1st Advantage MortgageIn Hinds County, Mississippi, the typical household earns $49,402 a year and the typical rent is $1,061. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Mississippi before sharing details.
On this page
- Hinds County, MS: the basics
- The Hinds County job picture
- Household income in Hinds County
- Hinds County housing compared with Mississippi
- The communities that make up Hinds County
- Regional comparison for Hinds County
- Debt-to-income at Hinds County's medians
- Hinds County households compared
- What the numbers mean for Hinds County borrowers
- Four steps for Hinds County borrowers
- Mississippi rules that apply in Hinds County
- Nearby and statewide guides
- Frequently asked questions
Hinds County, MS: the basics
Hinds County is home to about 218,533 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 1st most populous of 82 county-level areas in Mississippi. Packed into 870 square miles, that is close to 251 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Jackson, MS metropolitan area. The Census Bureau counts 9 places in the county (9 incorporated, 0 census-designated); the largest is Jackson, with about 146,631 residents, or 67% of the county.
The Hinds County job picture
Education and health care employs 28% of working residents, the largest share; retail trade is next with 11%. Public administration stands out: 7% of workers here, versus 5% statewide. The survey's unemployment rate for Hinds County averages 7.5% over 2020 to 2024 (state: 5.8%). About 76% drive to work alone and 7% have trips of 45 minutes or more.
| Where residents work | Hinds County | Difference from Mississippi |
|---|---|---|
| Education and health care | 27.6% | +2.2 pts |
| Retail trade | 11.4% | 0.0 pts |
| Arts, lodging and food service | 9.7% | +0.9 pts |
| Professional and administrative services | 9.1% | +1.6 pts |
| Manufacturing | 7.9% | -5.1 pts |
| Public administration | 7.3% | +2.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Household income in Hinds County
Half of Hinds County households take in less than $49,402 a year and half take in more, 12% below the Mississippi median of $56,447. Only 41 Mississippi counties post a higher median.
| Income band | Share in Hinds County | Difference from Mississippi |
|---|---|---|
| Under $35,000 | 36.5% | +4.0 pts |
| $35,000 to $99,999 | 42.5% | +1.3 pts |
| $100,000 to $199,999 | 16.5% | -4.0 pts |
| $200,000 or more | 4.5% | -1.3 pts |
Some 36% of households here live on less than $35,000 a year; 21% have six-figure incomes. The poverty rate is 22.7%, 4 points higher than the state's 18.9%. Income inequality, measured by the Gini index, comes to 0.489 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Hinds County housing compared with Mississippi
Median gross rent, utilities included, comes to $1,061 in Hinds County versus $954 statewide. Rent takes 30% or more of income for 58% of renter households here. Home values center on $159,900, or 3.2 years of median income. 58% of Hinds County households own their home and 42% rent.
| Housing | Hinds County | Mississippi statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,061/mo | $954/mo | $877/mo |
| Median home value | $159,900 | $169,800 | $185,300 |
| Owners | 58% | 70% | 75% |
| Rent-burdened renters | 58% | 51% | 45% |
| Burdened owners | 29% | 26% | n/a |
| Mobile homes | 4.0% | 14.4% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The communities that make up Hinds County
The table lists the 9 largest of 9 Census places in Hinds County, by population. Together all 9 hold about 192,306 people, so roughly 12% of residents live outside any named place. Incomes vary by place: $74,745 at the median in Clinton, $31,250 in Bolton. Median rent ranges from $661 in Bolton to $1,343 in Byram. Linked names have their own city guide; this page covers every other Hinds County community.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Jackson | city | 146,631 | $42,071 | $1,055 | 15 mi |
| Clinton | city | 27,195 | $74,745 | $1,118 | 9 mi |
| Byram | city | 12,799 | $70,445 | $1,343 | 12 mi |
| Raymond | city | 1,663 | $40,060 | $710 | 3 mi |
| Terry | town | 1,620 | $47,734 | $1,313 | 15 mi |
| Edwards | town | 930 | $34,722 | n/a | 9 mi |
| Utica | town | 799 | $35,729 | $842 | 14 mi |
| Bolton | town | 597 | $31,250 | $661 | 6 mi |
| Learned | town | 72 | $78,750 | n/a | 7 mi |
Regional comparison for Hinds County
Nearest neighbors first, measured between county centers (23 to 36 miles). Madison County leads the group on income ($83,441), Claiborne County trails ($31,897), and Hinds County out-earns 3 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Hinds County | - | $49,402 | $1,061/mo | 58% |
| Warren County, MS | 23 mi | $59,401 | $888/mo | 70% |
| Copiah County, MS | 28 mi | $49,089 | $766/mo | 74% |
| Rankin County, MS | 30 mi | $79,357 | $1,270/mo | 77% |
| Claiborne County, MS | 33 mi | $31,897 | $660/mo | 77% |
| Yazoo County, MS | 35 mi | $39,295 | $790/mo | 55% |
| Madison County, MS | 36 mi | $83,441 | $1,186/mo | 71% |
Debt-to-income at Hinds County's medians
How much room does a median Hinds County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $4,117 a month: gross income for a household at the Hinds County median
- Housing at the median rent of $1,061 uses 26%
- Under a 35% cap, $1,441 total minus rent leaves $380
- 45% debt-to-income limit: $792 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Hinds County households compared
31% of Hinds County adults 25 and older hold a bachelor's degree or more. About 13% go without health insurance.
| Residents | Hinds County | Mississippi | Middle U.S. county |
|---|---|---|---|
| Median age | 36.9 | 38.6 | 41.5 |
| Bachelor's or higher | 31.2% | 25.1% | 22.2% |
| No high school diploma | 11.3% | 12.9% | n/a |
| No health insurance | 12.9% | 11.0% | 7.8% |
| No vehicle | 8.1% | 6.3% | 5.4% |
| Work from home | 8.6% | 5.9% | 8.7% |
| Poverty rate | 22.7% | 18.9% | 13.2% |
| Unemployment (ACS) | 7.5% | 5.8% | 4.4% |
| Commute length | Hinds County |
|---|---|
| Under 15 min | 23.9% |
| 15 to 29 min | 47.6% |
| 30 to 44 min | 21.3% |
| 45 to 59 min | 4.4% |
| 60+ min | 2.8% |
What the numbers mean for Hinds County borrowers
The county's numbers point to a few situations that come up often for Hinds County borrowers.
- Hospital bills in Hinds County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Lower-cost alternatives. In a county with 23% in poverty, nonprofit credit counseling may beat a loan (options).
- Renters under pressure. When 58% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Four steps for Hinds County borrowers
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Mississippi rules that apply in Hinds County
Hinds County borrowers fall under statewide rules, enforced by the Mississippi Department of Banking and Consumer Finance. Problems with a lender can also go to the CFPB. More on Mississippi: Mississippi personal loans.
Nearby and statewide guides
City guides inside Hinds County, and the statewide guide:
Frequently asked questions
What does a typical Hinds County household make?
About $49,402 a year at the median (ACS 2020-24), 12% below the Mississippi median.
How much is rent in Hinds County?
Median gross rent, utilities included, is $1,061 a month; 58% of renters spend 30% or more of income on it.
Which towns does the Hinds County guide cover?
Every community in the county, unincorporated areas included. The largest of its 9 Census places: Jackson, Clinton, Byram, Raymond, Terry.
Can Hinds County residents use the questionnaire?
Yes. It asks the same questions in every Mississippi county, lists every requirement up front and does not affect your credit score.
Who regulates personal lenders for Hinds County residents?
The Mississippi Department of Banking and Consumer Finance licenses consumer lenders in Mississippi; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.