1st Advantage MortgageMuskingum County households have a median income of $60,780 and median rent of $833 a month (ACS 2020 to 2024). 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
- A quick profile of Muskingum County
- What Muskingum County households earn
- How Muskingum County residents earn a living
- Renting and owning in Muskingum County
- Places inside Muskingum County
- Neighboring counties at a glance
- More Muskingum County figures
- Reading the Muskingum County data as a borrower
- Debt-to-income at Muskingum County's medians
- Checking a lender's license in Ohio
- Checklist for Muskingum County applicants
- Related local guides
- Frequently asked questions
A quick profile of Muskingum County
With an estimated 86,411 residents (ACS 2020 to 2024), Muskingum County ranks 31st of 88 in Ohio for population. It covers 665 square miles of land, or about 130 people per square mile. No metropolitan area includes Muskingum County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 16 Census places inside Muskingum County, Zanesville leads by population with about 24,740; 10 of the 16 are incorporated.
What Muskingum County households earn
At $60,780, the typical Muskingum County household income is 7% below the median U.S. county ($65,681). That places it 64th among Ohio's 88 county-level areas.
| Households earning | Muskingum County | +/- vs Ohio |
|---|---|---|
| Under $35,000 | 29.5% | +5.7 pts |
| $35,000 to $99,999 | 43.2% | +1.5 pts |
| $100,000 to $199,999 | 22.2% | -3.2 pts |
| $200,000 or more | 5.1% | -4.0 pts |
Some 29% of households here live on less than $35,000 a year; 27% have six-figure incomes. 15.1% of residents fall below the federal poverty line (statewide: 13.3%). None of these numbers decides a Muskingum County application. Lenders weigh your own documented income against your own debts.
How Muskingum County residents earn a living
Education and health care employs 27% of working residents, the largest share; retail trade is next with 13%. The sharpest difference from the state is in education and health care, at 27% locally and 24% for Ohio. The survey's unemployment rate for Muskingum County averages 4.3% over 2020 to 2024 (state: 4.8%). About 82% drive to work alone and 17% have trips of 45 minutes or more. Households without a car make up 7.7% of the total (7.5% statewide).
| Where residents work | Muskingum County | Difference from Ohio |
|---|---|---|
| Education and health care | 27.0% | +2.7 pts |
| Retail trade | 13.2% | +2.1 pts |
| Manufacturing | 10.8% | -3.8 pts |
| Construction | 8.2% | +2.3 pts |
| Arts, lodging and food service | 7.6% | -0.8 pts |
| Transportation, warehousing and utilities | 7.6% | +1.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Muskingum County should have bank statements and tax returns ready.
Renting and owning in Muskingum County
Median gross rent, utilities included, comes to $833 in Muskingum County versus $1,034 statewide. Rent takes 30% or more of income for 46% of renter households here. Home values center on $182,200, or 3.0 years of median income. Owners occupy 68% of homes.
| Measure | Muskingum County | Ohio | Median U.S. county |
|---|---|---|---|
| Median gross rent | $833/mo | $1,034/mo | $877/mo |
| Median home value | $182,200 | $214,800 | $185,300 |
| Owners | 68% | 67% | 75% |
| Rent-burdened renters | 46% | 46% | 45% |
| Burdened owners | 22% | 21% | n/a |
| Mobile homes | 8.8% | 3.4% | n/a |
| Vacant units | 10% | 8% | n/a |
Places inside Muskingum County
The table lists the 14 largest of 16 Census places in Muskingum County, by population. Together all 16 hold about 40,529 people, so roughly 53% of residents live outside any named place. Among places of 500 or more people, median income runs from $38,824 in South Zanesville to $116,167 in Duncan Falls. Live in one of these Muskingum County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Zanesville | city | 24,740 | $43,280 | $821 | 4 mi |
| North Zanesville | CDP | 2,758 | $83,904 | $847 | 3 mi |
| New Concord | village | 2,657 | $70,313 | $798 | 11 mi |
| South Zanesville | village | 2,211 | $38,824 | $799 | 6 mi |
| Dresden | village | 1,725 | $57,991 | $909 | 11 mi |
| Frazeysburg | village | 1,522 | $51,250 | $929 | 14 mi |
| Pleasant Grove | CDP | 1,436 | $54,038 | $653 | 1 mi |
| Duncan Falls | CDP | 1,355 | $116,167 | n/a | 6 mi |
| Philo | village | 683 | $42,344 | $827 | 7 mi |
| Adamsville | village | 328 | $126,953 | $917 | 8 mi |
| Trinway | CDP | 286 | $73,328 | n/a | 12 mi |
| Gratiot | village | 264 | $67,083 | $744 | 15 mi |
| Nashport | CDP | 206 | n/a | n/a | 14 mi |
| East Fultonham | CDP | 157 | $85,469 | n/a | 12 mi |
Neighboring counties at a glance
Perry County is closest, 22 miles from center to center; the sixth, Licking County, is 30 miles off. Income ranges from $55,577 in Coshocton County to $84,426 in Licking County; 2 of these neighbors top Muskingum County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Muskingum County | - | $60,780 | $833/mo | 68% |
| Perry County, OH | 22 mi | $67,460 | $777/mo | 76% |
| Coshocton County, OH | 23 mi | $55,577 | $765/mo | 73% |
| Morgan County, OH | 24 mi | $59,351 | $742/mo | 79% |
| Guernsey County, OH | 24 mi | $58,478 | $864/mo | 72% |
| Noble County, OH | 29 mi | $56,098 | $707/mo | 84% |
| Licking County, OH | 30 mi | $84,426 | $1,078/mo | 74% |
More Muskingum County figures
College graduates make up 21% of the adult population. 6.6% of residents have no health coverage.
| Muskingum County | Ohio | U.S. county median | |
|---|---|---|---|
| Median age | 40.3 | 39.7 | 41.5 |
| Bachelor's or higher | 20.6% | 31.5% | 22.2% |
| No high school diploma | 9.4% | 8.2% | n/a |
| No health insurance | 6.6% | 6.4% | 7.8% |
| No vehicle | 7.7% | 7.5% | 5.4% |
| Work from home | 6.3% | 13.0% | 8.7% |
| Poverty rate | 15.1% | 13.3% | 13.2% |
| Unemployment (ACS) | 4.3% | 4.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 33.5% |
| 15 to 29 min | 34.1% |
| 30 to 44 min | 15.6% |
| 45 to 59 min | 8.0% |
| 60+ min | 8.8% |
Reading the Muskingum County data as a borrower
Where the Muskingum County numbers stand out, and why it matters for a loan:
- Tight rental budgets. With 46% of Muskingum County renters cost-burdened, test a new payment against a lean month.
- Check your file. An error fixed before you apply can change the offers a Muskingum County borrower sees (free reports).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Debt-to-income at Muskingum County's medians
Here is the Muskingum County median household run through a simple DTI check. Your numbers will differ.
- $5,065 a month: gross income for a household at the Muskingum County median
- Less median rent of $833, which is 16% of it
- At 36%, room after rent is $990 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Checking a lender's license in Ohio
Before sharing details with a lender, a Muskingum County resident can confirm its license with the Ohio Division of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Ohio guide.
Checklist for Muskingum County applicants
Before you apply, wherever you live in Muskingum County:
- Price the Muskingum County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Ohio borrowers.
- Confirm the first due date before setting up autopay.
Related local guides
The Ohio guide covers the whole state.
Frequently asked questions
Is Muskingum County a high-income county?
Its $60,780 median ranks 64th of 88 Ohio counties and compares with $65,681 for the median U.S. county.
How much is rent in Muskingum County?
Median gross rent, utilities included, is $833 a month; 46% of renters spend 30% or more of income on it.
What are the biggest places in Muskingum County?
By population: Zanesville, North Zanesville, New Concord, South Zanesville, Dresden. The county has 16 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Muskingum County or elsewhere in Ohio, the same rules apply.
Who regulates personal lenders for Muskingum County residents?
The Ohio Division of Financial Institutions licenses consumer lenders in Ohio; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.