1st Advantage MortgageGadsden County households have a median income of $48,801 and median rent of $851 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
- Gadsden County at a glance
- Paychecks and income spread in Gadsden County
- Housing costs in Gadsden County
- Employment and commuting in Gadsden County
- Counties near Gadsden County
- The communities that make up Gadsden County
- People and households in Gadsden County
- Local borrowing considerations for Gadsden County
- Debt-to-income at Gadsden County's medians
- Lender oversight for Gadsden County
- A Gadsden County borrower's checklist
- Related local guides
- Frequently asked questions
Gadsden County at a glance
With an estimated 43,710 residents (ACS 2020 to 2024), Gadsden County ranks 45th of 67 in Florida for population. Packed into 516 square miles, that is close to 85 residents for every square mile of land. It is one of the counties that make up the Tallahassee, FL metropolitan statistical area (OMB, 2023). Of the 6 Census places inside Gadsden County, Quincy leads by population with about 7,942; 6 of the 6 are incorporated.
Paychecks and income spread in Gadsden County
Gadsden County households have a median income of $48,801 (ACS 2020 to 2024), which ranks 64th of 67 in Florida.
| Band | Gadsden County | Compared with Florida |
|---|---|---|
| Under $35,000 | 38.3% | +16.0 pts |
| $35,000 to $99,999 | 41.6% | +0.5 pts |
| $100,000 to $199,999 | 17.0% | -8.6 pts |
| $200,000 or more | 3.1% | -7.9 pts |
About 38% of households earn under $35,000, while 20% clear $100,000. 27.9% of residents fall below the federal poverty line (statewide: 12.6%). Income inequality, measured by the Gini index, comes to 0.463 here. None of these numbers decides a Gadsden County application. Lenders weigh your own documented income against your own debts.
Housing costs in Gadsden County
A typical Gadsden County rental runs $851 a month including utilities, which is 49% below Florida. Rent takes 30% or more of income for 53% of renter households here. With a median value of $174,900, a typical Gadsden County house costs 3.6 times what the median household earns in a year. Owners occupy 71% of homes. Half the housing stock was built before 1983.
| Cost | Gadsden County | Florida figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $851/mo | $1,669/mo | $877/mo |
| Median home value | $174,900 | $359,000 | $185,300 |
| Owners | 71% | 68% | 75% |
| Rent-burdened renters | 53% | 60% | 45% |
| Burdened owners | 32% | 35% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Employment and commuting in Gadsden County
By the Census industry count, 25% of employed Gadsden County residents work in education and health care and 15% in public administration. Compared with Florida, the county leans toward public administration (15% against 4%). Averaged over the five survey years, 5.0% of the labor force was out of work and looking. 21% of commuters travel 45 minutes or more each way, and 9% work from home.
| Sector | Gadsden County | Compared with Florida |
|---|---|---|
| Education and health care | 24.6% | +3.6 pts |
| Public administration | 14.8% | +10.6 pts |
| Retail trade | 9.2% | -2.8 pts |
| Construction | 8.6% | +0.4 pts |
| Transportation, warehousing and utilities | 7.5% | +1.2 pts |
| Arts, lodging and food service | 7.5% | -3.4 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.
Counties near Gadsden County
Nearest neighbors first, measured between county centers (21 to 37 miles). All of the six report a higher median household income than Gadsden County; Wakulla County is highest at $81,895 and Seminole County lowest at $49,495. The list crosses into Georgia, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Gadsden County | - | $48,801 | $851/mo | 71% |
| Decatur County, GA | 21 mi | $53,317 | $838/mo | 62% |
| Leon County, FL | 22 mi | $66,287 | $1,291/mo | 53% |
| Liberty County, FL | 27 mi | $58,671 | $943/mo | 80% |
| Seminole County, GA | 29 mi | $49,495 | $879/mo | 80% |
| Grady County, GA | 30 mi | $58,980 | $779/mo | 66% |
| Wakulla County, FL | 37 mi | $81,895 | $1,108/mo | 82% |
The communities that make up Gadsden County
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 43% of Gadsden County residents live in one of the 6. Among places of 500 or more people, median income runs from $32,125 in Quincy to $63,381 in Midway. Median rent ranges from $613 in Chattahoochee to $1,110 in Midway. No Gadsden County place has a separate guide yet; this county page serves all 6.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Quincy | city | 7,942 | $32,125 | $1,047 | 2 mi |
| Midway | city | 3,511 | $63,381 | $1,110 | 10 mi |
| Chattahoochee | city | 2,979 | $51,964 | $613 | 15 mi |
| Havana | town | 2,031 | $60,799 | $774 | 12 mi |
| Gretna | city | 1,342 | $35,903 | $651 | 6 mi |
| Greensboro | town | 949 | $47,885 | $735 | 7 mi |
People and households in Gadsden County
Degree holders: 21% of adults over 25. About 16% go without health insurance.
| People and households | Gadsden County | Florida | Median county |
|---|---|---|---|
| Median age | 42.4 | 42.6 | 41.5 |
| Bachelor's or higher | 21.3% | 34.1% | 22.2% |
| No high school diploma | 18.3% | 10.1% | n/a |
| No health insurance | 15.7% | 11.5% | 7.8% |
| No vehicle | 11.4% | 6.0% | 5.4% |
| Work from home | 9.0% | 15.7% | 8.7% |
| Poverty rate | 27.9% | 12.6% | 13.2% |
| Unemployment (ACS) | 5.0% | 4.8% | 4.4% |
| Minutes to work | Gadsden County workers |
|---|---|
| Under 15 min | 13.0% |
| 15 to 29 min | 31.0% |
| 30 to 44 min | 35.3% |
| 45 to 59 min | 16.1% |
| 60+ min | 4.6% |
Local borrowing considerations for Gadsden County
What the Gadsden County figures suggest, and what to check first:
- Hospital bills in Gadsden County. For the 16% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Keeping the car running. At 21% with long commutes, repairs are a frequent Gadsden County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 26% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Free help first. 28% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
Debt-to-income at Gadsden County's medians
Gadsden County at the medians, through a lender's eyes (what DTI means):
- $48,801 a year is $4,067 of gross monthly income
- Less median rent of $851, which is 21% of it
- At 36%, room after rent is $613 a month
- With a 43% ceiling, about $898 remains for car, card, student and any new loan payments
Two-income households and single earners in Gadsden County land in very different places on this math, so run it for your own budget.
Lender oversight for Gadsden County
Consumer lenders serving Gadsden County are licensed by the state, not the county; in Florida that is the Florida Office of Financial Regulation. Federal complaints: consumerfinance.gov. More on Florida: Florida personal loans.
A Gadsden County borrower's checklist
Steps that save money for Gadsden County residents:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in Florida.
- Ask a Gadsden County credit union about member loans.
Related local guides
The Florida guide covers the whole state.
Frequently asked questions
What does a typical Gadsden County household make?
About $48,801 a year at the median (ACS 2020-24), 35% below the Florida median.
Is Gadsden County expensive for renters?
Median rent is $851 against $1,669 statewide, and 53% of renter households are cost-burdened.
I live in a small Gadsden County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Quincy, Midway, Chattahoochee, Havana, Gretna and 1 more.
Are Gadsden 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 do I complain to about a lender in Gadsden County?
Start with the Florida Office of Financial Regulation, then the CFPB complaint portal. Keep copies of every message.