1st Advantage MortgageAbout 65% of Henderson County homes are owner-occupied, and the median household income is $58,851. 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
- Henderson County at a glance
- Household income in Henderson County
- Employment and commuting in Henderson County
- Henderson County housing compared with Kentucky
- Towns and communities in Henderson County
- Henderson County next to its neighbors
- Budget math at the Henderson County median
- More Henderson County figures
- What the numbers mean for Henderson County borrowers
- Checking a lender's license in Kentucky
- Checklist for Henderson County applicants
- Nearby and statewide guides
- Frequently asked questions
Henderson County at a glance
Henderson County is home to about 44,280 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 25th most populous of 120 county-level areas in Kentucky. Land area is 436 square miles (2024 Gazetteer), so density runs near 101 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 5 places in the county (3 incorporated, 2 census-designated); the largest is Henderson, with about 27,852 residents, or 63% of the county.
Household income in Henderson County
At $58,851, the typical Henderson County household income is 10% below the median U.S. county ($65,681).
| Household income | Henderson County | vs Kentucky |
|---|---|---|
| Under $35,000 | 28.9% | +0.9 pts |
| $35,000 to $99,999 | 45.5% | +3.6 pts |
| $100,000 to $199,999 | 21.1% | -1.8 pts |
| $200,000 or more | 4.5% | -2.7 pts |
The spread is wide: 26% of Henderson County households make $100,000 or more, and 29% make less than $35,000. 14.6% of residents fall below the federal poverty line (statewide: 16.1%). The Gini index of income inequality is 0.438 (0 is perfect equality). For a borrower in Henderson 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.
Employment and commuting in Henderson County
By the Census industry count, 22% of employed Henderson County residents work in education and health care and 18% in manufacturing. The sharpest difference from the state is in manufacturing, at 18% locally and 14% for Kentucky. Averaged over the five survey years, 2.5% of the labor force was out of work and looking. About 78% drive to work alone and 11% have trips of 45 minutes or more.
| Sector | Henderson County | Compared with Kentucky |
|---|---|---|
| Education and health care | 22.4% | -1.9 pts |
| Manufacturing | 18.1% | +3.8 pts |
| Retail trade | 12.3% | +0.8 pts |
| Construction | 7.9% | +1.6 pts |
| Arts, lodging and food service | 7.4% | -0.5 pts |
| Transportation, warehousing and utilities | 7.1% | +0.1 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Henderson County housing compared with Kentucky
A typical Henderson County rental runs $777 a month including utilities, which is 20% below Kentucky. 44% of renting households spend 30% or more of income on rent, and 18% spend half or more. With a median value of $171,900, a typical Henderson County house costs 2.9 times what the median household earns in a year. Owners occupy 65% of homes. Median construction year: 1976.
| Cost | Henderson County | Kentucky figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $777/mo | $967/mo | $877/mo |
| Median home value | $171,900 | $205,600 | $185,300 |
| Owners | 65% | 68% | 75% |
| Rent-burdened renters | 44% | 45% | 45% |
| Burdened owners | 26% | 23% | n/a |
| Vacant units | 8% | 10% | n/a |
Towns and communities in Henderson County
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 66% of Henderson County residents live in one of the 5. This guide covers each of the 5 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Henderson | city | 27,852 | $48,186 | $771 | 3 mi |
| Corydon | city | 741 | $56,304 | $732 | 8 mi |
| Robards | city | 483 | $80,250 | $778 | 8 mi |
| Spottsville | CDP | 194 | $59,866 | n/a | 9 mi |
| Anthoston | CDP | 144 | n/a | n/a | 4 mi |
Henderson County next to its neighbors
Distances run center to center, from Vanderburgh County at 16 miles out to Warrick County at 27. All of the six report a higher median household income than Henderson County; Warrick County is highest at $89,844 and Webster County lowest at $59,628. Some neighbors are in Indiana. Lender licensing is state by state, so a loan for a Henderson County resident follows Kentucky rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Henderson County | - | $58,851 | $777/mo | 65% |
| Vanderburgh County, IN | 16 mi | $61,648 | $985/mo | 65% |
| Webster County, KY | 20 mi | $59,628 | $783/mo | 74% |
| Union County, KY | 23 mi | $60,327 | $790/mo | 70% |
| Posey County, IN | 23 mi | $78,129 | $782/mo | 82% |
| McLean County, KY | 25 mi | $65,596 | $641/mo | 83% |
| Warrick County, IN | 27 mi | $89,844 | $1,061/mo | 82% |
Budget math at the Henderson County median
Henderson County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $4,904 before taxes
- Housing at the median rent of $777 uses 16%
- 35% debt-to-income limit: $939 left for all other debt payments
- 45% debt-to-income limit: $1,430 left for all other debt payments
Two-income households and single earners in Henderson County land in very different places on this math, so run it for your own budget.
More Henderson County figures
20% of Henderson County adults 25 and older hold a bachelor's degree or more. 4.7% of residents have no health coverage.
| Indicator | Henderson County | All of Kentucky | U.S. county median |
|---|---|---|---|
| Median age | 40.9 | 39.1 | 41.5 |
| Bachelor's or higher | 20.1% | 27.6% | 22.2% |
| No high school diploma | 10.3% | 11.1% | n/a |
| No health insurance | 4.7% | 6.0% | 7.8% |
| No vehicle | 7.0% | 6.8% | 5.4% |
| Work from home | 5.2% | 10.2% | 8.7% |
| Poverty rate | 14.6% | 16.1% | 13.2% |
| Unemployment (ACS) | 2.5% | 4.9% | 4.4% |
| Minutes to work | Henderson County workers |
|---|---|
| Under 15 min | 35.8% |
| 15 to 29 min | 34.8% |
| 30 to 44 min | 18.7% |
| 45 to 59 min | 6.6% |
| 60+ min | 4.2% |
What the numbers mean for Henderson County borrowers
The county's numbers point to a few situations that come up often for Henderson County borrowers.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Check your file. An error fixed before you apply can change the offers a Henderson County borrower sees (free reports).
Checking a lender's license in Kentucky
Licensing happens at the state level, so a lender working with Henderson County borrowers answers to the Kentucky Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Kentucky state guide for the statewide picture.
Checklist for Henderson County applicants
Quick steps for Henderson County:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Verify the Kentucky license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
The Kentucky guide covers the whole state.
Frequently asked questions
Is Henderson County a high-income county?
Its $58,851 median ranks 58th of 120 Kentucky counties and compares with $65,681 for the median U.S. county.
How much is rent in Henderson County?
Median gross rent, utilities included, is $777 a month; 44% of renters spend 30% or more of income on it.
What are the biggest places in Henderson County?
By population: Henderson, Corydon, Robards, Spottsville, Anthoston. The county has 5 Census places in all.
Is the fit check different in Henderson County?
No. It is identical everywhere, and it never looks at your neighborhood.
Is there a Henderson County office that licenses lenders?
No, licensing is statewide. In Kentucky it is the Kentucky Department of Financial Institutions.