1st Advantage MortgageThe median Mitchell County household earns $64,246, and 12% of residents live below the poverty line. 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 Mitchell County
- How Mitchell County residents earn a living
- Income in Mitchell County compared with Kansas
- What it costs to live in Mitchell County
- Regional comparison for Mitchell County
- Places inside Mitchell County
- Debt-to-income at Mitchell County's medians
- What the numbers mean for Mitchell County borrowers
- People and households in Mitchell County
- Checklist for Mitchell County applicants
- Checking a lender's license in Kansas
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Mitchell County
With an estimated 5,779 residents (ACS 2020 to 2024), Mitchell County ranks 60th of 105 in Kansas for population. Land area is 702 square miles (2024 Gazetteer), so density runs near 8 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 8 Census places inside Mitchell County, Beloit leads by population with about 3,029; 7 of the 8 are incorporated. With so few households sampled, Mitchell County estimates can move a lot between releases.
How Mitchell County residents earn a living
Education and health care employs 29% of working residents, the largest share; construction is next with 12%. The sharpest difference from the state is in construction, at 12% locally and 6% for Kansas. Averaged over the five survey years, 0.1% of the labor force was out of work and looking. Long commutes are the exception here: 5% of workers spend 45 minutes or longer getting to work. Only 7.5% of homes here go without a vehicle.
| Industry | Share of Mitchell County workers | vs Kansas |
|---|---|---|
| Education and health care | 28.7% | +3.7 pts |
| Construction | 11.5% | +5.1 pts |
| Retail trade | 11.0% | +0.4 pts |
| Manufacturing | 7.3% | -5.1 pts |
| Agriculture, forestry and mining | 6.7% | +3.7 pts |
| Public administration | 6.1% | +1.4 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Income in Mitchell County compared with Kansas
At $64,246, the typical Mitchell County household income is 2% below the median U.S. county ($65,681). That places it 51st among Kansas's 105 county-level areas.
| Households earning | Mitchell County | +/- vs Kansas |
|---|---|---|
| Under $35,000 | 25.4% | +3.7 pts |
| $35,000 to $99,999 | 48.5% | +6.2 pts |
| $100,000 to $199,999 | 19.2% | -7.2 pts |
| $200,000 or more | 6.9% | -2.7 pts |
The spread is wide: 26% of Mitchell County households make $100,000 or more, and 25% make less than $35,000. 12.2% of residents fall below the federal poverty line (statewide: 11.3%). For a borrower in Mitchell County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
What it costs to live in Mitchell County
Median gross rent, utilities included, comes to $604 in Mitchell County versus $1,060 statewide. 30% of renting households spend 30% or more of income on rent, and 14% spend half or more. With a median value of $133,800, a typical Mitchell County house costs 2.1 times what the median household earns in a year. 69% of Mitchell County households own their home and 31% rent. Median construction year: 1958.
| Home costs | Mitchell County | Kansas | U.S. middle county |
|---|---|---|---|
| Median gross rent | $604/mo | $1,060/mo | $877/mo |
| Median home value | $133,800 | $217,200 | $185,300 |
| Owners | 69% | 67% | 75% |
| Rent-burdened renters | 30% | 43% | 45% |
| Burdened owners | 23% | 22% | n/a |
| Mobile homes | 2.1% | 4.0% | n/a |
Regional comparison for Mitchell County
Distances run center to center, from Lincoln County at 24 miles out to Smith County at 41. 1 of the six report a higher median household income than Mitchell County; Ottawa County is highest at $74,018 and Jewell County lowest at $52,634.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Mitchell County | - | $64,246 | $604/mo | 69% |
| Lincoln County, KS | 24 mi | $57,500 | $634/mo | 80% |
| Jewell County, KS | 27 mi | $52,634 | $608/mo | 74% |
| Osborne County, KS | 30 mi | $63,011 | $595/mo | 77% |
| Cloud County, KS | 31 mi | $58,770 | $769/mo | 74% |
| Ottawa County, KS | 34 mi | $74,018 | $809/mo | 77% |
| Smith County, KS | 41 mi | $59,135 | $635/mo | 85% |
Places inside Mitchell County
Here are the 8 most populous of the county's 8 Census places, with income and rent from the same 2020 to 2024 survey. About 75% of Mitchell County residents live in one of the 8. This guide covers each of the 8 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Beloit | city | 3,029 | $52,114 | $643 | 7 mi |
| Glen Elder | city | 476 | $79,250 | $438 | 9 mi |
| Cawker City | city | 352 | $45,250 | $583 | 14 mi |
| Tipton | city | 241 | $39,713 | $429 | 15 mi |
| Simpson | city | 154 | $63,047 | n/a | 15 mi |
| Hunter | city | 58 | n/a | n/a | 15 mi |
| Scottsville | city | 15 | $101,250 | n/a | 17 mi |
| Asherville | CDP | 0 | n/a | n/a | 13 mi |
A CDP is a named community without its own municipal government.
Debt-to-income at Mitchell County's medians
Mitchell County at the medians, through a lender's eyes (what DTI means):
- $64,246 a year is $5,354 of gross monthly income
- Rent at the median, $604, takes 11% of that
- At 36%, room after rent is $1,323 a month
If your rent is above $604, the room shrinks dollar for dollar.
What the numbers mean for Mitchell County borrowers
Where the Mitchell County numbers stand out, and why it matters for a loan:
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Advance-fee offers. No legitimate lender asks a Mitchell County borrower to pay first (scam signs).
People and households in Mitchell County
Degree holders: 26% of adults over 25. The uninsured rate is 7.0%, against 8.8% for Kansas.
| Mitchell County | Kansas | U.S. county median | |
|---|---|---|---|
| Median age | 43.1 | 37.4 | 41.5 |
| Bachelor's or higher | 26.2% | 35.6% | 22.2% |
| No high school diploma | 6.0% | 8.0% | n/a |
| No health insurance | 7.0% | 8.8% | 7.8% |
| No vehicle | 7.5% | 5.1% | 5.4% |
| Work from home | 8.3% | 11.8% | 8.7% |
| Poverty rate | 12.2% | 11.3% | 13.2% |
| Unemployment (ACS) | 0.1% | 3.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 67.7% |
| 15 to 29 min | 19.8% |
| 30 to 44 min | 7.1% |
| 45 to 59 min | 2.3% |
| 60+ min | 3.1% |
Checklist for Mitchell County applicants
A short checklist for Mitchell County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Verify the Kansas license before giving out your Social Security number.
- Ask a Mitchell County credit union about member loans.
Checking a lender's license in Kansas
Before sharing details with a lender, a Mitchell County resident can confirm its license with the Kansas Office of the State Bank Commissioner. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Kansas guide.
Nearby and statewide guides
The Kansas guide covers the whole state.
Frequently asked questions
What is the median household income in Mitchell County?
$64,246 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 51st of 105 in the state.
Is Mitchell County expensive for renters?
Median rent is $604 against $1,060 statewide, and 30% of renter households are cost-burdened.
Does this page cover Beloit?
Yes, along with the other 7 Census places in Mitchell County, such as Glen Elder, Cawker City, Tipton.
Will a Mitchell County address affect my match?
Beyond confirming Kansas as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Mitchell County residents?
The Kansas Office of the State Bank Commissioner licenses consumer lenders in Kansas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.