1st Advantage MortgageIn De Witt County, Illinois, the typical household earns $71,678 a year and the typical rent is $903. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Illinois license first.
On this page
- De Witt County at a glance
- Paychecks and income spread in De Witt County
- Rent, home values and ownership in De Witt County
- Employment and commuting in De Witt County
- De Witt County next to its neighbors
- Places inside De Witt County
- Room for a loan payment in De Witt County
- Local borrowing considerations for De Witt County
- More De Witt County figures
- Licensing and complaints for De Witt County
- A De Witt County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
De Witt County at a glance
Roughly 15,373 residents live in De Witt County, Illinois, 70th by population among the state's 102 counties and county equivalents. It covers 398 square miles of land, or about 39 people per square mile. No metropolitan area includes De Witt County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Clinton is the biggest of its 8 Census places, at roughly 6,985 people (45% of the county total).
Paychecks and income spread in De Witt County
At $71,678, the typical De Witt County household income is 9% above the median U.S. county ($65,681).
| Band | De Witt County | Compared with Illinois |
|---|---|---|
| Under $35,000 | 21.2% | +0.3 pts |
| $35,000 to $99,999 | 43.5% | +6.3 pts |
| $100,000 to $199,999 | 29.6% | +1.5 pts |
| $200,000 or more | 5.8% | -8.0 pts |
About 21% of households earn under $35,000, while 35% clear $100,000. 10.0% of residents fall below the federal poverty line (statewide: 11.8%). The Gini index of income inequality is 0.403 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the De Witt County median.
Rent, home values and ownership in De Witt County
Median gross rent, utilities included, comes to $903 in De Witt County versus $1,274 statewide. By the Census definition, 34% of De Witt County renters are cost-burdened. With a median value of $130,300, a typical De Witt County house costs 1.8 times what the median household earns in a year. 79% of De Witt County households own their home and 21% rent. Median construction year: 1958.
| Cost | De Witt County | Illinois figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $903/mo | $1,274/mo | $877/mo |
| Median home value | $130,300 | $263,300 | $185,300 |
| Owners | 79% | 67% | 75% |
| Rent-burdened renters | 34% | 48% | 45% |
| Burdened owners | 16% | 27% | 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).
Employment and commuting in De Witt County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 16%. The sharpest difference from the state is in manufacturing, at 16% locally and 11% for Illinois. ACS puts five-year average unemployment at 4.0% in De Witt County. Long commutes are the exception here: 9% of workers spend 45 minutes or longer getting to work. 3.8% of households have no vehicle.
| Industry | Share of De Witt County workers | vs Illinois |
|---|---|---|
| Education and health care | 21.9% | -1.7 pts |
| Manufacturing | 16.4% | +4.9 pts |
| Finance, insurance and real estate | 10.6% | +3.2 pts |
| Retail trade | 9.5% | -0.9 pts |
| Transportation, warehousing and utilities | 8.3% | +1.3 pts |
| Construction | 6.3% | +1.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in De Witt County should have bank statements and tax returns ready.
De Witt County next to its neighbors
Six nearby counties, 20 to 39 miles away by the straight-line distance between their centers. Piatt County leads the group on income ($94,811), Macon County trails ($62,666), and De Witt County out-earns 3 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| De Witt County | - | $71,678 | $903/mo | 79% |
| Piatt County, IL | 20 mi | $94,811 | $1,046/mo | 85% |
| McLean County, IL | 22 mi | $79,905 | $1,009/mo | 65% |
| Macon County, IL | 22 mi | $62,666 | $847/mo | 70% |
| Logan County, IL | 25 mi | $66,358 | $829/mo | 68% |
| Champaign County, IL | 37 mi | $63,683 | $1,051/mo | 54% |
| Tazewell County, IL | 39 mi | $77,982 | $909/mo | 78% |
Places inside De Witt County
The table lists the 8 largest of 8 Census places in De Witt County, by population. Together all 8 hold about 10,718 people, so roughly 30% of residents live outside any named place. None of the 8 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Clinton | city | 6,985 | $62,323 | $934 | 4 mi |
| Farmer City | city | 1,885 | $67,067 | $468 | 14 mi |
| Wapella | village | 480 | $51,818 | $925 | 4 mi |
| Waynesville | village | 375 | $60,000 | $670 | 12 mi |
| Weldon | village | 350 | $60,625 | $950 | 9 mi |
| Kenney | village | 349 | $82,813 | $825 | 11 mi |
| De Witt | village | 176 | $82,188 | n/a | 6 mi |
| Lane | CDP | 118 | n/a | n/a | 5 mi |
Room for a loan payment in De Witt County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a De Witt County household at the medians it works out like this; treat it as an illustration only.
- $5,973 a month: gross income for a household at the De Witt County median
- Median rent: $903, or 15 cents of every gross dollar
- With a 35% ceiling, about $1,188 remains for car, card, student and any new loan payments
- 45% debt-to-income limit: $1,785 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Local borrowing considerations for De Witt County
The county's numbers point to a few situations that come up often for De Witt County borrowers.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
More De Witt County figures
Degree holders: 23% of adults over 25. The uninsured rate is 3.2%, against 6.9% for Illinois.
| People and households | De Witt County | Illinois | Median county |
|---|---|---|---|
| Median age | 43.7 | 39.0 | 41.5 |
| Bachelor's or higher | 23.2% | 37.8% | 22.2% |
| No high school diploma | 6.1% | 9.5% | n/a |
| No health insurance | 3.2% | 6.9% | 7.8% |
| No vehicle | 3.8% | 11.0% | 5.4% |
| Work from home | 10.6% | 15.9% | 8.7% |
| Poverty rate | 10.0% | 11.8% | 13.2% |
| Unemployment (ACS) | 4.0% | 5.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 36.0% |
| 15 to 29 min | 25.6% |
| 30 to 44 min | 29.0% |
| 45 to 59 min | 6.6% |
| 60+ min | 2.8% |
Licensing and complaints for De Witt County
Before sharing details with a lender, a De Witt County resident can confirm its license with the Illinois Department of Financial and Professional Regulation. A CFPB complaint gets forwarded to the company for a response. See the Illinois state guide for the statewide picture.
A De Witt County borrower's checklist
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in De Witt County.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Illinois license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
The Illinois guide covers the whole state.
Frequently asked questions
How much do households in De Witt County earn?
The median is $71,678; 35% earn $100,000 or more and 21% under $35,000. A lender uses your own documented income, not this figure.
Is De Witt County expensive for renters?
Median rent is $903 against $1,274 statewide, and 34% of renter households are cost-burdened.
Which towns does the De Witt County guide cover?
Every community in the county, unincorporated areas included. The largest of its 8 Census places: Clinton, Farmer City, Wapella, Waynesville, Weldon.
Will a De Witt County address affect my match?
Beyond confirming Illinois as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a De Witt County office that licenses lenders?
No, licensing is statewide. In Illinois it is the Illinois Department of Financial and Professional Regulation.