1st Advantage MortgageIn Lycoming County, Pennsylvania, the typical household earns $63,917 a year and the typical rent is $913. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Lycoming County offer.
On this page
- Population and place: Lycoming County
- Lycoming County's most unusual numbers
- What Lycoming County households earn
- Lycoming County housing compared with Pennsylvania
- How Lycoming County residents earn a living
- The communities that make up Lycoming County
- Nearby counties: income, rent, ownership
- People and households in Lycoming County
- A Lycoming County household budget, worked through
- Borrowing situations common in Lycoming County
- Lender oversight for Lycoming County
- Steps before you apply in Lycoming County
- Nearby and statewide guides
- Frequently asked questions
Population and place: Lycoming County
The latest five-year Census estimate puts Lycoming County's population at 113,489; only 28 of Pennsylvania's 67 county-level areas are larger. Land area is 1,229 square miles (2024 Gazetteer), so density runs near 92 per square mile. The federal metro definitions (OMB, July 2023) place it in the Williamsport, PA metropolitan area. Largest place: Williamsport, about 27,612 residents (24% of Lycoming County); 15 Census places in all.
Lycoming County's most unusual numbers
Ranked against the other 66 county-level areas in Pennsylvania, these are the Lycoming County figures furthest from the middle.
- On the share of commutes over 45 minutes, Lycoming County sits near the bottom of Pennsylvania at 8%, 6th lowest of 67. Short commutes keep vehicle costs down, which can free up room for savings.
- Households without a vehicle: 9.7% in Lycoming County. Only 9 of 67 Pennsylvania counties are higher. Car-free households may need loans less for repairs but more for moves.
- On homeownership, Lycoming County sits near the bottom of Pennsylvania at 69%, 10th lowest of 67. Many renters means few borrowers have home equity to fall back on.
What Lycoming County households earn
$63,917 is the median household income for Lycoming County, set against $77,971 for Pennsylvania.
| Band | Lycoming County | Compared with Pennsylvania |
|---|---|---|
| Under $35,000 | 25.6% | +3.6 pts |
| $35,000 to $99,999 | 46.0% | +6.8 pts |
| $100,000 to $199,999 | 23.3% | -3.8 pts |
| $200,000 or more | 5.2% | -6.7 pts |
26% under $35,000 and 28% at $100,000 or more: that is the Lycoming County income split. Poverty rate, Lycoming County: 12.8%; Pennsylvania: 11.7%. Lycoming County scores 0.444 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Lycoming County application. Lenders weigh your own documented income against your own debts.
Lycoming County housing compared with Pennsylvania
Half of Lycoming County renters pay more than $913 a month and half pay less; the Pennsylvania midpoint is $1,209. About 5 in 10 Lycoming County renters pay 30% or more of income for rent. Lycoming County homes are worth $202,200 at the median, a 3.2-to-1 ratio to income. 69% of Lycoming County households own their home and 31% rent.
| Home costs | Lycoming County | Pennsylvania | Compared with Pennsylvania |
|---|---|---|---|
| Median gross rent | $913/mo | $1,209/mo | 24% lower |
| Median home value | $202,200 | $254,500 | 21% lower |
| Mobile homes | 5.5% | 3.5% | +2.0 pts |
| Burdened owners | 22% | 24% | -1.6 pts |
| Rent-burdened renters | 47% | 48% | -1.0 pts |
| Owners | 69% | 69% | -0.2 pts |
How Lycoming County residents earn a living
Education and health care employs 28% of working residents, the largest share; manufacturing is next with 14%. Manufacturing stands out: 14% of workers here, versus 11% statewide. Unemployment in Lycoming County, ACS five-year: 5.1%; Pennsylvania: 5.3%. Long commutes are the exception here: 8% of workers spend 45 minutes or longer getting to work.
| Where residents work | Lycoming County | Difference from Pennsylvania |
|---|---|---|
| Education and health care | 27.9% | +1.3 pts |
| Manufacturing | 13.6% | +2.2 pts |
| Retail trade | 11.7% | +0.7 pts |
| Professional and administrative services | 8.2% | -3.1 pts |
| Arts, lodging and food service | 7.1% | -0.4 pts |
| Construction | 6.4% | +0.4 pts |
Seasonal work is common in many Lycoming County industries; if that is you, show a full year of income rather than one strong month.
The communities that make up Lycoming County
15 Census places fall mainly inside Lycoming County; the 14 biggest are below. They account for 61,055 residents, leaving about 46% of the county in unincorporated, unnamed areas. Picture Rocks has the highest median household income on the list ($94,821) and Williamsport the lowest ($48,851), counting places with at least 500 residents. Median rent ranges from $784 in Picture Rocks to $1,287 in Duboistown. None of the 15 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Williamsport | city | 27,612 | $48,851 | $855 | 7 mi |
| South Williamsport | borough | 6,211 | $64,583 | $1,067 | 8 mi |
| Kenmar | CDP | 5,077 | $58,857 | $826 | 8 mi |
| Montoursville | borough | 4,706 | $59,919 | $935 | 10 mi |
| Jersey Shore | borough | 4,121 | $72,361 | $904 | 15 mi |
| Muncy | borough | 2,720 | $85,588 | $919 | 17 mi |
| Garden View | CDP | 2,637 | $52,222 | $940 | 6 mi |
| Hughesville | borough | 2,274 | $64,917 | $827 | 19 mi |
| Montgomery | borough | 1,564 | $63,936 | $1,006 | 15 mi |
| Duboistown | borough | 1,403 | $81,875 | $1,287 | 8 mi |
| Faxon | CDP | 727 | $51,406 | n/a | 7 mi |
| Picture Rocks | borough | 716 | $94,821 | $784 | 19 mi |
| Rauchtown | CDP | 586 | $70,000 | $1,104 | 18 mi |
| Oval | CDP | 478 | $80,673 | n/a | 15 mi |
A CDP is a named community without its own municipal government.
Nearby counties: income, rent, ownership
Six nearby counties, 26 to 38 miles away by the straight-line distance between their centers. Richest neighbor: Montour County, $76,976. Poorest: Northumberland County, $60,583. Lycoming County: $63,917.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Lycoming County | - | $63,917 | $913/mo | 69% |
| Union County, PA | 26 mi | $76,404 | $974/mo | 72% |
| Sullivan County, PA | 29 mi | $69,764 | $775/mo | 85% |
| Montour County, PA | 30 mi | $76,976 | $1,142/mo | 68% |
| Clinton County, PA | 31 mi | $60,816 | $820/mo | 72% |
| Tioga County, PA | 31 mi | $64,899 | $863/mo | 77% |
| Northumberland County, PA | 38 mi | $60,583 | $806/mo | 75% |
People and households in Lycoming County
Degree holders: 25% of adults over 25. Uninsured, Lycoming County: 5.2%; Pennsylvania: 5.6%.
| People and households | Lycoming County | Compared with Pennsylvania | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 24.8% | -10.4 pts | +2.6 pts |
| Work from home | 8.7% | -6.9 pts | +0.1 pts |
| Poverty rate | 12.8% | +1.1 pts | -0.3 pts |
| No vehicle | 9.7% | -0.7 pts | +4.3 pts |
| No high school diploma | 8.5% | +0.6 pts | n/a |
| Median age | 41.4 | +0.5 yrs | -0.1 yrs |
| No health insurance | 5.2% | -0.4 pts | -2.7 pts |
| Unemployment (ACS) | 5.1% | -0.1 pts | +0.7 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 40.2% |
| 15 to 29 min | 38.7% |
| 30 to 44 min | 12.8% |
| 45 to 59 min | 3.6% |
| 60+ min | 4.6% |
A Lycoming County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Lycoming County's medians:
- $63,917 a year is $5,326 of gross monthly income
- Rent at the median, $913, takes 17% of that
- 43% debt-to-income limit: $1,377 left for all other debt payments
Two-income households and single earners in Lycoming County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Lycoming County
A few patterns in the Lycoming County data, and the practical point behind each:
- 47% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Advance-fee offers. No legitimate lender asks a Lycoming County borrower to pay first (scam signs).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Lender oversight for Lycoming County
No county office licenses personal lenders. For Lycoming County, check the Pennsylvania Department of Banking and Securities. Nationally, Lycoming County residents can file with the CFPB. The Pennsylvania guide covers state rules in more detail.
Steps before you apply in Lycoming County
Steps that save money for Lycoming County residents:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Ask a Lycoming County credit union about member loans.
Nearby and statewide guides
Statewide:
Frequently asked questions
Where does Lycoming County rank on income in Pennsylvania?
42nd of 67, with a median of $63,917. The state median is $77,971.
What is the median rent in Lycoming County, PA?
$913 a month, utilities included, or $10,956 a year.
How many towns are in Lycoming County?
The Census Bureau counts 15 places mainly in the county, led by Williamsport, South Williamsport, Kenmar, Montoursville, Jersey Shore.
Does living in Lycoming 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 Lycoming County resident as anyone. Lenders decide under fair-lending law.
How do I know a lender is legitimate in Lycoming County?
Look it up with the Pennsylvania Department of Banking and Securities, read the written offer, and refuse any fee before funding.