1st Advantage MortgageLogan County households have a median income of $66,358 and median rent of $829 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 Illinois license first.
On this page
- Logan County by the numbers
- Employment and commuting in Logan County
- What Logan County households earn
- Rent, home values and ownership in Logan County
- Logan County towns compared
- Counties near Logan County
- A Logan County household budget, worked through
- People and households in Logan County
- Local borrowing considerations for Logan County
- A Logan County borrower's checklist
- Licensing and complaints for Logan County
- More guides for Logan County
- Frequently asked questions
Logan County by the numbers
Roughly 27,713 residents live in Logan County, Illinois, 49th by population among the state's 102 counties and county equivalents. Spread over 618 square miles, that works out to roughly 44.8 residents per square mile. Under the July 2023 OMB definitions, Logan County is not part of any metropolitan area. Lincoln is the biggest of its 13 Census places, at roughly 13,281 people (48% of the county total).
Employment and commuting in Logan County
Education and health care employs 25% of working residents, the largest share; manufacturing is next with 12%. The sharpest difference from the state is in public administration, at 9% locally and 4% for Illinois. ACS puts five-year average unemployment at 4.0% in Logan County. Long commutes are the exception here: 11% of workers spend 45 minutes or longer getting to work.
| Sector | Logan County | Compared with Illinois |
|---|---|---|
| Education and health care | 24.6% | +1.0 pts |
| Manufacturing | 11.5% | 0.0 pts |
| Retail trade | 10.3% | -0.1 pts |
| Public administration | 8.7% | +4.8 pts |
| Arts, lodging and food service | 6.1% | -2.0 pts |
| Finance, insurance and real estate | 5.9% | -1.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Logan County should have bank statements and tax returns ready.
What Logan County households earn
Logan County households have a median income of $66,358 (ACS 2020 to 2024), which ranks 52nd of 102 in Illinois.
| Income band | Share in Logan County | Difference from Illinois |
|---|---|---|
| Under $35,000 | 23.5% | +2.5 pts |
| $35,000 to $99,999 | 45.5% | +8.3 pts |
| $100,000 to $199,999 | 25.6% | -2.6 pts |
| $200,000 or more | 5.5% | -8.3 pts |
About 23% of households earn under $35,000, while 31% clear $100,000. Census counts 13.1% of Logan County residents in poverty, against 11.8% across Illinois. The Gini index of income inequality is 0.422 (0 is perfect equality). A household earning below the $66,358 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Rent, home values and ownership in Logan County
Median gross rent, utilities included, comes to $829 in Logan County versus $1,274 statewide. By the Census definition, 47% of Logan County renters are cost-burdened. The median owner-occupied home is valued at $134,400, about 2.0 times the median household income. The ownership rate is 68%. Half the housing stock was built before 1964.
| Home costs | Logan County | Illinois | U.S. middle county |
|---|---|---|---|
| Median gross rent | $829/mo | $1,274/mo | $877/mo |
| Median home value | $134,400 | $263,300 | $185,300 |
| Owners | 68% | 67% | 75% |
| Rent-burdened renters | 47% | 48% | 45% |
| Burdened owners | 14% | 27% | n/a |
| Mobile homes | 3.2% | 2.3% | n/a |
| Vacant units | 6% | 8% | n/a |
Logan County towns compared
The table lists the 13 largest of 13 Census places in Logan County, by population. Together all 13 hold about 19,226 people, so roughly 31% of residents live outside any named place. Incomes vary by place: $108,594 at the median in Elkhart, $57,340 in Lincoln. Rent is cheapest in Mount Pulaski ($747) and steepest in Atlanta ($894). No Logan County place has a separate guide yet; this county page serves all 13.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Lincoln | city | 13,281 | $57,340 | $828 | 2 mi |
| Atlanta | city | 1,580 | $80,972 | $894 | 12 mi |
| Mount Pulaski | city | 1,507 | $66,176 | $747 | 9 mi |
| Elkhart | village | 533 | $108,594 | $839 | 10 mi |
| Hartsburg | village | 415 | $73,529 | $1,065 | 9 mi |
| Emden | village | 387 | $69,167 | $889 | 13 mi |
| Chestnut | CDP | 347 | $54,091 | n/a | 11 mi |
| Latham | village | 297 | $68,333 | $750 | 16 mi |
| Middletown | village | 249 | $52,188 | $721 | 12 mi |
| Broadwell | village | 248 | $61,250 | $725 | 6 mi |
| New Holland | village | 216 | $77,500 | $858 | 12 mi |
| Beason | CDP | 142 | $55,208 | n/a | 9 mi |
| Cornland | CDP | 24 | n/a | n/a | 13 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Counties near Logan County
Six nearby counties, 24 to 30 miles away by the straight-line distance between their centers. 4 of the six report a higher median household income than Logan County; Menard County is highest at $82,176 and Macon County lowest at $62,666.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Logan County | - | $66,358 | $829/mo | 68% |
| Menard County, IL | 24 mi | $82,176 | $885/mo | 79% |
| De Witt County, IL | 25 mi | $71,678 | $903/mo | 79% |
| Tazewell County, IL | 27 mi | $77,982 | $909/mo | 78% |
| Macon County, IL | 28 mi | $62,666 | $847/mo | 70% |
| Mason County, IL | 30 mi | $62,845 | $802/mo | 82% |
| Sangamon County, IL | 30 mi | $75,357 | $983/mo | 71% |
A Logan County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Logan County's medians:
- Median income divided by twelve: $5,530 before taxes
- 15% goes to median rent ($829)
- At 35%, room after rent is $1,106 a month
- 45% debt-to-income limit: $1,659 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Logan County's.
People and households in Logan County
21% of Logan County adults 25 and older hold a bachelor's degree or more. About 3% go without health insurance.
| Residents | Logan County | Illinois | Middle U.S. county |
|---|---|---|---|
| Median age | 41.1 | 39.0 | 41.5 |
| Bachelor's or higher | 20.9% | 37.8% | 22.2% |
| No high school diploma | 7.3% | 9.5% | n/a |
| No health insurance | 2.6% | 6.9% | 7.8% |
| No vehicle | 6.8% | 11.0% | 5.4% |
| Work from home | 8.7% | 15.9% | 8.7% |
| Poverty rate | 13.1% | 11.8% | 13.2% |
| Unemployment (ACS) | 4.0% | 5.8% | 4.4% |
| Minutes to work | Logan County workers |
|---|---|
| Under 15 min | 46.3% |
| 15 to 29 min | 24.0% |
| 30 to 44 min | 18.3% |
| 45 to 59 min | 7.9% |
| 60+ min | 3.4% |
Local borrowing considerations for Logan County
Where the Logan County numbers stand out, and why it matters for a loan:
- Rent squeeze. 47% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Check your file. An error fixed before you apply can change the offers a Logan County borrower sees (free reports).
- Advance-fee offers. No legitimate lender asks a Logan County borrower to pay first (scam signs).
A Logan County borrower's checklist
Before you apply, wherever you live in Logan County:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Licensing and complaints for Logan County
No county office licenses personal lenders. For Logan County, check the Illinois Department of Financial and Professional Regulation. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Illinois: Illinois personal loans.
More guides for Logan County
For statewide rules and data, see the Illinois guide.
Frequently asked questions
What does a typical Logan County household make?
About $66,358 a year at the median (ACS 2020-24), 20% below the Illinois median.
Is Logan County expensive for renters?
Median rent is $829 against $1,274 statewide, and 47% of renter households are cost-burdened.
What are the biggest places in Logan County?
By population: Lincoln, Atlanta, Mount Pulaski, Elkhart, Hartsburg. The county has 13 Census places in all.
Does living in Logan 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 Logan County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Logan County?
Start with the Illinois Department of Financial and Professional Regulation, then the CFPB complaint portal. Keep copies of every message.