1st Advantage MortgageThe median Greenwood County household earns $60,042, and 14% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Kansas license first.
On this page
- Greenwood County, KS: the basics
- Greenwood County housing compared with Kansas
- How much Greenwood County households make
- Work, industries and travel time in Greenwood County
- Neighboring counties at a glance
- Cities, towns and CDPs in Greenwood County
- Who lives in Greenwood County, in numbers
- Borrowing situations common in Greenwood County
- What a median Greenwood County budget can carry
- A Greenwood County borrower's checklist
- Lender oversight for Greenwood County
- More guides for Greenwood County
- Frequently asked questions
Greenwood County, KS: the basics
Roughly 5,919 residents live in Greenwood County, Kansas, 57th by population among the state's 105 counties and county equivalents. Land area is 1,143 square miles (2024 Gazetteer), so density runs near 5 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 9 places in the county (7 incorporated, 2 census-designated); the largest is Eureka, with about 2,223 residents, or 38% of the county. With so few households sampled, Greenwood County estimates can move a lot between releases.
Greenwood County housing compared with Kansas
A typical Greenwood County rental runs $715 a month including utilities, which is 33% below Kansas. 41% of renting households spend 30% or more of income on rent, and 22% spend half or more. With a median value of $88,700, a typical Greenwood County house costs 1.5 times what the median household earns in a year. 80% of Greenwood County households own their home and 20% rent. Half the housing stock was built before 1956.
| Housing | Greenwood County | Kansas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $715/mo | $1,060/mo | $877/mo |
| Median home value | $88,700 | $217,200 | $185,300 |
| Owners | 80% | 67% | 75% |
| Rent-burdened renters | 41% | 43% | 45% |
| Burdened owners | 30% | 22% | n/a |
| Vacant units | 27% | 9% | 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).
How much Greenwood County households make
At $60,042, the typical Greenwood County household income is 9% below the median U.S. county ($65,681). In the state ranking that is 74th of 105.
| Households earning | Greenwood County | +/- vs Kansas |
|---|---|---|
| Under $35,000 | 27.7% | +6.0 pts |
| $35,000 to $99,999 | 49.6% | +7.4 pts |
| $100,000 to $199,999 | 18.0% | -8.4 pts |
| $200,000 or more | 4.7% | -4.9 pts |
The spread is wide: 23% of Greenwood County households make $100,000 or more, and 28% make less than $35,000. 13.9% of residents fall below the federal poverty line (statewide: 11.3%). The Gini index of income inequality is 0.497 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Greenwood County median.
Work, industries and travel time in Greenwood County
By the Census industry count, 23% of employed Greenwood County residents work in education and health care and 12% in agriculture, forestry and mining. Compared with Kansas, the county leans toward agriculture, forestry and mining (12% against 3%). The survey's unemployment rate for Greenwood County averages 3.4% over 2020 to 2024 (state: 3.9%). About 77% drive to work alone and 23% have trips of 45 minutes or more. Only 5.6% of homes here go without a vehicle.
| Industry (employed residents 16+) | Greenwood County | Gap to Kansas |
|---|---|---|
| Education and health care | 23.4% | -1.6 pts |
| Agriculture, forestry and mining | 12.3% | +9.2 pts |
| Manufacturing | 12.0% | -0.5 pts |
| Transportation, warehousing and utilities | 10.8% | +5.2 pts |
| Construction | 7.0% | +0.6 pts |
| Professional and administrative services | 6.8% | -3.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Neighboring counties at a glance
Woodson County is closest, 26 miles from center to center; the sixth, Coffey County, is 37 miles off. 4 of the six report a higher median household income than Greenwood County; Butler County is highest at $81,610 and Woodson County lowest at $50,326.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Greenwood County | - | $60,042 | $715/mo | 80% |
| Woodson County, KS | 26 mi | $50,326 | $618/mo | 85% |
| Elk County, KS | 29 mi | $64,609 | $552/mo | 79% |
| Butler County, KS | 33 mi | $81,610 | $956/mo | 78% |
| Chase County, KS | 35 mi | $56,484 | $825/mo | 73% |
| Wilson County, KS | 35 mi | $60,677 | $736/mo | 78% |
| Coffey County, KS | 37 mi | $70,346 | $836/mo | 76% |
Cities, towns and CDPs in Greenwood County
9 Census places fall mainly inside Greenwood County; the 9 biggest are below. They account for 3,752 residents, leaving about 37% of the county in unincorporated, unnamed areas. None of the 9 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Eureka | city | 2,223 | $48,828 | $703 | 4 mi |
| Madison | city | 925 | $52,500 | $582 | 18 mi |
| Severy | city | 175 | $29,946 | n/a | 18 mi |
| Hamilton | city | 158 | $35,625 | $694 | 8 mi |
| Fall River | city | 148 | $46,500 | $521 | 22 mi |
| Climax | city | 46 | $68,750 | n/a | 11 mi |
| Neal | CDP | 27 | n/a | n/a | 9 mi |
| Piedmont | CDP | 27 | n/a | n/a | 20 mi |
| Virgil | city | 23 | $38,750 | n/a | 14 mi |
Who lives in Greenwood County, in numbers
Degree holders: 22% of adults over 25. 9.0% of residents have no health coverage.
| Indicator | Greenwood County | All of Kansas | U.S. county median |
|---|---|---|---|
| Median age | 47.8 | 37.4 | 41.5 |
| Bachelor's or higher | 21.6% | 35.6% | 22.2% |
| No high school diploma | 6.9% | 8.0% | n/a |
| No health insurance | 9.0% | 8.8% | 7.8% |
| No vehicle | 5.6% | 5.1% | 5.4% |
| Work from home | 6.2% | 11.8% | 8.7% |
| Poverty rate | 13.9% | 11.3% | 13.2% |
| Unemployment (ACS) | 3.4% | 3.9% | 4.4% |
| Commute length | Greenwood County |
|---|---|
| Under 15 min | 45.6% |
| 15 to 29 min | 17.9% |
| 30 to 44 min | 13.6% |
| 45 to 59 min | 10.0% |
| 60+ min | 12.9% |
Borrowing situations common in Greenwood County
Based on the Greenwood County data above, these borrowing questions are most likely to matter locally.
- Vehicle repairs. 23% of Greenwood County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Fixed incomes. Greenwood County's median age is 47.8. Social Security and pensions count as income when documented.
- Advance-fee offers. No legitimate lender asks a Greenwood County borrower to pay first (scam signs).
What a median Greenwood County budget can carry
Greenwood County at the medians, through a lender's eyes (what DTI means):
- Start: $5,004 gross per month ($60,042 / 12)
- Rent at the median, $715, takes 14% of that
- At 36%, room after rent is $1,086 a month
- With a 43% ceiling, about $1,437 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Greenwood County's.
A Greenwood County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Greenwood County-area credit union.
- Check the license, then the reviews, then the offer.
- Never pay a fee up front to get a loan.
Lender oversight for Greenwood County
The Kansas Office of the State Bank Commissioner is the place to verify any lender's Kansas license. Problems with a lender can also go to the CFPB. More on Kansas: Kansas personal loans.
More guides for Greenwood County
For statewide rules and data, see the Kansas guide.
Frequently asked questions
Is Greenwood County a high-income county?
Its $60,042 median ranks 74th of 105 Kansas counties and compares with $65,681 for the median U.S. county.
Is Greenwood County expensive for renters?
Median rent is $715 against $1,060 statewide, and 41% of renter households are cost-burdened.
Should Greenwood County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Greenwood County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Greenwood County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Eureka, Madison, Severy, Hamilton, Fall River and 4 more.
Will a Greenwood County address affect my match?
Beyond confirming Kansas as your state, no. Your answers about amount, credit, income and payments are all that count.