1st Advantage MortgageThe median Coshocton County household earns $55,577, and 19% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Ohio license first.
On this page
- Coshocton County, OH: the basics
- Coshocton County housing compared with Ohio
- Household income in Coshocton County
- Work, industries and travel time in Coshocton County
- Places inside Coshocton County
- Coshocton County next to its neighbors
- Coshocton County households compared
- What the numbers mean for Coshocton County borrowers
- Room for a loan payment in Coshocton County
- Steps before you apply in Coshocton County
- Checking a lender's license in Ohio
- Related local guides
- Frequently asked questions
Coshocton County, OH: the basics
The latest five-year Census estimate puts Coshocton County's population at 36,744; only 65 of Ohio's 88 county-level areas are larger. It covers 564 square miles of land, or about 65 people per square mile. Under the July 2023 OMB definitions, Coshocton County is not part of any metropolitan area. The Census Bureau counts 8 places in the county (6 incorporated, 2 census-designated); the largest is Coshocton, with about 11,068 residents, or 30% of the county.
Coshocton County housing compared with Ohio
Renters in Coshocton County pay a median of $765 a month, 26% below the Ohio figure of $1,034. By the Census definition, 48% of Coshocton County renters are cost-burdened. Home values center on $155,500, or 2.8 years of median income. Owners occupy 73% of homes. The median home was built in 1967, so roofs, wiring and heating systems are a common source of repair bills.
| Home costs | Coshocton County | Ohio | U.S. middle county |
|---|---|---|---|
| Median gross rent | $765/mo | $1,034/mo | $877/mo |
| Median home value | $155,500 | $214,800 | $185,300 |
| Owners | 73% | 67% | 75% |
| Rent-burdened renters | 48% | 46% | 45% |
| Burdened owners | 24% | 21% | n/a |
| Mobile homes | 12.5% | 3.4% | n/a |
| Vacant units | 9% | 8% | n/a |
In an owner-heavy county like Coshocton 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.
Household income in Coshocton County
The median household income in Coshocton County is $55,577; statewide it is $71,389, so Coshocton County runs 22% below Ohio as a whole. That places it 82nd among Ohio's 88 county-level areas.
| Band | Coshocton County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 32.0% | +8.2 pts |
| $35,000 to $99,999 | 44.7% | +3.1 pts |
| $100,000 to $199,999 | 19.3% | -6.1 pts |
| $200,000 or more | 3.9% | -5.2 pts |
About 32% of households earn under $35,000, while 23% clear $100,000. 18.5% of residents fall below the federal poverty line (statewide: 13.3%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Coshocton County
Manufacturing employs 24% of working residents, the largest share; education and health care is next with 19%. Compared with Ohio, the county leans toward manufacturing (24% against 15%). ACS puts five-year average unemployment at 5.4% in Coshocton County. Long commutes are common here: 16% of workers spend 45 minutes or longer getting to work. Only 11.8% of homes here go without a vehicle.
| Where residents work | Coshocton County | Difference from Ohio |
|---|---|---|
| Manufacturing | 23.7% | +9.0 pts |
| Education and health care | 19.2% | -5.1 pts |
| Retail trade | 12.6% | +1.5 pts |
| Arts, lodging and food service | 7.5% | -0.9 pts |
| Construction | 7.1% | +1.2 pts |
| Transportation, warehousing and utilities | 6.7% | +0.7 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.
Places inside Coshocton County
Here are the 8 most populous of the county's 8 Census places, with income and rent from the same 2020 to 2024 survey. About 44% of Coshocton County residents live in one of the 8. Among places of 500 or more people, median income runs from $38,000 in Warsaw to $62,188 in Canal Lewisville. Median rent ranges from $541 in Warsaw to $1,317 in Canal Lewisville. No Coshocton County place has a separate guide yet; this county page serves all 8.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Coshocton | city | 11,068 | $48,731 | $768 | 5 mi |
| West Lafayette | village | 2,857 | $49,261 | $719 | 10 mi |
| Canal Lewisville | CDP | 658 | $62,188 | $1,317 | 5 mi |
| Warsaw | village | 604 | $38,000 | $541 | 5 mi |
| Nellie | village | 313 | $29,688 | n/a | 8 mi |
| Conesville | village | 211 | $51,250 | $919 | 8 mi |
| Plainfield | village | 192 | $55,769 | n/a | 13 mi |
| Fresno | CDP | 149 | $25,408 | n/a | 10 mi |
Coshocton County next to its neighbors
Six nearby counties, 19 to 32 miles away by the straight-line distance between their centers. Licking County leads the group on income ($84,426), Guernsey County trails ($58,478), and Coshocton County out-earns 0 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Coshocton County | - | $55,577 | $765/mo | 73% |
| Holmes County, OH | 19 mi | $76,140 | $816/mo | 79% |
| Muskingum County, OH | 23 mi | $60,780 | $833/mo | 68% |
| Tuscarawas County, OH | 26 mi | $65,044 | $908/mo | 69% |
| Knox County, OH | 27 mi | $73,878 | $950/mo | 76% |
| Guernsey County, OH | 28 mi | $58,478 | $864/mo | 72% |
| Licking County, OH | 32 mi | $84,426 | $1,078/mo | 74% |
Coshocton County households compared
17% of Coshocton County adults 25 and older hold a bachelor's degree or more. About 12% go without health insurance.
| Indicator | Coshocton County | All of Ohio | U.S. county median |
|---|---|---|---|
| Median age | 41.3 | 39.7 | 41.5 |
| Bachelor's or higher | 16.7% | 31.5% | 22.2% |
| No high school diploma | 16.5% | 8.2% | n/a |
| No health insurance | 12.1% | 6.4% | 7.8% |
| No vehicle | 11.8% | 7.5% | 5.4% |
| Work from home | 6.9% | 13.0% | 8.7% |
| Poverty rate | 18.5% | 13.3% | 13.2% |
| Unemployment (ACS) | 5.4% | 4.8% | 4.4% |
| Commute length | Coshocton County |
|---|---|
| Under 15 min | 34.8% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 16.2% |
| 45 to 59 min | 6.6% |
| 60+ min | 9.4% |
What the numbers mean for Coshocton County borrowers
Where the Coshocton County numbers stand out, and why it matters for a loan:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Mobile home upkeep. 12% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Lower-cost alternatives. In a county with 19% in poverty, nonprofit credit counseling may beat a loan (options).
- Renters under pressure. When 48% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Room for a loan payment in Coshocton County
Coshocton County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Coshocton County: $4,631
- Less median rent of $765, which is 17% of it
- With a 36% ceiling, about $902 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Steps before you apply in Coshocton County
Before you apply, wherever you live in Coshocton County:
- Price the Coshocton County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Checking a lender's license in Ohio
Licensing happens at the state level, so a lender working with Coshocton County borrowers answers to the Ohio Division of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Ohio: Ohio personal loans.
Related local guides
The Ohio guide covers the whole state.
Frequently asked questions
What does a typical Coshocton County household make?
About $55,577 a year at the median (ACS 2020-24), 22% below the Ohio median.
How does Coshocton County rent compare with Ohio?
$765 locally versus $1,034 for the state, 26% below.
I live in a small Coshocton County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Coshocton, West Lafayette, Canal Lewisville, Warsaw, Nellie and 3 more.
Will a Coshocton County address affect my match?
Beyond confirming Ohio as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Coshocton County office that licenses lenders?
No, licensing is statewide. In Ohio it is the Ohio Division of Financial Institutions.