1st Advantage MortgageIn Logan County, North Dakota, the typical household earns $62,750 a year and the typical rent is $838. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's North Dakota license first.
On this page
- Logan County at a glance
- Housing costs in Logan County
- Income in Logan County compared with North Dakota
- Employment and commuting in Logan County
- Cities, towns and CDPs in Logan County
- Regional comparison for Logan County
- Budget math at the Logan County median
- People and households in Logan County
- Reading the Logan County data as a borrower
- Before you sign
- North Dakota rules that apply in Logan County
- More guides for Logan County
- Frequently asked questions
Logan County at a glance
Roughly 1,819 residents live in Logan County, North Dakota, 48th by population among the state's 53 counties and county equivalents. Spread over 993 square miles, that works out to roughly 1.8 residents per square mile. No metropolitan area includes Logan County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 3 Census places inside Logan County, Napoleon leads by population with about 765; 3 of the 3 are incorporated. Because Logan County is small, the survey's margins of error are wide; treat the numbers as approximate.
Housing costs in Logan County
Renters in Logan County pay a median of $838 a month, 12% below the North Dakota figure of $954. 50% of renting households spend 30% or more of income on rent, and 28% spend half or more. With a median value of $102,000, a typical Logan County house costs 1.6 times what the median household earns in a year. 83% of Logan County households own their home and 17% rent. Half the housing stock was built before 1967.
| Cost | Logan County | North Dakota figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $838/mo | $954/mo | $877/mo |
| Median home value | $102,000 | $249,900 | $185,300 |
| Owners | 83% | 63% | 75% |
| Rent-burdened renters | 50% | 39% | 45% |
| Burdened owners | 20% | 21% | n/a |
| Mobile homes | 5.6% | 6.6% | n/a |
In an owner-heavy county like Logan 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.
Income in Logan County compared with North Dakota
The median household income in Logan County is $62,750; statewide it is $76,657, so Logan County runs 18% below North Dakota as a whole.
| Yearly household income | Logan County | Gap to North Dakota |
|---|---|---|
| Under $35,000 | 32.0% | +10.5 pts |
| $35,000 to $99,999 | 44.3% | +3.0 pts |
| $100,000 to $199,999 | 18.5% | -9.0 pts |
| $200,000 or more | 5.1% | -4.5 pts |
The spread is wide: 24% of Logan County households make $100,000 or more, and 32% make less than $35,000. 12.4% of residents fall below the federal poverty line (statewide: 10.8%). Income inequality, measured by the Gini index, comes to 0.453 here. None of these numbers decides a Logan County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Logan County
By the Census industry count, 27% of employed Logan County residents work in agriculture, forestry and mining and 21% in education and health care. Agriculture, forestry and mining stands out: 27% of workers here, versus 8% statewide. ACS puts five-year average unemployment at 1.7% in Logan County. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work.
| Industry (employed residents 16+) | Logan County | Gap to North Dakota |
|---|---|---|
| Agriculture, forestry and mining | 26.9% | +18.9 pts |
| Education and health care | 21.1% | -4.7 pts |
| Finance, insurance and real estate | 8.4% | +2.6 pts |
| Retail trade | 8.2% | -3.1 pts |
| Public administration | 7.6% | +2.9 pts |
| Other services | 6.5% | +1.8 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Cities, towns and CDPs in Logan County
3 Census places fall mainly inside Logan County; the 3 biggest are below. They account for 1,095 residents, leaving about 40% of the county in unincorporated, unnamed areas. This guide covers each of the 3 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Napoleon | city | 765 | $68,750 | $833 | 13 mi |
| Gackle | city | 284 | $56,042 | $519 | 20 mi |
| Fredonia | city | 46 | $66,667 | n/a | 22 mi |
Regional comparison for Logan County
The six counties whose centers lie closest to Logan County's, from 25 to 49 miles away. Income ranges from $61,856 in Stutsman County to $80,664 in LaMoure County; 5 of these neighbors top Logan County's median. The list crosses into South Dakota, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Logan County | - | $62,750 | $838/mo | 83% |
| McIntosh County, ND | 25 mi | $64,419 | $608/mo | 79% |
| Kidder County, ND | 34 mi | $65,610 | $853/mo | 76% |
| Emmons County, ND | 37 mi | $66,538 | $568/mo | 80% |
| Stutsman County, ND | 43 mi | $61,856 | $774/mo | 63% |
| LaMoure County, ND | 47 mi | $80,664 | $766/mo | 84% |
| McPherson County, SD | 49 mi | $66,906 | $594/mo | 81% |
Budget math at the Logan County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Logan County household at the medians it works out like this; treat it as an illustration only.
- Start: $5,229 gross per month ($62,750 / 12)
- Less median rent of $838, which is 16% of it
- At 35%, room after rent is $992 a month
- At 45%, room after rent is $1,515 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
People and households in Logan County
Degree holders: 26% of adults over 25. The uninsured rate is 2.9%, against 6.5% for North Dakota.
| Logan County | North Dakota | U.S. county median | |
|---|---|---|---|
| Median age | 50.3 | 35.9 | 41.5 |
| Bachelor's or higher | 25.8% | 32.7% | 22.2% |
| No high school diploma | 8.8% | 6.0% | n/a |
| No health insurance | 2.9% | 6.5% | 7.8% |
| No vehicle | 3.1% | 5.9% | 5.4% |
| Work from home | 14.4% | 8.1% | 8.7% |
| Poverty rate | 12.4% | 10.8% | 13.2% |
| Unemployment (ACS) | 1.7% | 2.8% | 4.4% |
Reading the Logan County data as a borrower
The county's numbers point to a few situations that come up often for Logan County borrowers.
- Benefit income. With half of residents older than 50, lenders often see pension and Social Security income, which counts like wages.
- Renters under pressure. When 50% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Before you sign
Steps that save money for Logan County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- A North Dakota license check takes minutes; do it first.
- Ask about early-payoff penalties.
North Dakota rules that apply in Logan County
No county office licenses personal lenders. For Logan County, check the North Dakota Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. More on North Dakota: North Dakota personal loans.
More guides for Logan County
The North Dakota guide covers the whole state.
Frequently asked questions
What is the median household income in Logan County?
$62,750 a year in the 2020 to 2024 Census survey, versus $76,657 for North Dakota. It ranks 43rd of 53 in the state.
How much is rent in Logan County?
Median gross rent, utilities included, is $838 a month; 50% of renters spend 30% or more of income on it.
I own my home in Logan County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 83% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Logan County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Napoleon, Gackle, Fredonia.
Can Logan County residents use the questionnaire?
Yes. It asks the same questions in every North Dakota county, lists every requirement up front and does not affect your credit score.