1st Advantage MortgageIn Montour County, Pennsylvania, the typical household earns $76,976 a year and the typical rent is $1,142. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Pennsylvania license first.
On this page
- Getting oriented in Montour County
- Jobs and commutes in Montour County
- What Montour County households earn
- Housing costs in Montour County
- Counties near Montour County
- Montour County towns compared
- Room for a loan payment in Montour County
- Montour County residents: age, schooling, coverage
- Local borrowing considerations for Montour County
- Steps before you apply in Montour County
- Checking a lender's license in Pennsylvania
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Montour County
With an estimated 18,103 residents (ACS 2020 to 2024), Montour County ranks 62nd of 67 in Pennsylvania for population. It covers 130 square miles of land, or about 139 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 2 places in the county (2 incorporated, 0 census-designated); the largest is Danville, with about 4,217 residents, or 23% of the county.
Jobs and commutes in Montour County
The biggest employer of Montour County residents, by industry, is education and health care at 42% of workers, followed by retail trade (11%). Compared with Pennsylvania, the county leans toward education and health care (42% against 27%). ACS puts five-year average unemployment at 2.9% in Montour County. About 73% drive to work alone and 10% have trips of 45 minutes or more.
| Sector | Montour County | Compared with Pennsylvania |
|---|---|---|
| Education and health care | 42.0% | +15.3 pts |
| Retail trade | 10.5% | -0.5 pts |
| Manufacturing | 8.7% | -2.7 pts |
| Professional and administrative services | 7.9% | -3.4 pts |
| Construction | 5.5% | -0.5 pts |
| Arts, lodging and food service | 5.3% | -2.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Montour County should have bank statements and tax returns ready.
What Montour County households earn
Half of Montour County households take in less than $76,976 a year and half take in more, about the same as the Pennsylvania median of $77,971. That places it 20th among Pennsylvania's 67 county-level areas.
| Household income | Montour County | vs Pennsylvania |
|---|---|---|
| Under $35,000 | 21.4% | -0.6 pts |
| $35,000 to $99,999 | 41.6% | +2.4 pts |
| $100,000 to $199,999 | 25.2% | -1.9 pts |
| $200,000 or more | 11.9% | 0.0 pts |
Some 21% of households here live on less than $35,000 a year; 37% have six-figure incomes. 8.8% of residents fall below the federal poverty line (statewide: 11.7%). The Gini index of income inequality is 0.489 (0 is perfect equality). A household earning below the $76,976 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Housing costs in Montour County
Median gross rent, utilities included, comes to $1,142 in Montour County versus $1,209 statewide. By the Census definition, 38% of Montour County renters are cost-burdened. The median owner-occupied home is valued at $248,100, about 3.2 times the median household income. Owners occupy 68% of homes. The median home was built in 1976, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Montour County | Pennsylvania figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,142/mo | $1,209/mo | $877/mo |
| Median home value | $248,100 | $254,500 | $185,300 |
| Owners | 68% | 69% | 75% |
| Rent-burdened renters | 38% | 48% | 45% |
| Burdened owners | 23% | 24% | n/a |
| Vacant units | 3% | 9% | n/a |
Counties near Montour County
Nearest neighbors first, measured between county centers (13 to 30 miles). None of the six report a higher median household income than Montour County; Union County is highest at $76,404 and Northumberland County lowest at $60,583.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Montour County | - | $76,976 | $1,142/mo | 68% |
| Northumberland County, PA | 13 mi | $60,583 | $806/mo | 75% |
| Columbia County, PA | 14 mi | $64,644 | $943/mo | 69% |
| Union County, PA | 21 mi | $76,404 | $974/mo | 72% |
| Snyder County, PA | 28 mi | $66,876 | $929/mo | 76% |
| Sullivan County, PA | 29 mi | $69,764 | $775/mo | 85% |
| Lycoming County, PA | 30 mi | $63,917 | $913/mo | 69% |
Montour County towns compared
The table lists the 2 largest of 2 Census places in Montour County, by population. Together all 2 hold about 4,480 people, so roughly 75% of residents live outside any named place. None of the 2 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Danville | borough | 4,217 | $59,219 | $1,105 | 5 mi |
| Washingtonville | borough | 263 | $55,909 | $889 | 2 mi |
Room for a loan payment in Montour County
Montour County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Montour County: $6,415
- Less median rent of $1,142, which is 18% of it
- At 36%, room after rent is $1,167 a month
- 43% debt-to-income limit: $1,616 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Montour County residents: age, schooling, coverage
Degree holders: 39% of adults over 25. 3.7% of residents have no health coverage.
| People and households | Montour County | Pennsylvania | Median county |
|---|---|---|---|
| Median age | 42.9 | 40.9 | 41.5 |
| Bachelor's or higher | 38.7% | 35.2% | 22.2% |
| No high school diploma | 6.3% | 7.9% | n/a |
| No health insurance | 3.7% | 5.6% | 7.8% |
| No vehicle | 8.1% | 10.4% | 5.4% |
| Work from home | 12.9% | 15.6% | 8.7% |
| Poverty rate | 8.8% | 11.7% | 13.2% |
| Unemployment (ACS) | 2.9% | 5.3% | 4.4% |
| One-way commute | Share of Montour County workers |
|---|---|
| Under 15 min | 43.1% |
| 15 to 29 min | 35.3% |
| 30 to 44 min | 12.0% |
| 45 to 59 min | 5.2% |
| 60+ min | 4.4% |
Local borrowing considerations for Montour County
Based on the Montour County data above, these borrowing questions are most likely to matter locally.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Steps before you apply in Montour County
A short checklist for Montour County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Pennsylvania license before giving out your Social Security number.
- Confirm the first due date before setting up autopay.
Checking a lender's license in Pennsylvania
Licensing happens at the state level, so a lender working with Montour County borrowers answers to the Pennsylvania Department of Banking and Securities. A CFPB complaint gets forwarded to the company for a response. More on Pennsylvania: Pennsylvania personal loans.
Nearby and statewide guides
The Pennsylvania guide covers the whole state.
Frequently asked questions
What is the median household income in Montour County?
$76,976 a year in the 2020 to 2024 Census survey, versus $77,971 for Pennsylvania. It ranks 20th of 67 in the state.
How much is rent in Montour County?
Median gross rent, utilities included, is $1,142 a month; 38% of renters spend 30% or more of income on it.
I live in a small Montour County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Danville, Washingtonville.
Can Montour County residents use the questionnaire?
Yes. It asks the same questions in every Pennsylvania county, lists every requirement up front and does not affect your credit score.
Who do I complain to about a lender in Montour County?
Start with the Pennsylvania Department of Banking and Securities, then the CFPB complaint portal. Keep copies of every message.