1st Advantage MortgageIn Gasconade County, Missouri, the typical household earns $64,232 a year and the typical rent is $743. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Missouri before sharing details.
On this page
- Getting oriented in Gasconade County
- How much Gasconade County households make
- The Gasconade County job picture
- What it costs to live in Gasconade County
- Towns and communities in Gasconade County
- How Gasconade County compares with nearby counties
- Room for a loan payment in Gasconade County
- Who lives in Gasconade County, in numbers
- Before borrowing in Gasconade County
- Lender oversight for Gasconade County
- Before you sign
- More guides for Gasconade County
- Frequently asked questions
Getting oriented in Gasconade County
Gasconade County is home to about 14,746 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 69th most populous of 115 county-level areas in Missouri. Spread over 519 square miles, that works out to roughly 28.4 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Owensville is the biggest of its 6 Census places, at roughly 2,806 people (19% of the county total).
How much Gasconade County households make
At $64,232, the typical Gasconade County household income is 2% below the median U.S. county ($65,681). That places it 36th among Missouri's 115 county-level areas.
| Income band | Share in Gasconade County | Difference from Missouri |
|---|---|---|
| Under $35,000 | 26.3% | +2.7 pts |
| $35,000 to $99,999 | 48.6% | +6.1 pts |
| $100,000 to $199,999 | 19.8% | -5.5 pts |
| $200,000 or more | 5.3% | -3.3 pts |
About 26% of households earn under $35,000, while 25% clear $100,000. The poverty rate is 12.6%, the same as the state's 12.6%. None of these numbers decides a Gasconade County application. Lenders weigh your own documented income against your own debts.
The Gasconade County job picture
The biggest employer of Gasconade County residents, by industry, is manufacturing at 23% of workers, followed by education and health care (19%). Manufacturing stands out: 23% of workers here, versus 11% statewide. ACS puts five-year average unemployment at 3.3% in Gasconade County. About 85% drive to work alone and 24% have trips of 45 minutes or more. Only 5.7% of homes here go without a vehicle.
| Top industries | Gasconade County share | +/- vs Missouri |
|---|---|---|
| Manufacturing | 22.7% | +11.4 pts |
| Education and health care | 18.7% | -5.6 pts |
| Retail trade | 13.1% | +1.8 pts |
| Construction | 10.5% | +3.7 pts |
| Arts, lodging and food service | 7.4% | -0.7 pts |
| Transportation, warehousing and utilities | 4.8% | -1.1 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What it costs to live in Gasconade County
Renters in Gasconade County pay a median of $743 a month, 28% below the Missouri figure of $1,033. By the Census definition, 42% of Gasconade County renters are cost-burdened. The median owner-occupied home is valued at $179,900, about 2.8 times the median household income. The ownership rate is 81%.
| Measure | Gasconade County | Missouri | Median U.S. county |
|---|---|---|---|
| Median gross rent | $743/mo | $1,033/mo | $877/mo |
| Median home value | $179,900 | $230,300 | $185,300 |
| Owners | 81% | 68% | 75% |
| Rent-burdened renters | 42% | 46% | 45% |
| Burdened owners | 22% | 22% | n/a |
| Mobile homes | 9.6% | 5.2% | 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).
Towns and communities in Gasconade County
6 Census places fall mainly inside Gasconade County; the 6 biggest are below. They account for 6,364 residents, leaving about 57% of the county in unincorporated, unnamed areas. No Gasconade 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 |
|---|---|---|---|---|---|
| Owensville | city | 2,806 | $49,149 | $676 | 6 mi |
| Hermann | city | 2,290 | $61,979 | $721 | 18 mi |
| Bland | city | 476 | $34,423 | $679 | 12 mi |
| Rosebud | city | 442 | $50,625 | $500 | 7 mi |
| Gasconade | city | 306 | $43,750 | n/a | 16 mi |
| Morrison | city | 44 | $58,750 | n/a | 17 mi |
How Gasconade County compares with nearby counties
Osage County is closest, 19 miles from center to center; the sixth, Crawford County, is 34 miles off. Warren County leads the group on income ($81,209), Crawford County trails ($57,629), and Gasconade County out-earns 2 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Gasconade County | - | $64,232 | $743/mo | 81% |
| Osage County, MO | 19 mi | $76,681 | $639/mo | 79% |
| Franklin County, MO | 24 mi | $73,165 | $893/mo | 77% |
| Warren County, MO | 29 mi | $81,209 | $995/mo | 80% |
| Maries County, MO | 30 mi | $59,455 | $590/mo | 78% |
| Montgomery County, MO | 34 mi | $65,500 | $788/mo | 73% |
| Crawford County, MO | 34 mi | $57,629 | $795/mo | 69% |
Room for a loan payment in Gasconade County
How much room does a median Gasconade County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Gasconade County: $5,353
- Median rent: $743, or 14 cents of every gross dollar
- Under a 43% cap, $2,302 total minus rent leaves $1,559
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Who lives in Gasconade County, in numbers
18% of Gasconade County adults 25 and older hold a bachelor's degree or more. 5.8% of residents have no health coverage.
| Gasconade County | Missouri | U.S. county median | |
|---|---|---|---|
| Median age | 46.8 | 39.0 | 41.5 |
| Bachelor's or higher | 18.1% | 32.4% | 22.2% |
| No high school diploma | 9.0% | 8.1% | n/a |
| No health insurance | 5.8% | 8.8% | 7.8% |
| No vehicle | 5.7% | 6.6% | 5.4% |
| Work from home | 5.2% | 13.0% | 8.7% |
| Poverty rate | 12.6% | 12.6% | 13.2% |
| Unemployment (ACS) | 3.3% | 4.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 40.9% |
| 15 to 29 min | 21.2% |
| 30 to 44 min | 13.9% |
| 45 to 59 min | 8.3% |
| 60+ min | 15.7% |
Before borrowing in Gasconade County
Where the Gasconade County numbers stand out, and why it matters for a loan:
- Long drives. With 24% of commutes over 45 minutes, tires and repairs are fixed costs in many Gasconade County budgets.
- Retirees. At a median age of 46.8, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Consolidating cards in Gasconade County. Compare the total repaid, not the monthly figure (how).
Lender oversight for Gasconade County
The Missouri Division of Finance is the place to verify any lender's Missouri license. A CFPB complaint gets forwarded to the company for a response. See the Missouri state guide for the statewide picture.
Before you sign
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Missouri license before giving out your Social Security number.
- Never pay a fee up front to get a loan.
More guides for Gasconade County
The Missouri guide covers the whole state.
Frequently asked questions
Is Gasconade County a high-income county?
Its $64,232 median ranks 36th of 115 Missouri counties and compares with $65,681 for the median U.S. county.
How does Gasconade County rent compare with Missouri?
$743 locally versus $1,033 for the state, 28% below.
Should Gasconade County homeowners use home equity instead?
Maybe, but weigh the risk: 81% of Gasconade County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Gasconade County guide cover?
Every community in the county, unincorporated areas included. The largest of its 6 Census places: Owensville, Hermann, Bland, Rosebud, Gasconade.
Can Gasconade County residents use the questionnaire?
Yes. It asks the same questions in every Missouri county, lists every requirement up front and does not affect your credit score.