1st Advantage MortgageKosciusko County households have a median income of $75,317 and median rent of $1,043 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Indiana license first.
On this page
- Kosciusko County by the numbers
- Paychecks and income spread in Kosciusko County
- How Kosciusko County residents earn a living
- Renting and owning in Kosciusko County
- Towns and communities in Kosciusko County
- The counties around Kosciusko County
- Budget math at the Kosciusko County median
- Local borrowing considerations for Kosciusko County
- Kosciusko County households compared
- Lender oversight for Kosciusko County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Kosciusko County by the numbers
The latest five-year Census estimate puts Kosciusko County's population at 80,442; only 21 of Indiana's 92 county-level areas are larger. Packed into 531 square miles, that is close to 151 residents for every square mile of land. Under the July 2023 OMB definitions, Kosciusko County is not part of any metropolitan area. Warsaw is the biggest of its 13 Census places, at roughly 16,768 people (21% of the county total).
Paychecks and income spread in Kosciusko County
Half of Kosciusko County households take in less than $75,317 a year and half take in more, 5% above the Indiana median of $71,957. Only 23 Indiana counties post a higher median.
| Households earning | Kosciusko County | +/- vs Indiana |
|---|---|---|
| Under $35,000 | 20.2% | -2.4 pts |
| $35,000 to $99,999 | 44.9% | +1.5 pts |
| $100,000 to $199,999 | 28.2% | +2.4 pts |
| $200,000 or more | 6.8% | -1.5 pts |
About 20% of households earn under $35,000, while 35% clear $100,000. 9.8% of residents fall below the federal poverty line (statewide: 12.3%). A household earning below the $75,317 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Kosciusko County residents earn a living
By the Census industry count, 39% of employed Kosciusko County residents work in manufacturing and 16% in education and health care. The sharpest difference from the state is in manufacturing, at 39% locally and 18% for Indiana. Averaged over the five survey years, 2.8% of the labor force was out of work and looking. About 76% drive to work alone and 9% have trips of 45 minutes or more. 5.5% of households have no vehicle.
| Sector | Kosciusko County | Compared with Indiana |
|---|---|---|
| Manufacturing | 39.1% | +21.1 pts |
| Education and health care | 16.4% | -7.1 pts |
| Retail trade | 8.9% | -1.8 pts |
| Arts, lodging and food service | 6.3% | -1.5 pts |
| Professional and administrative services | 5.9% | -3.4 pts |
| Construction | 5.8% | -0.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Kosciusko County should have bank statements and tax returns ready.
Renting and owning in Kosciusko County
Renters in Kosciusko County pay a median of $1,043 a month, 2% below the Indiana figure of $1,062. 46% of renting households spend 30% or more of income on rent, and 24% spend half or more. With a median value of $216,000, a typical Kosciusko County house costs 2.9 times what the median household earns in a year. The ownership rate is 77%. The median home was built in 1979, so roofs, wiring and heating systems are a common source of repair bills.
| Home costs | Kosciusko County | Indiana | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,043/mo | $1,062/mo | $877/mo |
| Median home value | $216,000 | $218,200 | $185,300 |
| Owners | 77% | 71% | 75% |
| Rent-burdened renters | 46% | 48% | 45% |
| Burdened owners | 19% | 20% | n/a |
| Mobile homes | 9.6% | 4.4% | n/a |
| Vacant units | 18% | 9% | n/a |
Because most Kosciusko 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.
Towns and communities in Kosciusko County
Here are the 13 most populous of the county's 13 Census places, with income and rent from the same 2020 to 2024 survey. About 40% of Kosciusko County residents live in one of the 13. Incomes vary by place: $101,563 at the median in Leesburg, $51,667 in Milford. Rent is cheapest in Mentone ($797) and steepest in Silver Lake ($1,158). Live in one of these Kosciusko County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Warsaw | city | 16,768 | $61,035 | $1,066 | 1 mi |
| Winona Lake | town | 5,080 | $82,188 | $1,132 | 3 mi |
| Syracuse | town | 3,233 | $71,833 | $1,115 | 14 mi |
| Milford | town | 1,661 | $51,667 | $1,029 | 12 mi |
| Pierceton | town | 1,451 | $80,625 | $912 | 9 mi |
| North Webster | town | 866 | $55,278 | $995 | 10 mi |
| Silver Lake | town | 857 | $55,272 | $1,158 | 12 mi |
| Mentone | town | 768 | $60,000 | $797 | 10 mi |
| Leesburg | town | 652 | $101,563 | $1,071 | 6 mi |
| Etna Green | town | 441 | $63,281 | $660 | 10 mi |
| Claypool | town | 318 | $60,417 | $1,098 | 8 mi |
| Burket | town | 203 | $55,833 | $950 | 8 mi |
| Sidney | town | 123 | $50,250 | $1,188 | 11 mi |
The counties around Kosciusko County
Six nearby counties, 20 to 28 miles away by the straight-line distance between their centers. 1 of the six report a higher median household income than Kosciusko County; Whitley County is highest at $78,083 and Fulton County lowest at $61,360.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Kosciusko County | - | $75,317 | $1,043/mo | 77% |
| Whitley County, IN | 20 mi | $78,083 | $934/mo | 82% |
| Marshall County, IN | 22 mi | $71,808 | $938/mo | 76% |
| Elkhart County, IN | 25 mi | $68,561 | $1,047/mo | 72% |
| Fulton County, IN | 25 mi | $61,360 | $839/mo | 80% |
| Noble County, IN | 26 mi | $71,723 | $832/mo | 77% |
| Wabash County, IN | 28 mi | $66,806 | $762/mo | 80% |
Budget math at the Kosciusko County median
Kosciusko County at the medians, through a lender's eyes (what DTI means):
- $6,276 a month: gross income for a household at the Kosciusko County median
- Rent at the median, $1,043, takes 17% of that
- Under a 43% cap, $2,699 total minus rent leaves $1,656
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Kosciusko County's.
Local borrowing considerations for Kosciusko County
What the Kosciusko County figures suggest, and what to check first:
- Medical bills. 12% of Kosciusko County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Kosciusko County households compared
College graduates make up 25% of the adult population. About 12% go without health insurance.
| Residents | Kosciusko County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 39.1 | 38.1 | 41.5 |
| Bachelor's or higher | 25.1% | 29.5% | 22.2% |
| No high school diploma | 12.1% | 9.6% | n/a |
| No health insurance | 11.7% | 7.4% | 7.8% |
| No vehicle | 5.5% | 6.2% | 5.4% |
| Work from home | 8.6% | 10.7% | 8.7% |
| Poverty rate | 9.8% | 12.3% | 13.2% |
| Unemployment (ACS) | 2.8% | 4.3% | 4.4% |
| Minutes to work | Kosciusko County workers |
|---|---|
| Under 15 min | 37.4% |
| 15 to 29 min | 40.3% |
| 30 to 44 min | 13.4% |
| 45 to 59 min | 4.7% |
| 60+ min | 4.2% |
Lender oversight for Kosciusko County
The Indiana Department of Financial Institutions is the place to verify any lender's Indiana license. The Consumer Financial Protection Bureau accepts complaints nationwide. See the Indiana state guide for the statewide picture.
Before you sign
Steps that save money for Kosciusko County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Indiana license before giving out your Social Security number.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
For statewide rules and data, see the Indiana guide.
Frequently asked questions
What is the median household income in Kosciusko County?
$75,317 a year in the 2020 to 2024 Census survey, versus $71,957 for Indiana. It ranks 24th of 92 in the state.
What do renters pay in Kosciusko County?
$1,043 a month at the median, about 17% of median household income.
Should Kosciusko County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Kosciusko 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 Kosciusko County guide cover?
Every community in the county, unincorporated areas included. The largest of its 13 Census places: Warsaw, Winona Lake, Syracuse, Milford, Pierceton.
Will a Kosciusko County address affect my match?
Beyond confirming Indiana as your state, no. Your answers about amount, credit, income and payments are all that count.