1st Advantage MortgageAbout 79% of Jones County homes are owner-occupied, and the median household income is $59,641. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in North Carolina before sharing details.
On this page
- A quick profile of Jones County
- Household income in Jones County
- Housing costs in Jones County
- Jones County industries and commutes
- Where Jones County differs from the rest of North Carolina
- Census places in Jones County
- The counties around Jones County
- Budget math at the Jones County median
- Jones County residents: age, schooling, coverage
- Reading the Jones County data as a borrower
- North Carolina rules that apply in Jones County
- Four steps for Jones County borrowers
- Other North Carolina guides
- Frequently asked questions
A quick profile of Jones County
With an estimated 9,302 residents (ACS 2020 to 2024), Jones County ranks 97th of 100 in North Carolina for population. Spread over 471 square miles, that works out to roughly 19.7 residents per square mile. Jones County is classed as nonmetropolitan in the OMB's July 2023 list. Maysville (1,022 people) heads the county's list of 3 Census places, 3 incorporated and 0 census-designated. Census margins of error grow as populations shrink; for a county of 9,302, read each figure as a range.
Household income in Jones County
Half of Jones County households take in less than $59,641 a year and half take in more, 18% below the North Carolina median of $72,388.
| Households earning | Jones County | +/- vs North Carolina |
|---|---|---|
| Under $35,000 | 32.8% | +9.6 pts |
| $35,000 to $99,999 | 45.7% | +4.3 pts |
| $100,000 to $199,999 | 16.4% | -8.6 pts |
| $200,000 or more | 5.1% | -5.3 pts |
Some 33% of households here live on less than $35,000 a year; 21% have six-figure incomes. The poverty rate is 18.4%, 5 points higher than the state's 13.0%. The Gini index of income inequality is 0.450 (0 is perfect equality). For a borrower in Jones 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.
Housing costs in Jones County
Median gross rent, utilities included, comes to $747 in Jones County versus $1,228 statewide. Cost-burdened renters, paying 30%-plus of income: 40% in Jones County, 49% statewide. Home values center on $130,300, or 2.2 years of median income. Homeowners 79%, renters 21%. The median year built is 1988.
| Cost | Jones County | North Carolina figure | Higher or lower |
|---|---|---|---|
| Mobile homes | 30.5% | 11.0% | +19.6 pts |
| Owners | 79% | 67% | +12.8 pts |
| Rent-burdened renters | 40% | 49% | -8.6 pts |
| Burdened owners | 33% | 25% | +8.2 pts |
| Median home value | $130,300 | $288,900 | 55% lower |
| Median gross rent | $747/mo | $1,228/mo | 39% lower |
| Vacant units | 12% | 13% | -0.3 pts |
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).
Jones County industries and commutes
The biggest employer of Jones County residents, by industry, is education and health care at 27% of workers, followed by manufacturing (14%). Jones County over-indexes on public administration: 12% versus 4% in North Carolina. Unemployment in Jones County, ACS five-year: 4.4%; North Carolina: 4.7%. 21% of Jones County workers get to work in under 15 minutes, while 19% need 45 or more. 6.6% of households have no vehicle.
| Top industries | Jones County share | +/- vs North Carolina |
|---|---|---|
| Education and health care | 26.8% | +4.3 pts |
| Manufacturing | 13.7% | +2.0 pts |
| Public administration | 11.6% | +7.4 pts |
| Retail trade | 10.0% | -1.1 pts |
| Construction | 8.9% | +1.5 pts |
| Transportation, warehousing and utilities | 6.7% | +1.3 pts |
Self-employed in Jones County? Two years of tax returns usually stand in for pay stubs.
Where Jones County differs from the rest of North Carolina
The 3 Jones County numbers that rank furthest from typical in North Carolina, and what each means for a borrower:
- On the share of workers who work from home, Jones County sits near the bottom of North Carolina at 4.0%, 4th lowest of 100. Few remote jobs means most pay stubs come from local employers.
- Jones County ranks 4th lowest of 100 North Carolina counties for population: 9,302, against 10,730,404 statewide. With few local branches, online lenders and statewide credit unions widen the choice.
- Jones County ranks 9th highest of 100 North Carolina counties for the share of mobile homes: 30.5%, against 11.0% statewide. Repairs on manufactured homes are a common loan purpose; get written quotes.
Census places in Jones County
Places, by size: the top 3 of 3. Roughly 81% of Jones County lives outside all of them, in open country or unnamed settlements. No Jones County place has a separate guide yet; this county page serves all 3.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Maysville | town | 1,022 | $59,432 | $748 | 11 mi |
| Pollocksville | town | 463 | $60,714 | $716 | 8 mi |
| Trenton | town | 319 | $47,841 | $979 | 2 mi |
The counties around Jones County
Nearest neighbors first, measured between county centers (17 to 39 miles). Income ranges from $45,143 in Lenoir County to $68,148 in Onslow County; 2 of these neighbors top Jones County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Jones County | - | $59,641 | $747/mo | 79% |
| Craven County, NC | 17 mi | $65,873 | $1,110/mo | 68% |
| Onslow County, NC | 20 mi | $68,148 | $1,265/mo | 64% |
| Lenoir County, NC | 21 mi | $45,143 | $861/mo | 59% |
| Duplin County, NC | 33 mi | $55,148 | $865/mo | 70% |
| Greene County, NC | 36 mi | $53,244 | $853/mo | 67% |
| Pitt County, NC | 39 mi | $58,188 | $993/mo | 51% |
Budget math at the Jones County median
Jones County at the medians, through a lender's eyes (what DTI means):
- $4,970 a month: gross income for a household at the Jones County median
- 15% goes to median rent ($747)
- At 40%, room after rent is $1,241 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Jones County residents: age, schooling, coverage
Degree holders: 20% of adults over 25. Uninsured, Jones County: 9.2%; North Carolina: 9.9%.
| Measure | Jones County | Gap to North Carolina | Gap to typical U.S. county |
|---|---|---|---|
| Median age | 47.2 | +8.1 yrs | +5.7 yrs |
| Bachelor's or higher | 19.8% | -15.9 pts | -2.4 pts |
| No high school diploma | 10.9% | +1.1 pts | n/a |
| No health insurance | 9.2% | -0.7 pts | +1.3 pts |
| No vehicle | 6.6% | +1.2 pts | +1.1 pts |
| Work from home | 4.0% | -12.3 pts | -4.6 pts |
| Poverty rate | 18.4% | +5.3 pts | +5.2 pts |
| Unemployment (ACS) | 4.4% | -0.4 pts | -0.1 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 20.9% |
| 15 to 29 min | 34.7% |
| 30 to 44 min | 25.3% |
| 45 to 59 min | 11.6% |
| 60+ min | 7.6% |
Reading the Jones County data as a borrower
Jones County-specific points to check:
- 19% long commutes. A Jones County repair bill is often urgent; compare the shop's financing with a loan in writing.
- Manufactured homes. 31% of Jones County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Retirees. At a median age of 47.2, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Before borrowing. At 18.4% poverty, Jones County has local aid programs worth checking (options).
North Carolina rules that apply in Jones County
Licensing happens at the state level, so a lender working with Jones County borrowers answers to the North Carolina Office of the Commissioner of Banks. A CFPB complaint gets forwarded to the company for a response. State-level detail for Jones County borrowers is in the North Carolina guide.
Four steps for Jones County borrowers
Quick steps for Jones County:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in North Carolina.
- Never pay a fee up front to get a loan.
Other North Carolina guides
Next step up from Jones County:
Frequently asked questions
How much do households in Jones County earn?
The median is $59,641; 21% earn $100,000 or more and 33% under $35,000. A lender uses your own documented income, not this figure.
Is Jones County expensive for renters?
Median rent is $747 against $1,228 statewide, and 40% of renter households are cost-burdened.
Which towns does the Jones County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Maysville, Pollocksville, Trenton.
Does living in Jones 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 Jones County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Jones County?
Start with the North Carolina Office of the Commissioner of Banks, then the CFPB complaint portal. Keep copies of every message.