1st Advantage MortgageLogan County households have a median income of $49,723 and median rent of $710 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 West Virginia license first.
On this page
- Logan County by the numbers
- What Logan County households earn
- What it costs to live in Logan County
- Jobs and commutes in Logan County
- How Logan County compares with nearby counties
- Places inside Logan County
- What a median Logan County budget can carry
- Logan County households compared
- Local borrowing considerations for Logan County
- Lender oversight for Logan County
- Four steps for Logan County borrowers
- More guides for Logan County
- Frequently asked questions
Logan County by the numbers
The latest five-year Census estimate puts Logan County's population at 31,418; only 16 of West Virginia's 55 county-level areas are larger. Land area is 453 square miles (2024 Gazetteer), so density runs near 69 per square mile. Under the July 2023 OMB definitions, Logan County is not part of any metropolitan area. Of the 30 Census places inside Logan County, Mallory leads by population with about 1,417; 5 of the 30 are incorporated.
What Logan County households earn
Logan County households have a median income of $49,723 (ACS 2020 to 2024), which ranks 42nd of 55 in West Virginia.
| Band | Logan County | Compared with West Virginia |
|---|---|---|
| Under $35,000 | 37.8% | +7.4 pts |
| $35,000 to $99,999 | 41.6% | -0.8 pts |
| $100,000 to $199,999 | 16.6% | -4.8 pts |
| $200,000 or more | 4.1% | -1.8 pts |
The spread is wide: 21% of Logan County households make $100,000 or more, and 38% make less than $35,000. The poverty rate is 21.8%, 5 points higher than the state's 16.7%. Income inequality, measured by the Gini index, comes to 0.509 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
What it costs to live in Logan County
Renters in Logan County pay a median of $710 a month, 19% below the West Virginia figure of $872. By the Census definition, 44% of Logan County renters are cost-burdened. With a median value of $103,400, a typical Logan County house costs 2.1 times what the median household earns in a year. 77% of Logan County households own their home and 23% rent. Median construction year: 1982.
| Housing | Logan County | West Virginia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $710/mo | $872/mo | $877/mo |
| Median home value | $103,400 | $162,600 | $185,300 |
| Owners | 77% | 75% | 75% |
| Rent-burdened renters | 44% | 49% | 45% |
| Burdened owners | 24% | 20% | n/a |
| Mobile homes | 22.4% | 13.6% | n/a |
| Vacant units | 14% | 15% | n/a |
Because most Logan 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.
Jobs and commutes in Logan County
By the Census industry count, 32% of employed Logan County residents work in education and health care and 10% in retail trade. Agriculture, forestry and mining stands out: 8% of workers here, versus 3% statewide. Averaged over the five survey years, 8.5% of the labor force was out of work and looking. About 85% drive to work alone and 23% have trips of 45 minutes or more.
| Where residents work | Logan County | Difference from West Virginia |
|---|---|---|
| Education and health care | 32.3% | +4.2 pts |
| Retail trade | 9.6% | -2.4 pts |
| Agriculture, forestry and mining | 8.3% | +5.2 pts |
| Public administration | 7.8% | +0.6 pts |
| Arts, lodging and food service | 7.4% | -0.7 pts |
| Transportation, warehousing and utilities | 6.4% | +0.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
How Logan County compares with nearby counties
Distances run center to center, from Mingo County at 14 miles out to Wayne County at 34. Wayne County leads the group on income ($58,878), Martin County trails ($37,042), and Logan County out-earns 4 of the six. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Logan County resident follows West Virginia rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Logan County | - | $49,723 | $710/mo | 77% |
| Mingo County, WV | 14 mi | $38,119 | $647/mo | 73% |
| Boone County, WV | 18 mi | $57,093 | $837/mo | 81% |
| Lincoln County, WV | 25 mi | $46,205 | $771/mo | 74% |
| Wyoming County, WV | 27 mi | $48,440 | $650/mo | 82% |
| Martin County, KY | 31 mi | $37,042 | $450/mo | 85% |
| Wayne County, WV | 34 mi | $58,878 | $915/mo | 79% |
Places inside Logan County
30 Census places fall mainly inside Logan County; the 14 biggest are below. They account for 15,379 residents, leaving about 51% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $25,679 in Robinette to $102,589 in Holden. Median rent ranges from $623 in Chapmanville to $1,326 in Accoville. No Logan County place has a separate guide yet; this county page serves all 30.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Mallory | CDP | 1,417 | $101,546 | n/a | 10 mi |
| Logan | city | 1,294 | $29,832 | $778 | 3 mi |
| Mount Gay-Shamrock | CDP | 1,166 | $51,740 | $654 | 5 mi |
| Man | town | 1,049 | $60,000 | $755 | 7 mi |
| Chapmanville | town | 928 | $41,369 | $623 | 11 mi |
| Accoville | CDP | 916 | $36,737 | $1,326 | 8 mi |
| McConnell | CDP | 818 | n/a | n/a | 1 mi |
| Robinette | CDP | 706 | $25,679 | $627 | 9 mi |
| Holden | CDP | 670 | $102,589 | n/a | 8 mi |
| Bruno | CDP | 638 | n/a | n/a | 10 mi |
| Crooked Creek | CDP | 517 | n/a | n/a | 4 mi |
| Stollings | CDP | 505 | $43,491 | n/a | 1 mi |
| Monaville | CDP | 502 | $54,967 | n/a | 3 mi |
| Sarah Ann | CDP | 473 | $99,115 | n/a | 9 mi |
What a median Logan County budget can carry
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.
- Monthly gross at the median, Logan County: $4,144
- 17% goes to median rent ($710)
- Under a 36% cap, $1,492 total minus rent leaves $782
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Logan County's.
Logan County households compared
College graduates make up 15% of the adult population. 6.5% of residents have no health coverage.
| Residents | Logan County | West Virginia | Middle U.S. county |
|---|---|---|---|
| Median age | 44.1 | 42.7 | 41.5 |
| Bachelor's or higher | 14.7% | 24.1% | 22.2% |
| No high school diploma | 16.2% | 10.7% | n/a |
| No health insurance | 6.5% | 6.0% | 7.8% |
| No vehicle | 9.6% | 8.0% | 5.4% |
| Work from home | 5.0% | 9.1% | 8.7% |
| Poverty rate | 21.8% | 16.7% | 13.2% |
| Unemployment (ACS) | 8.5% | 5.4% | 4.4% |
| Commute length | Logan County |
|---|---|
| Under 15 min | 30.8% |
| 15 to 29 min | 32.8% |
| 30 to 44 min | 12.9% |
| 45 to 59 min | 5.6% |
| 60+ min | 17.9% |
Local borrowing considerations for Logan County
The county's numbers point to a few situations that come up often for Logan County borrowers.
- Long drives. With 23% of commutes over 45 minutes, tires and repairs are fixed costs in many Logan County budgets.
- 22% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Lower-cost alternatives. In a county with 22% in poverty, nonprofit credit counseling may beat a loan (options).
Lender oversight for Logan County
Consumer lenders serving Logan County are licensed by the state, not the county; in West Virginia that is the West Virginia Division of Financial Institutions. Federal complaints: consumerfinance.gov. See the West Virginia state guide for the statewide picture.
Four steps for Logan County borrowers
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in West Virginia.
- Pick the shortest term whose payment still fits.
More guides for Logan County
For statewide rules and data, see the West Virginia guide.
Frequently asked questions
What does a typical Logan County household make?
About $49,723 a year at the median (ACS 2020-24), 17% below the West Virginia median.
What do renters pay in Logan County?
$710 a month at the median, about 17% of median household income.
Should Logan County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Logan County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Logan County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Mallory, Logan, Mount Gay-Shamrock, Man, Chapmanville and 25 more.
Are Logan 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.