1st Advantage MortgageIn Dixie County, Florida, the typical household earns $50,110 a year and the typical rent is $695. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Florida before sharing details.
On this page
- Who lives in Dixie County
- Housing costs in Dixie County
- Paychecks and income spread in Dixie County
- Jobs and commutes in Dixie County
- Cities, towns and CDPs in Dixie County
- The counties around Dixie County
- Room for a loan payment in Dixie County
- Local borrowing considerations for Dixie County
- People and households in Dixie County
- Licensing and complaints for Dixie County
- A Dixie County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Who lives in Dixie County
Dixie County is home to about 17,058 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 58th most populous of 67 county-level areas in Florida. It covers 705 square miles of land, or about 24 people per square mile. Under the July 2023 OMB definitions, Dixie County is not part of any metropolitan area. Cross City is the biggest of its 2 Census places, at roughly 1,955 people (11% of the county total).
Housing costs in Dixie County
Median gross rent, utilities included, comes to $695 in Dixie County versus $1,669 statewide. Rent takes 30% or more of income for 47% of renter households here. The median owner-occupied home is valued at $132,000, about 2.6 times the median household income. Owners occupy 85% of homes. Half the housing stock was built before 1988.
| Measure | Dixie County | Florida | Median U.S. county |
|---|---|---|---|
| Median gross rent | $695/mo | $1,669/mo | $877/mo |
| Median home value | $132,000 | $359,000 | $185,300 |
| Owners | 85% | 68% | 75% |
| Rent-burdened renters | 47% | 60% | 45% |
| Burdened owners | 39% | 35% | n/a |
| Vacant units | 34% | 15% | n/a |
In an owner-heavy county like Dixie 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.
Paychecks and income spread in Dixie County
At $50,110, the typical Dixie County household income is 24% below the median U.S. county ($65,681). In the state ranking that is 60th of 67.
| Yearly household income | Dixie County | Gap to Florida |
|---|---|---|
| Under $35,000 | 36.7% | +14.4 pts |
| $35,000 to $99,999 | 45.2% | +4.1 pts |
| $100,000 to $199,999 | 17.8% | -7.9 pts |
| $200,000 or more | 0.3% | -10.7 pts |
The spread is wide: 18% of Dixie County households make $100,000 or more, and 37% make less than $35,000. 20.9% of residents fall below the federal poverty line (statewide: 12.6%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Dixie County median.
Jobs and commutes in Dixie County
The biggest employer of Dixie County residents, by industry, is education and health care at 23% of workers, followed by retail trade (16%). Compared with Florida, the county leans toward public administration (9% against 4%). The survey's unemployment rate for Dixie County averages 3.3% over 2020 to 2024 (state: 4.8%). Long commutes are the exception here: 14% of workers spend 45 minutes or longer getting to work. Only 3.1% of homes here go without a vehicle.
| Where residents work | Dixie County | Difference from Florida |
|---|---|---|
| Education and health care | 22.7% | +1.7 pts |
| Retail trade | 15.8% | +3.9 pts |
| Arts, lodging and food service | 8.9% | -2.0 pts |
| Public administration | 8.9% | +4.6 pts |
| Construction | 8.3% | 0.0 pts |
| Finance, insurance and real estate | 7.8% | -0.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Dixie County
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 12% of Dixie County residents live in one of the 2. This guide covers each of the 2 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Cross City | town | 1,955 | $47,903 | $695 | 9 mi |
| Horseshoe Beach | town | 78 | $62,768 | n/a | 8 mi |
The counties around Dixie County
Distances run center to center, from Gilchrist County at 29 miles out to Alachua County at 53. 5 of the six report a higher median household income than Dixie County; Gilchrist County is highest at $63,523 and Taylor County lowest at $49,073.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Dixie County | - | $50,110 | $695/mo | 85% |
| Gilchrist County, FL | 29 mi | $63,523 | $926/mo | 86% |
| Lafayette County, FL | 30 mi | $62,757 | $896/mo | 77% |
| Levy County, FL | 31 mi | $56,750 | $850/mo | 81% |
| Taylor County, FL | 37 mi | $49,073 | $988/mo | 76% |
| Suwannee County, FL | 46 mi | $56,658 | $884/mo | 75% |
| Alachua County, FL | 53 mi | $61,949 | $1,339/mo | 54% |
Room for a loan payment in Dixie County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Dixie County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $4,176 before taxes
- Housing at the median rent of $695 uses 17%
- Under a 35% cap, $1,462 total minus rent leaves $767
- With a 45% ceiling, about $1,184 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.
Local borrowing considerations for Dixie County
Based on the Dixie County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 17% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- 51% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Benefit income. With half of residents older than 46, lenders often see pension and Social Security income, which counts like wages.
- 21% below poverty. Emergency aid, payment plans and counseling (list) come first.
People and households in Dixie County
11% of Dixie County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 17.1%, against 11.5% for Florida.
| Indicator | Dixie County | All of Florida | U.S. county median |
|---|---|---|---|
| Median age | 46.4 | 42.6 | 41.5 |
| Bachelor's or higher | 10.7% | 34.1% | 22.2% |
| No high school diploma | 15.3% | 10.1% | n/a |
| No health insurance | 17.1% | 11.5% | 7.8% |
| No vehicle | 3.1% | 6.0% | 5.4% |
| Work from home | 5.7% | 15.7% | 8.7% |
| Poverty rate | 20.9% | 12.6% | 13.2% |
| Unemployment (ACS) | 3.3% | 4.8% | 4.4% |
| Minutes to work | Dixie County workers |
|---|---|
| Under 15 min | 32.8% |
| 15 to 29 min | 43.5% |
| 30 to 44 min | 9.7% |
| 45 to 59 min | 6.8% |
| 60+ min | 7.3% |
Licensing and complaints for Dixie County
Before sharing details with a lender, a Dixie County resident can confirm its license with the Florida Office of Financial Regulation. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Florida guide.
A Dixie County borrower's checklist
Before you apply, wherever you live in Dixie County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
For statewide rules and data, see the Florida guide.
Frequently asked questions
How much do households in Dixie County earn?
The median is $50,110; 18% earn $100,000 or more and 37% under $35,000. A lender uses your own documented income, not this figure.
How does Dixie County rent compare with Florida?
$695 locally versus $1,669 for the state, 58% below.
Does this page cover Cross City?
Yes, along with the other 1 Census place in Dixie County, such as Horseshoe Beach.
Are Dixie 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.
Who regulates personal lenders for Dixie County residents?
The Florida Office of Financial Regulation licenses consumer lenders in Florida; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.