1st Advantage MortgageThe median Harrison County household earns $74,475, and 7% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Harrison County at a glance
- What Harrison County households earn
- Rent, home values and ownership in Harrison County
- Work, industries and travel time in Harrison County
- Harrison County towns compared
- The counties around Harrison County
- People and households in Harrison County
- Local borrowing considerations for Harrison County
- What a median Harrison County budget can carry
- Indiana rules that apply in Harrison County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Harrison County at a glance
The latest five-year Census estimate puts Harrison County's population at 39,859; only 37 of Indiana's 92 county-level areas are larger. It covers 484 square miles of land, or about 82 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Louisville/Jefferson County, KY-IN metropolitan area. Of the 10 Census places inside Harrison County, Corydon leads by population with about 3,157; 9 of the 10 are incorporated.
What Harrison County households earn
Harrison County households have a median income of $74,475 (ACS 2020 to 2024), which ranks 27th of 92 in Indiana.
| Band | Harrison County | Compared with Indiana |
|---|---|---|
| Under $35,000 | 19.0% | -3.6 pts |
| $35,000 to $99,999 | 45.9% | +2.5 pts |
| $100,000 to $199,999 | 30.7% | +4.9 pts |
| $200,000 or more | 4.4% | -3.8 pts |
Some 19% of households here live on less than $35,000 a year; 35% have six-figure incomes. Census counts 7.2% of Harrison County residents in poverty, against 12.3% across Indiana. For a borrower in Harrison County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Rent, home values and ownership in Harrison County
A typical Harrison County rental runs $836 a month including utilities, which is 21% below Indiana. 36% of renting households spend 30% or more of income on rent, and 14% spend half or more. Home values center on $229,600, or 3.1 years of median income. The ownership rate is 84%. Half the housing stock was built before 1990.
| Housing | Harrison County | Indiana statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $836/mo | $1,062/mo | $877/mo |
| Median home value | $229,600 | $218,200 | $185,300 |
| Owners | 84% | 71% | 75% |
| Rent-burdened renters | 36% | 48% | 45% |
| Burdened owners | 19% | 20% | 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).
Work, industries and travel time in Harrison County
The biggest employer of Harrison County residents, by industry, is education and health care at 25% of workers, followed by manufacturing (14%). Averaged over the five survey years, 3.5% of the labor force was out of work and looking. 27% of commuters travel 45 minutes or more each way, and 9% work from home. 4.0% of households have no vehicle.
| Top industries | Harrison County share | +/- vs Indiana |
|---|---|---|
| Education and health care | 25.0% | +1.6 pts |
| Manufacturing | 14.5% | -3.5 pts |
| Retail trade | 10.7% | 0.0 pts |
| Transportation, warehousing and utilities | 8.2% | +2.0 pts |
| Construction | 7.8% | +1.3 pts |
| Arts, lodging and food service | 7.2% | -0.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Harrison County towns compared
Here are the 10 most populous of the county's 10 Census places, with income and rent from the same 2020 to 2024 survey. About 16% of Harrison County residents live in one of the 10. Incomes vary by place: $84,345 at the median in Lanesville, $56,513 in Corydon. This guide covers each of the 10 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Corydon | town | 3,157 | $56,513 | $959 | 2 mi |
| Palmyra | town | 1,215 | $60,862 | $772 | 15 mi |
| Lanesville | town | 944 | $84,345 | $975 | 8 mi |
| New Salisbury | CDP | 499 | $52,768 | n/a | 9 mi |
| Crandall | town | 233 | $55,313 | $846 | 7 mi |
| Elizabeth | town | 168 | $95,417 | $1,125 | 8 mi |
| New Amsterdam | town | 92 | $111,087 | n/a | 11 mi |
| New Middletown | town | 55 | $66,250 | $950 | 3 mi |
| Mauckport | town | 49 | $77,500 | n/a | 12 mi |
| Laconia | town | 47 | $53,750 | n/a | 11 mi |
The counties around Harrison County
Nearest neighbors first, measured between county centers (14 to 29 miles). Bullitt County leads the group on income ($80,558), Crawford County trails ($49,640), and Harrison County out-earns 4 of the six. The list crosses into Kentucky, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Harrison County | - | $74,475 | $836/mo | 84% |
| Floyd County, IN | 14 mi | $79,704 | $1,036/mo | 73% |
| Meade County, KY | 16 mi | $74,355 | $1,026/mo | 74% |
| Crawford County, IN | 20 mi | $49,640 | $686/mo | 81% |
| Jefferson County, KY | 24 mi | $69,866 | $1,149/mo | 62% |
| Bullitt County, KY | 26 mi | $80,558 | $987/mo | 85% |
| Washington County, IN | 29 mi | $64,641 | $780/mo | 82% |
People and households in Harrison County
College graduates make up 22% of the adult population. 5.0% of residents have no health coverage.
| Residents | Harrison County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 43.0 | 38.1 | 41.5 |
| Bachelor's or higher | 21.7% | 29.5% | 22.2% |
| No high school diploma | 8.0% | 9.6% | n/a |
| No health insurance | 5.0% | 7.4% | 7.8% |
| No vehicle | 4.0% | 6.2% | 5.4% |
| Work from home | 9.1% | 10.7% | 8.7% |
| Poverty rate | 7.2% | 12.3% | 13.2% |
| Unemployment (ACS) | 3.5% | 4.3% | 4.4% |
| Commute length | Harrison County |
|---|---|
| Under 15 min | 21.2% |
| 15 to 29 min | 26.3% |
| 30 to 44 min | 25.8% |
| 45 to 59 min | 17.0% |
| 60+ min | 9.7% |
Local borrowing considerations for Harrison County
What the Harrison County figures suggest, and what to check first:
- Keeping the car running. At 27% with long commutes, repairs are a frequent Harrison County emergency; first decide if the car is worth fixing.
- 14% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Check your file. An error fixed before you apply can change the offers a Harrison County borrower sees (free reports).
What a median Harrison County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Harrison County's medians:
- Monthly gross at the median, Harrison County: $6,206
- Median rent: $836, or 13 cents of every gross dollar
- At 40%, room after rent is $1,646 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Harrison County's.
Indiana rules that apply in Harrison County
No county office licenses personal lenders. For Harrison County, check the Indiana Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Indiana guide.
Before you sign
Quick steps for Harrison County:
- Price the Harrison County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Ask a Harrison County credit union about member loans.
Nearby and statewide guides
The Indiana guide covers the whole state.
Frequently asked questions
Is Harrison County a high-income county?
Its $74,475 median ranks 27th of 92 Indiana counties and compares with $65,681 for the median U.S. county.
Is Harrison County expensive for renters?
Median rent is $836 against $1,062 statewide, and 36% of renter households are cost-burdened.
Which towns does the Harrison County guide cover?
Every community in the county, unincorporated areas included. The largest of its 10 Census places: Corydon, Palmyra, Lanesville, New Salisbury, Crandall.
Does living in Harrison 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 Harrison County resident as anyone. Lenders decide under fair-lending law.
Is there a Harrison County office that licenses lenders?
No, licensing is statewide. In Indiana it is the Indiana Department of Financial Institutions.