1st Advantage MortgageHenry County (27,567 residents) has a $80,099 median household income and $849 median rent, by the latest Census five-year survey. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Ohio license first.
On this page
- Population and place: Henry County
- How Henry County residents earn a living
- What Henry County households earn
- Henry County at the extremes
- Where Henry County households live
- Napoleon and the rest of Henry County
- The counties around Henry County
- Borrowing situations common in Henry County
- People and households in Henry County
- $6,675 a month: the Henry County median budget
- Lender oversight for Henry County
- A Henry County borrower's checklist
- Nearby and statewide guides
- Frequently asked questions
Population and place: Henry County
Roughly 27,567 residents live in Henry County, Ohio, 77th by population among the state's 88 counties and county equivalents. Henry County spans 416 square miles; with 27,567 people, that is 66.3 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Napoleon (8,802 people) heads the county's list of 10 Census places, 9 incorporated and 1 census-designated.
How Henry County residents earn a living
The biggest employer of Henry County residents, by industry, is manufacturing at 25% of workers, followed by education and health care (21%). Manufacturing stands out: 25% of workers here, versus 15% statewide. ACS puts five-year average unemployment at 3.9% in Henry County. Commutes of 45 minutes-plus: 13%; under 15 minutes: 35%. 427 Henry County households, 3.7%, have no vehicle.
| Industry | Share of Henry County workers | vs Ohio |
|---|---|---|
| Manufacturing | 25.1% | +10.4 pts |
| Education and health care | 21.0% | -3.3 pts |
| Retail trade | 9.6% | -1.6 pts |
| Construction | 8.1% | +2.2 pts |
| Transportation, warehousing and utilities | 6.2% | +0.2 pts |
| Professional and administrative services | 5.2% | -5.1 pts |
Seasonal work is common in many Henry County industries; if that is you, show a full year of income rather than one strong month.
What Henry County households earn
Half of Henry County households take in less than $80,099 a year and half take in more, 12% above the Ohio median of $71,389. In the state ranking that is 14th of 88.
| Band | Henry County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 18.6% | -5.2 pts |
| $35,000 to $99,999 | 47.5% | +5.9 pts |
| $100,000 to $199,999 | 26.6% | +1.2 pts |
| $200,000 or more | 7.2% | -1.9 pts |
The spread is wide: 34% of Henry County households make $100,000 or more, and 19% make less than $35,000. 8.7% of residents fall below the federal poverty line (statewide: 13.3%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Henry County at the extremes
- On the share of renters paying 30% or more of income for rent, Henry County sits near the bottom of Ohio at 31%, 4th lowest of 88. Lower rent burdens mean more renters have slack, but test your own numbers.
- Homeownership: 83% in Henry County. Only 4 of 88 Ohio counties are higher. Most households here own, so home equity is often an alternative to weigh.
- On households without a vehicle, Henry County sits near the bottom of Ohio at 3.7%, 11th lowest of 88. Nearly every household has a vehicle, so repair costs are a common reason to borrow.
- On population, Henry County sits near the bottom of Ohio at 27,567, 12th lowest of 88. With few local branches, online lenders and statewide credit unions widen the choice.
Where Henry County households live
A typical Henry County rental runs $849 a month including utilities, which is 18% below Ohio. 31% of renting households spend 30% or more of income on rent, and 17% spend half or more. With a median value of $168,600, a typical Henry County house costs 2.1 times what the median household earns in a year. Homeowners 83%, renters 17%. Half the housing stock was built before 1964.
| Housing | Henry County | Ohio statewide | Henry County vs state |
|---|---|---|---|
| Owners | 83% | 67% | +15.3 pts |
| Rent-burdened renters | 31% | 46% | -14.6 pts |
| Burdened owners | 18% | 21% | -3.1 pts |
| Mobile homes | 6.1% | 3.4% | +2.6 pts |
| Median home value | $168,600 | $214,800 | 22% lower |
| Median gross rent | $849/mo | $1,034/mo | 18% lower |
With 83% of Henry County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Napoleon and the rest of Henry County
10 Census places fall mainly inside Henry County; the 10 biggest are below. They account for 14,799 residents, leaving about 46% of the county in unincorporated, unnamed areas. Incomes vary by place: $77,917 at the median in Liberty Center, $50,690 in Holgate. Rent is cheapest in Holgate ($684) and steepest in Liberty Center ($1,125). Napoleon and every other Henry County community use this county guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Napoleon | city | 8,802 | $76,639 | $819 | 5 mi |
| Deshler | village | 1,728 | $63,750 | $820 | 12 mi |
| Holgate | village | 1,012 | $50,690 | $684 | 6 mi |
| Liberty Center | village | 973 | $77,917 | $1,125 | 8 mi |
| McClure | village | 724 | $52,500 | $734 | 7 mi |
| Hamler | village | 630 | $62,917 | $853 | 7 mi |
| Malinta | village | 324 | $65,625 | $938 | 2 mi |
| Ridgeville Corners | CDP | 279 | $83,141 | n/a | 12 mi |
| Florida | village | 247 | $66,944 | $1,259 | 7 mi |
| New Bavaria | village | 80 | $96,458 | n/a | 10 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
The counties around Henry County
Fulton County is closest, 19 miles from center to center; the sixth, Hancock County, is 31 miles off. Richest neighbor: Putnam County, $84,928. Poorest: Paulding County, $67,731. Henry County: $80,099.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Henry County | - | $80,099 | $849/mo | 83% |
| Fulton County, OH | 19 mi | $72,864 | $863/mo | 80% |
| Putnam County, OH | 21 mi | $84,928 | $855/mo | 87% |
| Defiance County, OH | 22 mi | $73,064 | $846/mo | 79% |
| Wood County, OH | 23 mi | $74,216 | $972/mo | 64% |
| Paulding County, OH | 30 mi | $67,731 | $812/mo | 80% |
| Hancock County, OH | 31 mi | $73,141 | $979/mo | 71% |
Borrowing situations common in Henry County
Where the Henry County numbers stand out, and why it matters for a loan:
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Consolidating cards in Henry County. Compare the total repaid, not the monthly figure (how).
People and households in Henry County
Degree holders: 19% of adults over 25. About 5% go without health insurance.
| Henry County | vs Ohio | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 19.5% | -12.0 pts | -2.7 pts |
| Work from home | 5.8% | -7.2 pts | -2.9 pts |
| Poverty rate | 8.7% | -4.5 pts | -4.4 pts |
| No vehicle | 3.7% | -3.7 pts | -1.7 pts |
| Median age | 41.6 | +1.9 yrs | +0.1 yrs |
| No health insurance | 5.1% | -1.3 pts | -2.7 pts |
| No high school diploma | 6.9% | -1.2 pts | n/a |
| Unemployment (ACS) | 3.9% | -0.9 pts | -0.5 pts |
| Commute length | Henry County |
|---|---|
| Under 15 min | 34.7% |
| 15 to 29 min | 33.5% |
| 30 to 44 min | 19.4% |
| 45 to 59 min | 6.1% |
| 60+ min | 6.4% |
$6,675 a month: the Henry County median budget
Here is the Henry County median household run through a simple DTI check. Your numbers will differ.
- $80,099 a year is $6,675 of gross monthly income
- Median rent: $849, or 13 cents of every gross dollar
- $1,554: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $2,870 total minus rent leaves $2,021
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Henry County's.
Lender oversight for Henry County
The Ohio Division of Financial Institutions is the place to verify any lender's Ohio license. Nationally, Henry County residents can file with the CFPB.
A Henry County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Ohio.
- Ask a Henry County credit union about member loans.
Nearby and statewide guides
For statewide rules and data, see the Ohio guide.
Frequently asked questions
Where does Henry County rank on income in Ohio?
14th of 88, with a median of $80,099. The state median is $71,389.
How does Henry County rent compare with Ohio?
$849 locally versus $1,034 for the state, 18% below.
Is home equity cheaper than a personal loan in Henry County?
Often, because the home secures it. With 83% of Henry County homes owner-occupied, weigh that lower cost against the risk to the house.
I live near Napoleon. Which guide is mine?
This one. Napoleon and the rest of Henry County have no separate city guide.
Is the fit check different in Henry County?
No. It is identical everywhere, and it never looks at your neighborhood.