1st Advantage MortgageIn Holmes County, Ohio, the typical household earns $76,140 a year and the typical rent is $816. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Ohio before sharing details.
On this page
- A quick profile of Holmes County
- Household income in Holmes County
- Jobs and commutes in Holmes County
- What it costs to live in Holmes County
- The communities that make up Holmes County
- The counties around Holmes County
- Budget math at the Holmes County median
- More Holmes County figures
- Borrowing situations common in Holmes County
- Before you sign
- Ohio rules that apply in Holmes County
- Related local guides
- Frequently asked questions
A quick profile of Holmes County
With an estimated 44,418 residents (ACS 2020 to 2024), Holmes County ranks 54th of 88 in Ohio for population. Land area is 423 square miles (2024 Gazetteer), so density runs near 105 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Millersburg is the biggest of its 10 Census places, at roughly 3,206 people (7% of the county total).
Household income in Holmes County
Holmes County households have a median income of $76,140 (ACS 2020 to 2024), which ranks 18th of 88 in Ohio.
| Band | Holmes County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 17.7% | -6.1 pts |
| $35,000 to $99,999 | 44.4% | +2.8 pts |
| $100,000 to $199,999 | 28.7% | +3.2 pts |
| $200,000 or more | 9.2% | +0.1 pts |
The spread is wide: 38% of Holmes County households make $100,000 or more, and 18% make less than $35,000. Census counts 9.3% of Holmes County residents in poverty, against 13.3% across Ohio. The Gini index of income inequality is 0.430 (0 is perfect equality). For a borrower in Holmes 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.
Jobs and commutes in Holmes County
By the Census industry count, 30% of employed Holmes County residents work in manufacturing and 12% in construction. The sharpest difference from the state is in manufacturing, at 30% locally and 15% for Ohio. The survey's unemployment rate for Holmes County averages 2.2% over 2020 to 2024 (state: 4.8%). 10% of commuters travel 45 minutes or more each way, and 8% work from home.
| Industry (employed residents 16+) | Holmes County | Gap to Ohio |
|---|---|---|
| Manufacturing | 30.5% | +15.8 pts |
| Construction | 12.2% | +6.3 pts |
| Retail trade | 11.5% | +0.4 pts |
| Education and health care | 11.0% | -13.3 pts |
| Arts, lodging and food service | 6.2% | -2.1 pts |
| Agriculture, forestry and mining | 5.7% | +4.8 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What it costs to live in Holmes County
A typical Holmes County rental runs $816 a month including utilities, which is 21% below Ohio. 35% of renting households spend 30% or more of income on rent, and 19% spend half or more. With a median value of $267,700, a typical Holmes County house costs 3.5 times what the median household earns in a year. The ownership rate is 79%. Median construction year: 1986.
| Cost | Holmes County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $816/mo | $1,034/mo | $877/mo |
| Median home value | $267,700 | $214,800 | $185,300 |
| Owners | 79% | 67% | 75% |
| Rent-burdened renters | 35% | 46% | 45% |
| Burdened owners | 32% | 21% | 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).
The communities that make up Holmes County
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 19% of Holmes County residents live in one of the 10. Incomes vary by place: $101,648 at the median in Lake Buckhorn, $43,007 in Millersburg. Rent is cheapest in Berlin ($732) and steepest in Killbuck ($1,268). Live in one of these Holmes County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Millersburg | village | 3,206 | $43,007 | $791 | 1 mi |
| Berlin | CDP | 1,232 | $82,589 | $732 | 7 mi |
| Killbuck | village | 1,102 | $78,125 | $1,268 | 6 mi |
| Walnut Creek | CDP | 1,053 | $80,724 | $1,234 | 11 mi |
| Lake Buckhorn | CDP | 728 | $101,648 | n/a | 7 mi |
| Nashville | village | 445 | $50,417 | $975 | 10 mi |
| Glenmont | village | 245 | $56,250 | $700 | 9 mi |
| Holmesville | village | 244 | $78,929 | $810 | 4 mi |
| Winesburg | CDP | 133 | n/a | n/a | 13 mi |
| Mount Hope | CDP | 131 | $51,719 | n/a | 9 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Holmes County
Distances run center to center, from Wayne County at 18 miles out to Stark County at 34. None of the six report a higher median household income than Holmes County; Knox County is highest at $73,878 and Coshocton County lowest at $55,577.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Holmes County | - | $76,140 | $816/mo | 79% |
| Wayne County, OH | 18 mi | $73,574 | $881/mo | 77% |
| Coshocton County, OH | 19 mi | $55,577 | $765/mo | 73% |
| Tuscarawas County, OH | 25 mi | $65,044 | $908/mo | 69% |
| Ashland County, OH | 26 mi | $69,860 | $888/mo | 78% |
| Knox County, OH | 28 mi | $73,878 | $950/mo | 76% |
| Stark County, OH | 34 mi | $67,934 | $909/mo | 69% |
Budget math at the Holmes County median
How much room does a median Holmes County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $76,140 a year is $6,345 of gross monthly income
- Rent at the median, $816, takes 13% of that
- $1,912: what a 43% ratio leaves once rent is paid
If your rent is above $816, the room shrinks dollar for dollar.
More Holmes County figures
11% of Holmes County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 41.5%, against 6.4% for Ohio.
| Holmes County | Ohio | U.S. county median | |
|---|---|---|---|
| Median age | 32.7 | 39.7 | 41.5 |
| Bachelor's or higher | 11.1% | 31.5% | 22.2% |
| No high school diploma | 41.2% | 8.2% | n/a |
| No health insurance | 41.5% | 6.4% | 7.8% |
| No vehicle | 30.9% | 7.5% | 5.4% |
| Work from home | 8.0% | 13.0% | 8.7% |
| Poverty rate | 9.3% | 13.3% | 13.2% |
| Unemployment (ACS) | 2.2% | 4.8% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 38.3% |
| 15 to 29 min | 37.0% |
| 30 to 44 min | 14.3% |
| 45 to 59 min | 4.6% |
| 60+ min | 5.8% |
Borrowing situations common in Holmes County
Where the Holmes County numbers stand out, and why it matters for a loan:
- Uninsured care. 41% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Consolidating cards in Holmes County. Compare the total repaid, not the monthly figure (how).
Before you sign
A short checklist for Holmes County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- A Ohio license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Ohio rules that apply in Holmes County
Holmes County borrowers fall under statewide rules, enforced by the Ohio Division of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Ohio: Ohio personal loans.
Related local guides
The Ohio guide covers the whole state.
Frequently asked questions
What is the median household income in Holmes County?
$76,140 a year in the 2020 to 2024 Census survey, versus $71,389 for Ohio. It ranks 18th of 88 in the state.
How much is rent in Holmes County?
Median gross rent, utilities included, is $816 a month; 35% of renters spend 30% or more of income on it.
Should Holmes County homeowners use home equity instead?
Maybe, but weigh the risk: 79% of Holmes County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Holmes County guide cover?
Every community in the county, unincorporated areas included. The largest of its 10 Census places: Millersburg, Berlin, Killbuck, Walnut Creek, Lake Buckhorn.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Holmes County or elsewhere in Ohio, the same rules apply.