1st Advantage MortgageItawamba County (24,036 residents) has a $55,546 median household income and $811 median rent, by the latest Census five-year survey. 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
- Itawamba County by the numbers
- Jobs and commutes in Itawamba County
- The $55,546 median and what sits around it
- Renting and owning in Itawamba County
- How Itawamba County ranks in Mississippi
- Nearby counties: income, rent, ownership
- The communities that make up Itawamba County
- Local borrowing considerations for Itawamba County
- Debt-to-income, Itawamba County edition
- More Itawamba County figures
- Lender oversight for Itawamba County
- Before you sign
- Keep exploring
- Frequently asked questions
Itawamba County by the numbers
Roughly 24,036 residents live in Itawamba County, Mississippi, 40th by population among the state's 82 counties and county equivalents. Its 533 square miles average 45 people per square mile, by the 2024 Census Gazetteer. Metro status: none; Itawamba County sits outside the 2023 OMB metro areas. Of the 4 Census places inside Itawamba County, Fulton leads by population with about 4,576; 3 of the 4 are incorporated.
Jobs and commutes in Itawamba County
By the Census industry count, 22% of employed Itawamba County residents work in manufacturing and 21% in education and health care. Itawamba County over-indexes on manufacturing: 22% versus 13% in Mississippi. ACS puts five-year average unemployment at 5.1% in Itawamba County. Commutes of 45 minutes-plus: 13%; under 15 minutes: 24%. No car: 4.2% of Itawamba County households.
| Top industries | Itawamba County share | +/- vs Mississippi |
|---|---|---|
| Manufacturing | 22.3% | +9.4 pts |
| Education and health care | 21.0% | -4.4 pts |
| Retail trade | 11.9% | +0.5 pts |
| Transportation, warehousing and utilities | 9.9% | +2.5 pts |
| Construction | 8.4% | +1.6 pts |
| Professional and administrative services | 6.6% | -1.0 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
The $55,546 median and what sits around it
The median household income in Itawamba County is $55,546; statewide it is $56,447, so Itawamba County runs 2% below Mississippi as a whole.
| Household income | Itawamba County | vs Mississippi |
|---|---|---|
| Under $35,000 | 31.6% | -0.9 pts |
| $35,000 to $99,999 | 41.3% | 0.0 pts |
| $100,000 to $199,999 | 22.3% | +1.8 pts |
| $200,000 or more | 4.8% | -0.9 pts |
Some 32% of households here live on less than $35,000 a year; 27% have six-figure incomes. 15.5% of residents fall below the federal poverty line (statewide: 18.9%). Itawamba County scores 0.521 on the Gini index, where higher means more unequal incomes. A household earning below the $55,546 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Renting and owning in Itawamba County
Median gross rent, utilities included, comes to $811 in Itawamba County versus $954 statewide. Cost-burdened renters, paying 30%-plus of income: 36% in Itawamba County, 51% statewide. Median value $142,400; median income $55,546; ratio 2.6. Homeowners 79%, renters 21%.
| Cost | Itawamba County | Mississippi figure | Higher or lower |
|---|---|---|---|
| Median gross rent | $811/mo | $954/mo | 15% lower |
| Median home value | $142,400 | $169,800 | 16% lower |
| Owners | 79% | 70% | +9.0 pts |
| Rent-burdened renters | 36% | 51% | -15.0 pts |
| Burdened owners | 22% | 26% | -4.4 pts |
| Mobile homes | 19.5% | 14.4% | +5.1 pts |
| Vacant units | 9% | 15% | -5.9 pts |
Because most Itawamba 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.
How Itawamba County ranks in Mississippi
Ranked against the other 81 county-level areas in Mississippi, these are the Itawamba County figures furthest from the middle.
- The housing vacancy rate: 9% in Itawamba County. Only 5 of 82 Mississippi counties are lower. Low vacancy tends to push rents up over time.
- Itawamba County ranks 9th lowest of 82 Mississippi counties for the uninsured rate: 9.0%, against 11.0% statewide. Lower uninsured rates still leave deductibles; check what a plan covers first.
- Itawamba County ranks 9th lowest of 82 Mississippi counties for the poverty rate: 15.5%, against 18.9% statewide. Even here, a fee-first loan offer is a scam.
Nearby counties: income, rent, ownership
Distances run center to center, from Lee County at 18 miles out to Tishomingo County at 32. Lee County leads the group on income ($67,863), Prentiss County trails ($49,724), and Itawamba County out-earns 5 of the six. Some neighbors are in Alabama. Lender licensing is state by state, so a loan for a Itawamba County resident follows Mississippi rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Itawamba County | - | $55,546 | $811/mo | 79% |
| Lee County, MS | 18 mi | $67,863 | $957/mo | 71% |
| Prentiss County, MS | 25 mi | $49,724 | $637/mo | 78% |
| Monroe County, MS | 28 mi | $51,866 | $768/mo | 76% |
| Marion County, AL | 29 mi | $50,088 | $630/mo | 77% |
| Franklin County, AL | 32 mi | $53,338 | $676/mo | 72% |
| Tishomingo County, MS | 32 mi | $53,040 | $682/mo | 80% |
The communities that make up Itawamba County
Places, by size: the top 4 of 4. Roughly 70% of Itawamba County lives outside all of them, in open country or unnamed settlements. Live in one of these Itawamba County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Fulton | city | 4,576 | $52,727 | $679 | 3 mi |
| Mantachie | town | 1,950 | $65,568 | $873 | 8 mi |
| Kirkville | CDP | 356 | $48,899 | n/a | 13 mi |
| Tremont | town | 349 | $35,662 | $920 | 7 mi |
Local borrowing considerations for Itawamba County
The county's numbers point to a few situations that come up often for Itawamba County borrowers.
- Repairs on manufactured housing. With 19% of homes here, compare a personal loan with any dealer or park repair program.
- Advance-fee offers. No legitimate lender asks a Itawamba County borrower to pay first (scam signs).
- Consolidating cards in Itawamba County. Compare the total repaid, not the monthly figure (how).
Debt-to-income, Itawamba County edition
The debt-to-income ratio is the main affordability test lenders use. Applied to Itawamba County's medians:
- Monthly gross at the median, Itawamba County: $4,629
- Less median rent of $811, which is 18% of it
- 43% debt-to-income limit: $1,179 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Itawamba County's.
More Itawamba County figures
Bachelor's degree or higher: 16% of Itawamba County adults. Uninsured, Itawamba County: 9.0%; Mississippi: 11.0%.
| Residents | Itawamba County | Difference from Mississippi | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 16.0% | -9.1 pts | -6.1 pts |
| Poverty rate | 15.5% | -3.4 pts | +2.3 pts |
| No vehicle | 4.2% | -2.1 pts | -1.2 pts |
| No health insurance | 9.0% | -2.0 pts | +1.1 pts |
| Unemployment (ACS) | 5.1% | -0.7 pts | +0.7 pts |
| No high school diploma | 13.5% | +0.6 pts | n/a |
| Work from home | 6.1% | +0.2 pts | -2.6 pts |
| Median age | 38.6 | +0.0 yrs | -2.9 yrs |
| One-way commute | Share of Itawamba County workers |
|---|---|
| Under 15 min | 23.9% |
| 15 to 29 min | 35.3% |
| 30 to 44 min | 27.7% |
| 45 to 59 min | 6.6% |
| 60+ min | 6.5% |
Lender oversight for Itawamba County
Itawamba 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. The Mississippi page has statewide figures to set beside Itawamba County's.
Before you sign
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Itawamba County-area credit union.
- Confirm the lender is licensed in Mississippi.
- Ask a Itawamba County credit union about member loans.
Keep exploring
For statewide rules and data, see the Mississippi guide.
Frequently asked questions
Is Itawamba County a high-income county?
Its $55,546 median ranks 20th of 82 Mississippi counties and compares with $65,681 for the median U.S. county.
What is the median rent in Itawamba County, MS?
$811 a month, utilities included, or $9,732 a year.
Does this page cover Fulton?
Yes, along with the other 3 Census places in Itawamba County, such as Mantachie, Kirkville, Tremont.
Does living in Itawamba County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Itawamba County resident as anyone. Lenders decide under fair-lending law.
Is there a Itawamba County office that licenses lenders?
No, licensing is statewide. In Mississippi it is the Mississippi Department of Banking and Consumer Finance.