1st Advantage MortgageKiowa County households have a median income of $75,539 and median rent of $762 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Kiowa County
- Rent, home values and ownership in Kiowa County
- Household income in Kiowa County
- Employment and commuting in Kiowa County
- Cities, towns and CDPs in Kiowa County
- Counties near Kiowa County
- What a median Kiowa County budget can carry
- Kiowa County households compared
- Local borrowing considerations for Kiowa County
- Who licenses lenders for Kiowa County residents
- Steps before you apply in Kiowa County
- More guides for Kiowa County
- Frequently asked questions
Who lives in Kiowa County
The latest five-year Census estimate puts Kiowa County's population at 2,422; only 95 of Kansas's 105 county-level areas are larger. Land area is 723 square miles (2024 Gazetteer), so density runs near 3 per square mile. Under the July 2023 OMB definitions, Kiowa County is not part of any metropolitan area. Of the 3 Census places inside Kiowa County, Greensburg leads by population with about 722; 3 of the 3 are incorporated. Small populations mean wide margins of error, so read every Kiowa County figure on this page as a rough guide.
Rent, home values and ownership in Kiowa County
A typical Kiowa County rental runs $762 a month including utilities, which is 28% below Kansas. By the Census definition, 40% of Kiowa County renters are cost-burdened. With a median value of $155,300, a typical Kiowa County house costs 2.1 times what the median household earns in a year. 73% of Kiowa County households own their home and 27% rent. The median home was built in 1973, so roofs, wiring and heating systems are a common source of repair bills.
| Home costs | Kiowa County | Kansas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $762/mo | $1,060/mo | $877/mo |
| Median home value | $155,300 | $217,200 | $185,300 |
| Owners | 73% | 67% | 75% |
| Rent-burdened renters | 40% | 43% | 45% |
| Burdened owners | 18% | 22% | 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).
Household income in Kiowa County
At $75,539, the typical Kiowa County household income is 15% above the median U.S. county ($65,681). That places it 17th among Kansas's 105 county-level areas.
| Households earning | Kiowa County | +/- vs Kansas |
|---|---|---|
| Under $35,000 | 20.7% | -1.0 pts |
| $35,000 to $99,999 | 50.2% | +7.9 pts |
| $100,000 to $199,999 | 21.9% | -4.6 pts |
| $200,000 or more | 7.2% | -2.3 pts |
The spread is wide: 29% of Kiowa County households make $100,000 or more, and 21% make less than $35,000. Census counts 5.9% of Kiowa County residents in poverty, against 11.3% across Kansas. The Gini index of income inequality is 0.458 (0 is perfect equality). None of these numbers decides a Kiowa County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Kiowa County
Education and health care employs 27% of working residents, the largest share; agriculture, forestry and mining is next with 18%. The sharpest difference from the state is in agriculture, forestry and mining, at 18% locally and 3% for Kansas. The survey's unemployment rate for Kiowa County averages 2.2% over 2020 to 2024 (state: 3.9%). About 74% drive to work alone and 4% have trips of 45 minutes or more. Only 2.7% of homes here go without a vehicle.
| Where residents work | Kiowa County | Difference from Kansas |
|---|---|---|
| Education and health care | 26.5% | +1.6 pts |
| Agriculture, forestry and mining | 17.8% | +14.7 pts |
| Retail trade | 11.9% | +1.3 pts |
| Transportation, warehousing and utilities | 7.0% | +1.4 pts |
| Construction | 6.0% | -0.4 pts |
| Professional and administrative services | 5.7% | -4.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Kiowa County
The table lists the 3 largest of 3 Census places in Kiowa County, by population. Together all 3 hold about 1,539 people, so roughly 36% of residents live outside any named place. This guide covers each of the 3 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Greensburg | city | 722 | $55,000 | $749 | 3 mi |
| Haviland | city | 603 | $62,250 | $683 | 11 mi |
| Mullinville | city | 214 | $91,563 | $773 | 11 mi |
Counties near Kiowa County
Edwards County is closest, 22 miles from center to center; the sixth, Barber County, is 40 miles off. Income ranges from $52,692 in Edwards County to $70,781 in Ford County; none of these neighbors top Kiowa County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Kiowa County | - | $75,539 | $762/mo | 73% |
| Edwards County, KS | 22 mi | $52,692 | $740/mo | 79% |
| Comanche County, KS | 26 mi | $54,545 | $692/mo | 73% |
| Pratt County, KS | 30 mi | $66,022 | $802/mo | 73% |
| Ford County, KS | 34 mi | $70,781 | $1,010/mo | 62% |
| Clark County, KS | 37 mi | $63,043 | $789/mo | 74% |
| Barber County, KS | 40 mi | $61,926 | $830/mo | 81% |
What a median Kiowa County budget can carry
How much room does a median Kiowa County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $75,539 a year is $6,295 of gross monthly income
- Housing at the median rent of $762 uses 12%
- 40% debt-to-income limit: $1,756 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Kiowa County's.
Kiowa County households compared
Degree holders: 28% of adults over 25. About 8% go without health insurance.
| Kiowa County | Kansas | U.S. county median | |
|---|---|---|---|
| Median age | 41.1 | 37.4 | 41.5 |
| Bachelor's or higher | 28.3% | 35.6% | 22.2% |
| No high school diploma | 11.2% | 8.0% | n/a |
| No health insurance | 8.4% | 8.8% | 7.8% |
| No vehicle | 2.7% | 5.1% | 5.4% |
| Work from home | 9.4% | 11.8% | 8.7% |
| Poverty rate | 5.9% | 11.3% | 13.2% |
| Unemployment (ACS) | 2.2% | 3.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 65.5% |
| 15 to 29 min | 17.6% |
| 30 to 44 min | 12.9% |
| 45 to 59 min | 1.2% |
| 60+ min | 2.8% |
Local borrowing considerations for Kiowa County
What the Kiowa County figures suggest, and what to check first:
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Check your file. An error fixed before you apply can change the offers a Kiowa County borrower sees (free reports).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Who licenses lenders for Kiowa County residents
Before sharing details with a lender, a Kiowa County resident can confirm its license with the Kansas Office of the State Bank Commissioner. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Kansas guide.
Steps before you apply in Kiowa County
A short checklist for Kiowa County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Verify the Kansas license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Kiowa County
For statewide rules and data, see the Kansas guide.
Frequently asked questions
What is the median household income in Kiowa County?
$75,539 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 17th of 105 in the state.
How much is rent in Kiowa County?
Median gross rent, utilities included, is $762 a month; 40% of renters spend 30% or more of income on it.
What are the biggest places in Kiowa County?
By population: Greensburg, Haviland, Mullinville. The county has 3 Census places in all.
Does living in Kiowa 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 Kiowa County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Kiowa County?
Start with the Kansas Office of the State Bank Commissioner, then the CFPB complaint portal. Keep copies of every message.