69,600 | $217,200 | $185,300 |
| Owners | 73% | 67% | 75% |
| Rent-burdened renters | 41% | 43% | 45% |
| Burdened owners | 20% | 22% | n/a |
In an owner-heavy county like Comanche 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.
How Comanche County residents earn a living
By the Census industry count, 31% of employed Comanche County residents work in education and health care and 21% in agriculture, forestry and mining. Agriculture, forestry and mining stands out: 21% of workers here, versus 3% statewide. Averaged over the five survey years, 1.7% of the labor force was out of work and looking. 8% of commuters travel 45 minutes or more each way, and 4% work from home. 3.4% of households have no vehicle.
| Industry (employed residents 16+) | Comanche County | Gap to Kansas |
|---|---|---|
| Education and health care | 31.4% | +6.4 pts |
| Agriculture, forestry and mining | 21.0% | +17.9 pts |
| Retail trade | 9.7% | -0.8 pts |
| Construction | 7.0% | +0.6 pts |
| Transportation, warehousing and utilities | 6.6% | +1.0 pts |
| Manufacturing | 6.6% | -5.8 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Regional comparison for Comanche County
Six nearby counties, 26 to 43 miles away by the straight-line distance between their centers. Kiowa County leads the group on income ($75,539), Woods County trails ($53,275), and Comanche County out-earns 1 of the six. Some neighbors are in Oklahoma. Lender licensing is state by state, so a loan for a Comanche County resident follows Kansas rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Comanche County | - | $54,545 | $692/mo | 73% |
| Kiowa County, KS | 26 mi | $75,539 | $762/mo | 73% |
| Clark County, KS | 31 mi | $63,043 | $789/mo | 74% |
| Barber County, KS | 31 mi | $61,926 | $830/mo | 81% |
| Harper County, OK | 35 mi | $64,053 | $828/mo | 84% |
| Woods County, OK | 38 mi | $53,275 | $850/mo | 65% |
| Pratt County, KS | 43 mi | $66,022 | $802/mo | 73% |
Cities, towns and CDPs in Comanche County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 75% of Comanche County residents live in one of the 3. This guide covers each of the 3 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Coldwater | city | 784 | $51,338 | $728 | 7 mi |
| Protection | city | 492 | $51,974 | $521 | 13 mi |
| Wilmore | city | 24 | $71,250 | n/a | 11 mi |
A Comanche County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Comanche County's medians:
- Start: $4,545 gross per month ($54,545 / 12)
- Median rent: $692, or 15 cents of every gross dollar
- 35% debt-to-income limit: $899 left for all other debt payments
- 45% debt-to-income limit: $1,353 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
What the numbers mean for Comanche County borrowers
A few patterns in the Comanche County data, and the practical point behind each:
- Older households. A 49.6 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Comanche County households compared
College graduates make up 20% of the adult population. 7.5% of residents have no health coverage.
| Residents | Comanche County | Kansas | Middle U.S. county |
|---|---|---|---|
| Median age | 49.6 | 37.4 | 41.5 |
| Bachelor's or higher | 20.1% | 35.6% | 22.2% |
| No high school diploma | 4.0% | 8.0% | n/a |
| No health insurance | 7.5% | 8.8% | 7.8% |
| No vehicle | 3.4% | 5.1% | 5.4% |
| Work from home | 3.6% | 11.8% | 8.7% |
| Poverty rate | 9.2% | 11.3% | 13.2% |
| Unemployment (ACS) | 1.7% | 3.9% | 4.4% |
Before you sign
Steps that save money for Comanche County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Read the final agreement; it must match the offer.
Lender oversight for Comanche County
Before sharing details with a lender, a Comanche County resident can confirm its license with the Kansas Office of the State Bank Commissioner. The Consumer Financial Protection Bureau accepts complaints nationwide. More on Kansas: Kansas personal loans.
Nearby and statewide guides
For statewide rules and data, see the Kansas guide.
Frequently asked questions
What is the median household income in Comanche County?
$54,545 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 96th of 105 in the state.
Is Comanche County expensive for renters?
Median rent is $692 against $1,060 statewide, and 41% of renter households are cost-burdened.
Which towns does the Comanche County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Coldwater, Protection, Wilmore.
Does living in Comanche 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 Comanche County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Comanche County?
Start with the Kansas Office of the State Bank Commissioner, then the CFPB complaint portal. Keep copies of every message.