1st Advantage MortgageDaviess County households have a median income of $68,503 and median rent of $847 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 Daviess County
- Work, industries and travel time in Daviess County
- Paychecks and income spread in Daviess County
- Rent, home values and ownership in Daviess County
- Daviess County towns compared
- Regional comparison for Daviess County
- Budget math at the Daviess County median
- Who lives in Daviess County, in numbers
- Before borrowing in Daviess County
- Steps before you apply in Daviess County
- Indiana rules that apply in Daviess County
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Daviess County
Roughly 33,658 residents live in Daviess County, Indiana, 48th by population among the state's 92 counties and county equivalents. Packed into 430 square miles, that is close to 78 residents for every square mile of land. No metropolitan area includes Daviess County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 8 places in the county (7 incorporated, 1 census-designated); the largest is Washington, with about 12,367 residents, or 37% of the county.
Work, industries and travel time in Daviess County
Manufacturing employs 21% of working residents, the largest share; education and health care is next with 19%. Compared with Indiana, the county leans toward construction (13% against 7%). The survey's unemployment rate for Daviess County averages 1.5% over 2020 to 2024 (state: 4.3%). About 68% drive to work alone and 12% have trips of 45 minutes or more. 13.6% of households have no vehicle.
| Industry (employed residents 16+) | Daviess County | Gap to Indiana |
|---|---|---|
| Manufacturing | 20.9% | +2.9 pts |
| Education and health care | 18.7% | -4.8 pts |
| Construction | 13.2% | +6.7 pts |
| Retail trade | 12.1% | +1.4 pts |
| Professional and administrative services | 6.3% | -2.9 pts |
| Public administration | 6.1% | +2.5 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Paychecks and income spread in Daviess County
At $68,503, the typical Daviess County household income is 4% above the median U.S. county ($65,681). That places it 47th among Indiana's 92 county-level areas.
| Yearly household income | Daviess County | Gap to Indiana |
|---|---|---|
| Under $35,000 | 26.5% | +3.9 pts |
| $35,000 to $99,999 | 40.0% | -3.4 pts |
| $100,000 to $199,999 | 28.2% | +2.4 pts |
| $200,000 or more | 5.3% | -3.0 pts |
About 26% of households earn under $35,000, while 34% clear $100,000. Census counts 11.7% of Daviess County residents in poverty, against 12.3% across Indiana. The Gini index of income inequality is 0.437 (0 is perfect equality). For a borrower in Daviess 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.
Rent, home values and ownership in Daviess County
Median gross rent, utilities included, comes to $847 in Daviess County versus $1,062 statewide. By the Census definition, 44% of Daviess County renters are cost-burdened. With a median value of $197,200, a typical Daviess County house costs 2.9 times what the median household earns in a year. Owners occupy 72% of homes. Half the housing stock was built before 1975.
| Home costs | Daviess County | Indiana | U.S. middle county |
|---|---|---|---|
| Median gross rent | $847/mo | $1,062/mo | $877/mo |
| Median home value | $197,200 | $218,200 | $185,300 |
| Owners | 72% | 71% | 75% |
| Rent-burdened renters | 44% | 48% | 45% |
| Burdened owners | 18% | 20% | n/a |
In an owner-heavy county like Daviess 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.
Daviess County towns compared
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 48% of Daviess County residents live in one of the 8. Incomes vary by place: $83,500 at the median in Montgomery, $41,786 in Elnora. Median rent ranges from $498 in Odon to $860 in Montgomery. This guide covers each of the 8 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Washington | city | 12,367 | $50,331 | $858 | 5 mi |
| Odon | town | 1,419 | $49,342 | $498 | 11 mi |
| Montgomery | town | 1,111 | $83,500 | $860 | 3 mi |
| Elnora | town | 531 | $41,786 | $625 | 12 mi |
| Plainville | town | 412 | $51,094 | $824 | 9 mi |
| Cannelburg | town | 178 | $69,583 | n/a | 5 mi |
| Raglesville | CDP | 139 | n/a | n/a | 10 mi |
| Alfordsville | town | 25 | $48,333 | n/a | 12 mi |
A CDP is a named community without its own municipal government.
Regional comparison for Daviess County
The six counties whose centers lie closest to Daviess County's, from 15 to 33 miles away. 3 of the six report a higher median household income than Daviess County; Dubois County is highest at $75,979 and Sullivan County lowest at $56,204.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Daviess County | - | $68,503 | $847/mo | 72% |
| Martin County, IN | 15 mi | $68,594 | $697/mo | 79% |
| Knox County, IN | 19 mi | $61,237 | $796/mo | 68% |
| Pike County, IN | 22 mi | $71,334 | $739/mo | 87% |
| Greene County, IN | 25 mi | $62,094 | $797/mo | 77% |
| Dubois County, IN | 25 mi | $75,979 | $834/mo | 75% |
| Sullivan County, IN | 33 mi | $56,204 | $829/mo | 76% |
Budget math at the Daviess County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Daviess County household at the medians it works out like this; treat it as an illustration only.
- Start: $5,709 gross per month ($68,503 / 12)
- Rent at the median, $847, takes 15% of that
- 36% debt-to-income limit: $1,208 left for all other debt payments
- With a 43% ceiling, about $1,608 remains for car, card, student and any new loan payments
If your rent is above $847, the room shrinks dollar for dollar.
Who lives in Daviess County, in numbers
Degree holders: 16% of adults over 25. The uninsured rate is 21.9%, against 7.4% for Indiana.
| Measure | Daviess County | Indiana statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 34.5 | 38.1 | 41.5 |
| Bachelor's or higher | 16.5% | 29.5% | 22.2% |
| No high school diploma | 23.4% | 9.6% | n/a |
| No health insurance | 21.9% | 7.4% | 7.8% |
| No vehicle | 13.6% | 6.2% | 5.4% |
| Work from home | 5.6% | 10.7% | 8.7% |
| Poverty rate | 11.7% | 12.3% | 13.2% |
| Unemployment (ACS) | 1.5% | 4.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 46.3% |
| 15 to 29 min | 26.5% |
| 30 to 44 min | 14.9% |
| 45 to 59 min | 5.0% |
| 60+ min | 7.3% |
Before borrowing in Daviess County
The county's numbers point to a few situations that come up often for Daviess County borrowers.
- Uninsured care. 22% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Steps before you apply in Daviess County
Quick steps for Daviess County:
- Know the exact dollar figure you need before talking to a lender.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Indiana.
- Ask about early-payoff penalties.
Indiana rules that apply in Daviess County
Before sharing details with a lender, a Daviess County resident can confirm its license with the Indiana Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Indiana: Indiana personal loans.
Nearby and statewide guides
The Indiana guide covers the whole state.
Frequently asked questions
How much do households in Daviess County earn?
The median is $68,503; 34% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Daviess County?
$847 a month at the median, about 15% of median household income.
I own my home in Daviess County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 72% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Daviess County guide cover?
Every community in the county, unincorporated areas included. The largest of its 8 Census places: Washington, Odon, Montgomery, Elnora, Plainville.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Daviess County or elsewhere in Indiana, the same rules apply.