1st Advantage MortgageIn Mineral County, Nevada, the typical household earns $54,855 a year and the typical rent is $905. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Getting oriented in Mineral County
- How much Mineral County households make
- Work, industries and travel time in Mineral County
- Rent, home values and ownership in Mineral County
- Counties near Mineral County
- Places inside Mineral County
- A Mineral County household budget, worked through
- Who lives in Mineral County, in numbers
- Reading the Mineral County data as a borrower
- Checklist for Mineral County applicants
- Licensing and complaints for Mineral County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Mineral County
Mineral County is home to about 4,542 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 13th most populous of 17 county-level areas in Nevada. It covers 3,751 square miles of land, or about 1 people per square mile. No metropolitan area includes Mineral County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Hawthorne is the biggest of its 4 Census places, at roughly 2,809 people (62% of the county total). Because Mineral County is small, the survey's margins of error are wide; treat the numbers as approximate.
How much Mineral County households make
Mineral County households have a median income of $54,855 (ACS 2020 to 2024), which ranks 16th of 17 in Nevada.
| Household income | Mineral County | vs Nevada |
|---|---|---|
| Under $35,000 | 31.7% | +11.0 pts |
| $35,000 to $99,999 | 44.2% | +3.4 pts |
| $100,000 to $199,999 | 22.5% | -5.1 pts |
| $200,000 or more | 1.6% | -9.3 pts |
About 32% of households earn under $35,000, while 24% clear $100,000. Census counts 18.5% of Mineral County residents in poverty, against 12.4% across Nevada. Income inequality, measured by the Gini index, comes to 0.388 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Mineral County
The biggest employer of Mineral County residents, by industry, is education and health care at 24% of workers, followed by public administration (20%). The sharpest difference from the state is in public administration, at 20% locally and 4% for Nevada. Averaged over the five survey years, 9.8% of the labor force was out of work and looking. Long commutes are the exception here: 7% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Mineral County workers | vs Nevada |
|---|---|---|
| Education and health care | 23.9% | +6.8 pts |
| Public administration | 20.5% | +16.3 pts |
| Retail trade | 10.5% | -0.6 pts |
| Transportation, warehousing and utilities | 9.0% | +1.7 pts |
| Professional and administrative services | 8.8% | -3.9 pts |
| Manufacturing | 7.1% | +1.9 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Rent, home values and ownership in Mineral County
Median gross rent, utilities included, comes to $905 in Mineral County versus $1,597 statewide. By the Census definition, 19% of Mineral County renters are cost-burdened. Home values center on $156,200, or 2.8 years of median income. Owners occupy 73% of homes. Half the housing stock was built before 1971.
| Mineral County | Nevada | U.S. county median | |
|---|---|---|---|
| Median gross rent | $905/mo | $1,597/mo | $877/mo |
| Median home value | $156,200 | $435,400 | $185,300 |
| Owners | 73% | 60% | 75% |
| Rent-burdened renters | 19% | 56% | 45% |
| Burdened owners | 20% | 31% | n/a |
| Mobile homes | 23.5% | 5.2% | n/a |
| Vacant units | 20% | 9% | n/a |
In an owner-heavy county like Mineral 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.
Counties near Mineral County
Mono County is closest, 48 miles from center to center; the sixth, Alpine County, is 75 miles off. 5 of the six report a higher median household income than Mineral County; Alpine County is highest at $105,521 and Esmeralda County lowest at $41,715. Some neighbors are in California. Lender licensing is state by state, so a loan for a Mineral County resident follows Nevada rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Mineral County | - | $54,855 | $905/mo | 73% |
| Mono County, CA | 48 mi | $99,415 | $1,629/mo | 65% |
| Lyon County, NV | 55 mi | $80,812 | $1,326/mo | 77% |
| Esmeralda County, NV | 66 mi | $41,715 | $1,320/mo | 61% |
| Douglas County, NV | 70 mi | $90,754 | $1,593/mo | 79% |
| Churchill County, NV | 71 mi | $79,163 | $1,319/mo | 70% |
| Alpine County, CA | 75 mi | $105,521 | n/a | 78% |
Places inside Mineral County
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 91% of Mineral County residents live in one of the 4. No Mineral County place has a separate guide yet; this county page serves all 4.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Hawthorne | CDP | 2,809 | $67,300 | $974 | 11 mi |
| Schurz | CDP | 821 | $45,104 | $655 | 39 mi |
| Walker Lake | CDP | 376 | $50,455 | n/a | 20 mi |
| Mina | CDP | 107 | n/a | n/a | 19 mi |
A CDP is a named community without its own municipal government.
A Mineral County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Mineral County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $4,571 before taxes
- 20% goes to median rent ($905)
- Under a 36% cap, $1,646 total minus rent leaves $741
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Mineral County's.
Who lives in Mineral County, in numbers
Degree holders: 13% of adults over 25. 11.4% of residents have no health coverage.
| People and households | Mineral County | Nevada | Median county |
|---|---|---|---|
| Median age | 44.3 | 39.1 | 41.5 |
| Bachelor's or higher | 13.2% | 27.9% | 22.2% |
| No high school diploma | 7.3% | 12.5% | n/a |
| No health insurance | 11.4% | 11.4% | 7.8% |
| No vehicle | 5.1% | 7.0% | 5.4% |
| Work from home | 2.9% | 11.9% | 8.7% |
| Poverty rate | 18.5% | 12.4% | 13.2% |
| Unemployment (ACS) | 9.8% | 7.0% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 70.6% |
| 15 to 29 min | 14.9% |
| 30 to 44 min | 7.5% |
| 45 to 59 min | 0.9% |
| 60+ min | 6.0% |
Reading the Mineral County data as a borrower
Based on the Mineral County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Mineral County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Repairs on manufactured housing. With 24% of homes here, compare a personal loan with any dealer or park repair program.
- 18% below poverty. Emergency aid, payment plans and counseling (list) come first.
Checklist for Mineral County applicants
Before you apply, wherever you live in Mineral County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Never pay a fee up front to get a loan.
Licensing and complaints for Mineral County
No county office licenses personal lenders. For Mineral County, check the Nevada Financial Institutions Division. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Nevada guide.
Nearby and statewide guides
For statewide rules and data, see the Nevada guide.
Frequently asked questions
What does a typical Mineral County household make?
About $54,855 a year at the median (ACS 2020-24), 30% below the Nevada median.
How does Mineral County rent compare with Nevada?
$905 locally versus $1,597 for the state, 43% below.
I own my home in Mineral County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 73% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Mineral County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Hawthorne, Schurz, Walker Lake, Mina.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Mineral County or elsewhere in Nevada, the same rules apply.