1st Advantage MortgageAbout 75% of Henry County homes are owner-occupied, and the median household income is $57,926. 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
- Who lives in Henry County
- What it costs to live in Henry County
- What Henry County households earn
- How Henry County residents earn a living
- The communities that make up Henry County
- Henry County and the counties next door
- Room for a loan payment in Henry County
- People and households in Henry County
- Reading the Henry County data as a borrower
- Steps before you apply in Henry County
- Licensing and complaints for Henry County
- Related local guides
- Frequently asked questions
Who lives in Henry County
Roughly 22,328 residents live in Henry County, Missouri, 51st by population among the state's 115 counties and county equivalents. Spread over 697 square miles, that works out to roughly 32.0 residents per square mile. No metropolitan area includes Henry County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 11 places in the county (10 incorporated, 1 census-designated); the largest is Clinton, with about 9,065 residents, or 41% of the county.
What it costs to live in Henry County
A typical Henry County rental runs $768 a month including utilities, which is 26% below Missouri. Rent takes 30% or more of income for 53% of renter households here. Home values center on $160,600, or 2.8 years of median income. The ownership rate is 75%. Half the housing stock was built before 1978.
| Home costs | Henry County | Missouri | U.S. middle county |
|---|---|---|---|
| Median gross rent | $768/mo | $1,033/mo | $877/mo |
| Median home value | $160,600 | $230,300 | $185,300 |
| Owners | 75% | 68% | 75% |
| Rent-burdened renters | 53% | 46% | 45% |
| Burdened owners | 21% | 22% | n/a |
| Mobile homes | 10.0% | 5.2% | n/a |
| Vacant units | 14% | 11% | n/a |
Because most Henry County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
What Henry County households earn
At $57,926, the typical Henry County household income is 12% below the median U.S. county ($65,681). In the state ranking that is 68th of 115.
| Households earning | Henry County | +/- vs Missouri |
|---|---|---|
| Under $35,000 | 30.2% | +6.6 pts |
| $35,000 to $99,999 | 47.2% | +4.8 pts |
| $100,000 to $199,999 | 19.3% | -5.9 pts |
| $200,000 or more | 3.2% | -5.4 pts |
About 30% of households earn under $35,000, while 23% clear $100,000. The poverty rate is 14.3%, 2 points higher than the state's 12.6%. Income inequality, measured by the Gini index, comes to 0.441 here. None of these numbers decides a Henry County application. Lenders weigh your own documented income against your own debts.
How Henry County residents earn a living
By the Census industry count, 27% of employed Henry County residents work in education and health care and 14% in retail trade. Compared with Missouri, the county leans toward construction (12% against 7%). ACS puts five-year average unemployment at 4.4% in Henry County. Long commutes are the exception here: 13% of workers spend 45 minutes or longer getting to work. Only 4.9% of homes here go without a vehicle.
| Top industries | Henry County share | +/- vs Missouri |
|---|---|---|
| Education and health care | 27.1% | +2.8 pts |
| Retail trade | 14.2% | +2.9 pts |
| Construction | 11.6% | +4.8 pts |
| Manufacturing | 9.4% | -1.9 pts |
| Arts, lodging and food service | 6.5% | -1.6 pts |
| Transportation, warehousing and utilities | 6.0% | +0.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Henry County should have bank statements and tax returns ready.
The communities that make up Henry County
The table lists the 11 largest of 11 Census places in Henry County, by population. Together all 11 hold about 13,954 people, so roughly 38% of residents live outside any named place. No Henry County place has a separate guide yet; this county page serves all 11.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Clinton | city | 9,065 | $51,250 | $702 | 2 mi |
| Windsor | city | 3,094 | $49,783 | $912 | 18 mi |
| Urich | city | 469 | $61,042 | $685 | 12 mi |
| Montrose | city | 425 | $61,375 | $905 | 14 mi |
| Calhoun | city | 374 | $37,321 | $546 | 11 mi |
| Deepwater | city | 320 | $29,722 | $686 | 9 mi |
| Blairstown | city | 65 | $55,000 | n/a | 15 mi |
| Brownington | town | 58 | n/a | n/a | 11 mi |
| Tightwad | village | 53 | $100,096 | n/a | 15 mi |
| La Due | village | 31 | $58,214 | n/a | 7 mi |
| Hartwell | CDP | 0 | n/a | n/a | 8 mi |
Henry County and the counties next door
Nearest neighbors first, measured between county centers (24 to 36 miles). Income ranges from $52,567 in Benton County to $87,535 in Cass County; 4 of these neighbors top Henry County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Henry County | - | $57,926 | $768/mo | 75% |
| St. Clair County, MO | 24 mi | $53,043 | $622/mo | 76% |
| Johnson County, MO | 25 mi | $67,272 | $932/mo | 64% |
| Benton County, MO | 28 mi | $52,567 | $773/mo | 84% |
| Bates County, MO | 31 mi | $60,733 | $786/mo | 75% |
| Cass County, MO | 35 mi | $87,535 | $1,205/mo | 76% |
| Pettis County, MO | 36 mi | $60,430 | $885/mo | 69% |
Room for a loan payment in Henry County
Henry County at the medians, through a lender's eyes (what DTI means):
- $4,827 a month: gross income for a household at the Henry County median
- Rent at the median, $768, takes 16% of that
- $970: what a 36% ratio leaves once rent is paid
- At 43%, room after rent is $1,308 a month
If your rent is above $768, the room shrinks dollar for dollar.
People and households in Henry County
16% of Henry County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 9.5%, against 8.8% for Missouri.
| People and households | Henry County | Missouri | Median county |
|---|---|---|---|
| Median age | 43.7 | 39.0 | 41.5 |
| Bachelor's or higher | 16.3% | 32.4% | 22.2% |
| No high school diploma | 9.9% | 8.1% | n/a |
| No health insurance | 9.5% | 8.8% | 7.8% |
| No vehicle | 4.9% | 6.6% | 5.4% |
| Work from home | 7.6% | 13.0% | 8.7% |
| Poverty rate | 14.3% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.4% | 4.0% | 4.4% |
| Minutes to work | Henry County workers |
|---|---|
| Under 15 min | 49.5% |
| 15 to 29 min | 21.1% |
| 30 to 44 min | 16.6% |
| 45 to 59 min | 4.1% |
| 60+ min | 8.7% |
Reading the Henry County data as a borrower
What the Henry County figures suggest, and what to check first:
- 53% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Consolidating cards in Henry County. Compare the total repaid, not the monthly figure (how).
Steps before you apply in Henry County
Steps that save money for Henry County residents:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Ask a Henry County credit union about member loans.
Licensing and complaints for Henry County
The Missouri Division of Finance is the place to verify any lender's Missouri license. The Consumer Financial Protection Bureau accepts complaints nationwide. The Missouri guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Missouri guide.
Frequently asked questions
How much do households in Henry County earn?
The median is $57,926; 23% earn $100,000 or more and 30% under $35,000. A lender uses your own documented income, not this figure.
How does Henry County rent compare with Missouri?
$768 locally versus $1,033 for the state, 26% below.
Does this page cover Clinton?
Yes, along with the other 10 Census places in Henry County, such as Windsor, Urich, Montrose.
Can Henry 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.
Is there a Henry County office that licenses lenders?
No, licensing is statewide. In Missouri it is the Missouri Division of Finance.