1st Advantage MortgageThe median Johnson County household earns $90,454, and 7% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Johnson County by the numbers
- Income in Johnson County compared with Indiana
- Renting and owning in Johnson County
- Jobs and commutes in Johnson County
- The communities that make up Johnson County
- The counties around Johnson County
- Who lives in Johnson County, in numbers
- What the numbers mean for Johnson County borrowers
- What a median Johnson County budget can carry
- Four steps for Johnson County borrowers
- Lender oversight for Johnson County
- More guides for Johnson County
- Frequently asked questions
Johnson County by the numbers
With an estimated 166,315 residents (ACS 2020 to 2024), Johnson County ranks 11th of 92 in Indiana for population. Land area is 320 square miles (2024 Gazetteer), so density runs near 519 per square mile. The federal metro definitions (OMB, July 2023) place it in the Indianapolis-Carmel-Greenwood, IN metropolitan area. The Census Bureau counts 7 places in the county (7 incorporated, 0 census-designated); the largest is Greenwood, with about 66,029 residents, or 40% of the county.
Income in Johnson County compared with Indiana
Johnson County households have a median income of $90,454 (ACS 2020 to 2024), which ranks 5th of 92 in Indiana.
| Household income | Johnson County | vs Indiana |
|---|---|---|
| Under $35,000 | 15.2% | -7.3 pts |
| $35,000 to $99,999 | 40.5% | -2.9 pts |
| $100,000 to $199,999 | 31.9% | +6.1 pts |
| $200,000 or more | 12.3% | +4.1 pts |
About 15% of households earn under $35,000, while 44% clear $100,000. The poverty rate is 7.4%, 5 points lower than the state's 12.3%. Income inequality, measured by the Gini index, comes to 0.425 here. A household earning below the $90,454 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Renting and owning in Johnson County
Renters in Johnson County pay a median of $1,271 a month, 20% above the Indiana figure of $1,062. Rent takes 30% or more of income for 43% of renter households here. With a median value of $284,600, a typical Johnson County house costs 3.1 times what the median household earns in a year. 73% of Johnson County households own their home and 27% rent. The median year built is 1993.
| Johnson County | Indiana | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,271/mo | $1,062/mo | $877/mo |
| Median home value | $284,600 | $218,200 | $185,300 |
| Owners | 73% | 71% | 75% |
| Rent-burdened renters | 43% | 48% | 45% |
| Burdened owners | 19% | 20% | n/a |
Because most Johnson 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.
Jobs and commutes in Johnson County
The biggest employer of Johnson County residents, by industry, is education and health care at 25% of workers, followed by manufacturing (13%). Professional and administrative services stands out: 11% of workers here, versus 9% statewide. The survey's unemployment rate for Johnson County averages 3.0% over 2020 to 2024 (state: 4.3%). Long commutes are common here: 16% of workers spend 45 minutes or longer getting to work.
| Industry (employed residents 16+) | Johnson County | Gap to Indiana |
|---|---|---|
| Education and health care | 25.1% | +1.6 pts |
| Manufacturing | 12.7% | -5.3 pts |
| Retail trade | 11.7% | +0.9 pts |
| Professional and administrative services | 11.5% | +2.2 pts |
| Construction | 7.8% | +1.2 pts |
| Transportation, warehousing and utilities | 6.7% | +0.5 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 communities that make up Johnson County
The table lists the 7 largest of 7 Census places in Johnson County, by population. Together all 7 hold about 116,483 people, so roughly 30% of residents live outside any named place. Bargersville has the highest median household income on the list ($114,231) and Trafalgar the lowest ($77,885), counting places with at least 500 residents. Median rent ranges from $1,024 in Trafalgar to $1,661 in Whiteland. Linked names have their own city guide; this page covers every other Johnson County community.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Greenwood | city | 66,029 | $83,608 | $1,312 | 7 mi |
| Franklin | city | 26,168 | $82,380 | $1,186 | 2 mi |
| Bargersville | town | 10,752 | $114,231 | $1,379 | 7 mi |
| New Whiteland | town | 5,704 | $89,918 | $1,465 | 5 mi |
| Whiteland | town | 5,173 | $96,944 | $1,661 | 4 mi |
| Trafalgar | town | 1,469 | $77,885 | $1,024 | 6 mi |
| Prince's Lakes | town | 1,188 | $89,375 | $1,292 | 10 mi |
The counties around Johnson County
The six counties whose centers lie closest to Johnson County's, from 16 to 28 miles away. Hancock County leads the group on income ($93,186), Marion County trails ($66,346), and Johnson County out-earns 5 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Johnson County | - | $90,454 | $1,271/mo | 73% |
| Shelby County, IN | 16 mi | $72,190 | $987/mo | 72% |
| Morgan County, IN | 19 mi | $79,429 | $1,042/mo | 82% |
| Marion County, IN | 20 mi | $66,346 | $1,153/mo | 57% |
| Brown County, IN | 22 mi | $78,528 | $895/mo | 87% |
| Bartholomew County, IN | 23 mi | $79,901 | $1,127/mo | 69% |
| Hancock County, IN | 28 mi | $93,186 | $1,203/mo | 80% |
Who lives in Johnson County, in numbers
College graduates make up 35% of the adult population. 4.7% of residents have no health coverage.
| Residents | Johnson County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 38.0 | 38.1 | 41.5 |
| Bachelor's or higher | 34.7% | 29.5% | 22.2% |
| No high school diploma | 7.7% | 9.6% | n/a |
| No health insurance | 4.7% | 7.4% | 7.8% |
| No vehicle | 3.3% | 6.2% | 5.4% |
| Work from home | 14.2% | 10.7% | 8.7% |
| Poverty rate | 7.4% | 12.3% | 13.2% |
| Unemployment (ACS) | 3.0% | 4.3% | 4.4% |
| Commute length | Johnson County |
|---|---|
| Under 15 min | 26.2% |
| 15 to 29 min | 33.6% |
| 30 to 44 min | 24.4% |
| 45 to 59 min | 9.7% |
| 60+ min | 6.0% |
What the numbers mean for Johnson County borrowers
Where the Johnson County numbers stand out, and why it matters for a loan:
- Higher earners. 44% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Consolidating cards in Johnson County. Compare the total repaid, not the monthly figure (how).
What a median Johnson County budget can carry
Here is the Johnson County median household run through a simple DTI check. Your numbers will differ.
- $90,454 a year is $7,538 of gross monthly income
- Less median rent of $1,271, which is 17% of it
- 40% debt-to-income limit: $1,744 left for all other debt payments
If your rent is above $1,271, the room shrinks dollar for dollar.
Four steps for Johnson County borrowers
Quick steps for Johnson County:
- Borrow the amount the job needs; extra cash adds interest.
- Shop at least three lenders, including one Johnson County-area credit union.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Lender oversight for Johnson County
No county office licenses personal lenders. For Johnson County, check the Indiana Department of Financial Institutions. Problems with a lender can also go to the CFPB. Statewide data and rules: Indiana guide.
More guides for Johnson County
City guides inside Johnson County, and the statewide guide:
Frequently asked questions
What is the median household income in Johnson County?
$90,454 a year in the 2020 to 2024 Census survey, versus $71,957 for Indiana. It ranks 5th of 92 in the state.
Is Johnson County expensive for renters?
Median rent is $1,271 against $1,062 statewide, and 43% of renter households are cost-burdened.
Which towns does the Johnson County guide cover?
Every community in the county, unincorporated areas included. The largest of its 7 Census places: Greenwood, Franklin, Bargersville, New Whiteland, Whiteland.
Does living in Johnson 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 Johnson County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Johnson County?
Start with the Indiana Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.