1st Advantage MortgageThe median Fulton County household earns $65,836, and 11% of residents live below the poverty line. 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
- Fulton County at a glance
- Paychecks and income spread in Fulton County
- Rent, home values and ownership in Fulton County
- Jobs and commutes in Fulton County
- Towns and communities in Fulton County
- Counties near Fulton County
- Room for a loan payment in Fulton County
- Fulton County households compared
- What the numbers mean for Fulton County borrowers
- A Fulton County borrower's checklist
- Pennsylvania rules that apply in Fulton County
- More guides for Fulton County
- Frequently asked questions
Fulton County at a glance
The latest five-year Census estimate puts Fulton County's population at 14,531; only 63 of Pennsylvania's 67 county-level areas are larger. Spread over 438 square miles, that works out to roughly 33.2 residents per square mile. Under the July 2023 OMB definitions, Fulton County is not part of any metropolitan area. Of the 3 Census places inside Fulton County, McConnellsburg leads by population with about 1,009; 2 of the 3 are incorporated.
Paychecks and income spread in Fulton County
Fulton County households have a median income of $65,836 (ACS 2020 to 2024), which ranks 36th of 67 in Pennsylvania.
| Income band | Share in Fulton County | Difference from Pennsylvania |
|---|---|---|
| Under $35,000 | 25.7% | +3.7 pts |
| $35,000 to $99,999 | 42.6% | +3.4 pts |
| $100,000 to $199,999 | 27.0% | -0.1 pts |
| $200,000 or more | 4.7% | -7.1 pts |
The spread is wide: 32% of Fulton County households make $100,000 or more, and 26% make less than $35,000. 11.2% of residents fall below the federal poverty line (statewide: 11.7%). Income inequality, measured by the Gini index, comes to 0.438 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Fulton County median.
Rent, home values and ownership in Fulton County
Median gross rent, utilities included, comes to $809 in Fulton County versus $1,209 statewide. 37% of renting households spend 30% or more of income on rent, and 17% spend half or more. Home values center on $208,500, or 3.2 years of median income. Owners occupy 78% of homes. The median home was built in 1976, so roofs, wiring and heating systems are a common source of repair bills.
| Fulton County | Pennsylvania | U.S. county median | |
|---|---|---|---|
| Median gross rent | $809/mo | $1,209/mo | $877/mo |
| Median home value | $208,500 | $254,500 | $185,300 |
| Owners | 78% | 69% | 75% |
| Rent-burdened renters | 37% | 48% | 45% |
| Burdened owners | 21% | 24% | n/a |
| Vacant units | 11% | 9% | n/a |
In an owner-heavy county like Fulton 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.
Jobs and commutes in Fulton County
By the Census industry count, 21% of employed Fulton County residents work in education and health care and 20% in manufacturing. The sharpest difference from the state is in manufacturing, at 20% locally and 11% for Pennsylvania. Averaged over the five survey years, 2.9% of the labor force was out of work and looking. About 79% drive to work alone and 31% have trips of 45 minutes or more.
| Industry (employed residents 16+) | Fulton County | Gap to Pennsylvania |
|---|---|---|
| Education and health care | 21.3% | -5.4 pts |
| Manufacturing | 20.3% | +8.9 pts |
| Construction | 9.1% | +3.1 pts |
| Retail trade | 9.1% | -1.9 pts |
| Public administration | 7.8% | +3.8 pts |
| Transportation, warehousing and utilities | 7.7% | +1.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Towns and communities in Fulton County
3 Census places fall mainly inside Fulton County; the 3 biggest are below. They account for 1,205 residents, leaving about 92% of the county in unincorporated, unnamed areas. Live in one of these Fulton County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| McConnellsburg | borough | 1,009 | $36,875 | $755 | 7 mi |
| Needmore | CDP | 196 | $71,979 | $1,672 | 5 mi |
| Valley-Hi | borough | 0 | n/a | n/a | 9 mi |
A CDP is a named community without its own municipal government.
Counties near Fulton County
Bedford County is closest, 21 miles from center to center; the sixth, Huntingdon County, is 36 miles off. Berkeley County leads the group on income ($80,815), Bedford County trails ($59,992), and Fulton County out-earns 2 of the six. The list crosses into Maryland, West Virginia, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Fulton County | - | $65,836 | $809/mo | 78% |
| Bedford County, PA | 21 mi | $59,992 | $784/mo | 78% |
| Franklin County, PA | 21 mi | $77,003 | $1,093/mo | 74% |
| Morgan County, WV | 25 mi | $72,179 | $794/mo | 84% |
| Washington County, MD | 27 mi | $77,747 | $1,147/mo | 67% |
| Berkeley County, WV | 32 mi | $80,815 | $1,233/mo | 76% |
| Huntingdon County, PA | 36 mi | $65,557 | $810/mo | 79% |
Room for a loan payment in Fulton County
The debt-to-income ratio is the main affordability test lenders use. Applied to Fulton County's medians:
- $5,486 a month: gross income for a household at the Fulton County median
- Less median rent of $809, which is 15% of it
- Under a 36% cap, $1,975 total minus rent leaves $1,166
- At 43%, room after rent is $1,550 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Fulton County households compared
Degree holders: 18% of adults over 25. The uninsured rate is 5.1%, against 5.6% for Pennsylvania.
| People and households | Fulton County | Pennsylvania | Median county |
|---|---|---|---|
| Median age | 46.1 | 40.9 | 41.5 |
| Bachelor's or higher | 17.7% | 35.2% | 22.2% |
| No high school diploma | 10.7% | 7.9% | n/a |
| No health insurance | 5.1% | 5.6% | 7.8% |
| No vehicle | 5.3% | 10.4% | 5.4% |
| Work from home | 8.4% | 15.6% | 8.7% |
| Poverty rate | 11.2% | 11.7% | 13.2% |
| Unemployment (ACS) | 2.9% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 28.0% |
| 15 to 29 min | 23.0% |
| 30 to 44 min | 18.4% |
| 45 to 59 min | 16.1% |
| 60+ min | 14.5% |
What the numbers mean for Fulton County borrowers
Where the Fulton County numbers stand out, and why it matters for a loan:
- Vehicle repairs. 31% of Fulton County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- 15% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Retirees. At a median age of 46.1, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
A Fulton County borrower's checklist
Steps that save money for Fulton County residents:
- Price the Fulton County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Pennsylvania license before giving out your Social Security number.
- Ask a Fulton County credit union about member loans.
Pennsylvania rules that apply in Fulton County
Consumer lenders serving Fulton County are licensed by the state, not the county; in Pennsylvania that is the Pennsylvania Department of Banking and Securities. Federal complaints: consumerfinance.gov. The Pennsylvania guide covers state rules in more detail.
More guides for Fulton County
For statewide rules and data, see the Pennsylvania guide.
Frequently asked questions
How much do households in Fulton County earn?
The median is $65,836; 32% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Fulton County?
Median gross rent, utilities included, is $809 a month; 37% of renters spend 30% or more of income on it.
Does this page cover McConnellsburg?
Yes, along with the other 2 Census places in Fulton County, such as Needmore, Valley-Hi.
Will a Fulton County address affect my match?
Beyond confirming Pennsylvania as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Fulton County residents?
The Pennsylvania Department of Banking and Securities licenses consumer lenders in Pennsylvania; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.