1st Advantage MortgageGreene County households have a median income of $61,479 and median rent of $989 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Missouri license first.
On this page
- Greene County by the numbers
- Jobs and commutes in Greene County
- What Greene County households earn
- Rent, home values and ownership in Greene County
- Greene County towns compared
- Greene County and the counties next door
- Debt-to-income at Greene County's medians
- What the numbers mean for Greene County borrowers
- People and households in Greene County
- Who licenses lenders for Greene County residents
- Four steps for Greene County borrowers
- More guides for Greene County
- Frequently asked questions
Greene County by the numbers
With an estimated 303,375 residents (ACS 2020 to 2024), Greene County ranks 4th of 115 in Missouri for population. Packed into 675 square miles, that is close to 449 residents for every square mile of land. For statistical purposes it belongs to the Springfield, MO metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 8 places in the county (8 incorporated, 0 census-designated); the largest is Springfield, with about 169,954 residents, or 56% of the county.
Jobs and commutes in Greene County
By the Census industry count, 26% of employed Greene County residents work in education and health care and 14% in retail trade. Compared with Missouri, the county leans toward retail trade (14% against 11%). Averaged over the five survey years, 3.4% of the labor force was out of work and looking. Long commutes are the exception here: 5% of workers spend 45 minutes or longer getting to work.
| Sector | Greene County | Compared with Missouri |
|---|---|---|
| Education and health care | 25.5% | +1.2 pts |
| Retail trade | 13.8% | +2.5 pts |
| Professional and administrative services | 11.1% | +0.7 pts |
| Arts, lodging and food service | 9.9% | +1.8 pts |
| Manufacturing | 8.9% | -2.3 pts |
| Finance, insurance and real estate | 6.5% | -0.7 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 Greene County households earn
Greene County households have a median income of $61,479 (ACS 2020 to 2024), which ranks 51st of 115 in Missouri.
| Households earning | Greene County | +/- vs Missouri |
|---|---|---|
| Under $35,000 | 27.7% | +4.1 pts |
| $35,000 to $99,999 | 45.2% | +2.7 pts |
| $100,000 to $199,999 | 21.2% | -4.1 pts |
| $200,000 or more | 6.0% | -2.7 pts |
About 28% of households earn under $35,000, while 27% clear $100,000. The poverty rate is 13.6%, 1 point higher than the state's 12.6%. A household earning below the $61,479 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Rent, home values and ownership in Greene County
Renters in Greene County pay a median of $989 a month, 4% below the Missouri figure of $1,033. By the Census definition, 46% of Greene County renters are cost-burdened. The median owner-occupied home is valued at $221,300, about 3.6 times the median household income. 57% of Greene County households own their home and 43% rent.
| Cost | Greene County | Missouri figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $989/mo | $1,033/mo | $877/mo |
| Median home value | $221,300 | $230,300 | $185,300 |
| Owners | 57% | 68% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 22% | 22% | n/a |
| Mobile homes | 2.3% | 5.2% | n/a |
Greene County towns compared
8 Census places fall mainly inside Greene County; the 8 biggest are below. They account for 208,686 residents, leaving about 31% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $49,311 in Springfield to $94,542 in Battlefield. No Greene County place has a separate guide yet; this county page serves all 8.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Springfield | city | 169,954 | $49,311 | $964 | 5 mi |
| Republic | city | 19,829 | $65,729 | $1,123 | 7 mi |
| Willard | city | 6,488 | $84,600 | $984 | 5 mi |
| Battlefield | city | 6,165 | $94,542 | $1,042 | 10 mi |
| Strafford | city | 2,672 | $64,750 | $863 | 12 mi |
| Fair Grove | city | 1,717 | $74,514 | $927 | 13 mi |
| Ash Grove | city | 1,333 | $58,250 | $770 | 14 mi |
| Walnut Grove | city | 528 | $55,500 | $807 | 16 mi |
Greene County and the counties next door
Six nearby counties, 22 to 34 miles away by the straight-line distance between their centers. Christian County leads the group on income ($83,437), Dallas County trails ($53,464), and Greene County out-earns 4 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Greene County | - | $61,479 | $989/mo | 57% |
| Christian County, MO | 22 mi | $83,437 | $1,058/mo | 76% |
| Polk County, MO | 25 mi | $59,647 | $814/mo | 72% |
| Webster County, MO | 26 mi | $71,155 | $789/mo | 77% |
| Lawrence County, MO | 29 mi | $61,215 | $800/mo | 74% |
| Dade County, MO | 31 mi | $53,750 | $683/mo | 77% |
| Dallas County, MO | 34 mi | $53,464 | $642/mo | 76% |
Debt-to-income at Greene County's medians
How much room does a median Greene County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $5,123 gross per month ($61,479 / 12)
- Rent at the median, $989, takes 19% of that
- $1,060: what a 40% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
What the numbers mean for Greene County borrowers
Based on the Greene County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Greene County. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- 46% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
People and households in Greene County
Degree holders: 34% of adults over 25. 10.4% of residents have no health coverage.
| Residents | Greene County | Missouri | Middle U.S. county |
|---|---|---|---|
| Median age | 36.4 | 39.0 | 41.5 |
| Bachelor's or higher | 33.6% | 32.4% | 22.2% |
| No high school diploma | 6.0% | 8.1% | n/a |
| No health insurance | 10.4% | 8.8% | 7.8% |
| No vehicle | 6.4% | 6.6% | 5.4% |
| Work from home | 11.4% | 13.0% | 8.7% |
| Poverty rate | 13.6% | 12.6% | 13.2% |
| Unemployment (ACS) | 3.4% | 4.0% | 4.4% |
| One-way commute | Share of Greene County workers |
|---|---|
| Under 15 min | 32.3% |
| 15 to 29 min | 50.1% |
| 30 to 44 min | 12.3% |
| 45 to 59 min | 2.4% |
| 60+ min | 2.9% |
Who licenses lenders for Greene County residents
Licensing happens at the state level, so a lender working with Greene County borrowers answers to the Missouri Division of Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Missouri guide.
Four steps for Greene County borrowers
Before you apply, wherever you live in Greene County:
- Price the Greene County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Missouri.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Greene County
The Missouri guide covers the whole state.
Frequently asked questions
What does a typical Greene County household make?
About $61,479 a year at the median (ACS 2020-24), 13% below the Missouri median.
How does Greene County rent compare with Missouri?
$989 locally versus $1,033 for the state, 4% below.
I live in a small Greene County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Springfield, Republic, Willard, Battlefield, Strafford and 3 more.
Does living in Greene County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Greene County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Greene County?
Start with the Missouri Division of Finance, then the CFPB complaint portal. Keep copies of every message.