1st Advantage MortgageIn Lincoln County, Nevada, the typical household earns $72,307 a year and the typical rent is $919. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Nevada before sharing details.
On this page
- 4,405 residents: Lincoln County basics
- What Lincoln County households earn
- What stands out in Lincoln County
- Employment and commuting in Lincoln County
- Housing costs in Lincoln County
- Counties near Lincoln County
- Lincoln County towns compared
- A Lincoln County household budget, worked through
- Lincoln County residents: age, schooling, coverage
- Local borrowing considerations for Lincoln County
- Checklist for Lincoln County applicants
- Who licenses lenders for Lincoln County residents
- More guides for Lincoln County
- Frequently asked questions
4,405 residents: Lincoln County basics
Roughly 4,405 residents live in Lincoln County, Nevada, 14th by population among the state's 17 counties and county equivalents. It covers 10,633 square miles of land, with fewer than one resident per square mile. Under the July 2023 OMB definitions, Lincoln County is not part of any metropolitan area. Of the 11 Census places inside Lincoln County, Caliente leads by population with about 1,146; 1 of the 11 are incorporated. With so few households sampled, Lincoln County estimates can move a lot between releases.
What Lincoln County households earn
Median household income in Lincoln County: $72,307 (8% below Nevada, $78,260).
| Band | Lincoln County | Compared with Nevada |
|---|---|---|
| Under $35,000 | 15.9% | -4.8 pts |
| $35,000 to $99,999 | 51.0% | +10.1 pts |
| $100,000 to $199,999 | 24.9% | -2.6 pts |
| $200,000 or more | 8.2% | -2.7 pts |
On the low end, 16% of Lincoln County households report under $35,000; at the top, 33% report $100,000-plus. Census counts 5.0% of Lincoln County residents in poverty, against 12.4% across Nevada. None of these numbers decides a Lincoln County application. Lenders weigh your own documented income against your own debts.
What stands out in Lincoln County
Where Lincoln County lands at the extremes of Nevada's county rankings:
- Lincoln County ranks the lowest of 17 Nevada counties for the poverty rate: 5.0%, against 12.4% statewide. A low poverty rate does not mean every budget has room; test the payment.
- Households without a vehicle: 1.9% in Lincoln County. Only 1 of 17 Nevada counties are lower. Car ownership is close to universal, and so are repair bills.
- Lincoln County ranks 2nd lowest of 16 Nevada counties for the ACS unemployment rate: 1.9%, against 7.0% statewide. A tight job market helps steady income, but lenders still verify it.
Employment and commuting in Lincoln County
Top Lincoln County industry by residents employed: education and health care, 19%; second, arts, lodging and food service, 13%. Agriculture, forestry and mining stands out: 8% of workers here, versus 1% statewide. Unemployment in Lincoln County, ACS five-year: 1.9%; Nevada: 7.0%. Commutes of 45 minutes-plus: 13%; under 15 minutes: 67%.
| Industry | Share of Lincoln County workers | vs Nevada |
|---|---|---|
| Education and health care | 18.9% | +1.9 pts |
| Arts, lodging and food service | 12.8% | -6.8 pts |
| Professional and administrative services | 12.8% | +0.1 pts |
| Construction | 12.6% | +4.9 pts |
| Retail trade | 10.4% | -0.7 pts |
| Transportation, warehousing and utilities | 8.6% | +1.3 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Housing costs in Lincoln County
Lincoln County rent at the median: $919 a month, utilities in ($1,597 in Nevada). Rent takes 30% or more of income for 59% of renter households here. With a median value of $219,500, a typical Lincoln County house costs 3.0 times what the median household earns in a year. The ownership rate is 75%. Half the housing stock was built before 1982. Against the median U.S. county, Lincoln County rent is 5% above.
| Measure | Lincoln County | Nevada | Gap |
|---|---|---|---|
| Median gross rent | $919/mo | $1,597/mo | 42% lower |
| Median home value | $219,500 | $435,400 | 50% lower |
| Owners | 75% | 60% | +15.0 pts |
| Rent-burdened renters | 59% | 56% | +3.0 pts |
| Burdened owners | 23% | 31% | -8.7 pts |
| Mobile homes | 14.8% | 5.2% | +9.6 pts |
In an owner-heavy county like Lincoln County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it. High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Counties near Lincoln County
Washington County is closest, 80 miles from center to center; the sixth, White Pine County, is 123 miles off. Income ranges from $60,714 in Nye County to $80,632 in Washington County; 4 of these neighbors top Lincoln County's median. The list crosses into Utah, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Lincoln County | - | $72,307 | $919/mo | 75% |
| Washington County, UT | 80 mi | $80,632 | $1,566/mo | 72% |
| Iron County, UT | 87 mi | $66,247 | $1,065/mo | 68% |
| Nye County, NV | 90 mi | $60,714 | $1,181/mo | 78% |
| Clark County, NV | 99 mi | $76,472 | $1,626/mo | 58% |
| Beaver County, UT | 102 mi | $79,360 | $981/mo | 81% |
| White Pine County, NV | 123 mi | $72,865 | $937/mo | 75% |
Lincoln County towns compared
The table lists the 11 largest of 11 Census places in Lincoln County, by population. Together all 11 hold about 4,165 people, so roughly 5% of residents live outside any named place. Among places of 500 or more people, median income runs from $64,083 in Panaca to $88,493 in Pioche. No Lincoln County place has a separate guide yet; this county page serves all 11.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Caliente | city | 1,146 | n/a | $692 | 20 mi |
| Pioche | CDP | 1,031 | $88,493 | n/a | 32 mi |
| Panaca | CDP | 1,015 | $64,083 | $920 | 27 mi |
| Alamo | CDP | 736 | $70,136 | n/a | 24 mi |
| Rachel | CDP | 113 | $43,667 | n/a | 50 mi |
| Bennett Springs | CDP | 101 | n/a | n/a | 22 mi |
| Hiko | CDP | 23 | n/a | n/a | 18 mi |
| Beaverdam | CDP | 0 | n/a | n/a | 23 mi |
| Dry Valley | CDP | 0 | n/a | n/a | 35 mi |
| Mount Wilson | CDP | 0 | n/a | n/a | 47 mi |
| Ursine | CDP | 0 | n/a | n/a | 42 mi |
A Lincoln County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Lincoln County's medians:
- Start: $6,026 gross per month ($72,307 / 12)
- Housing at the median rent of $919 uses 15%
- At 43%, room after rent is $1,672 a month
Two-income households and single earners in Lincoln County land in very different places on this math, so run it for your own budget.
Lincoln County residents: age, schooling, coverage
In Lincoln County, 20% of adults have at least a four-year degree (28% in Nevada). Health coverage gaps: 5.5% of Lincoln County residents are uninsured.
| Residents | Lincoln County | Difference from Nevada | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 20.4% | -7.5 pts | -1.8 pts |
| Poverty rate | 5.0% | -7.4 pts | -8.1 pts |
| No high school diploma | 5.9% | -6.7 pts | n/a |
| Median age | 45.4 | +6.3 yrs | +3.9 yrs |
| No health insurance | 5.5% | -6.0 pts | -2.4 pts |
| No vehicle | 1.9% | -5.2 pts | -3.6 pts |
| Unemployment (ACS) | 1.9% | -5.1 pts | -2.5 pts |
| Work from home | 16.1% | +4.2 pts | +7.4 pts |
| One-way commute | Share of Lincoln County workers |
|---|---|
| Under 15 min | 66.5% |
| 15 to 29 min | 14.8% |
| 30 to 44 min | 6.0% |
| 45 to 59 min | 6.4% |
| 60+ min | 6.3% |
Local borrowing considerations for Lincoln County
The county's numbers point to a few situations that come up often for Lincoln County borrowers.
- Mobile homes in Lincoln County. At 15% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
- Older households. A 45.4 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Renters under pressure. When 59% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Checklist for Lincoln County applicants
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Who licenses lenders for Lincoln County residents
Before sharing details with a lender, a Lincoln County resident can confirm its license with the Nevada Financial Institutions Division. Problems with a lender can also go to the CFPB. More on Nevada: Nevada personal loans.
More guides for Lincoln County
Statewide:
Frequently asked questions
What is the median household income in Lincoln County?
$72,307 a year in the 2020 to 2024 Census survey, versus $78,260 for Nevada. It ranks 12th of 17 in the state.
Can a Lincoln County renter afford a loan payment?
At the $919 median rent and $6,026 median monthly income, rent alone uses 15%; add other debts before a new payment.
I own my home in Lincoln County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 75% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Caliente?
Yes, along with the other 10 Census places in Lincoln County, such as Pioche, Panaca, Alamo.
Are Lincoln County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.