1st Advantage MortgageThe median Neosho County household earns $56,618, and 13% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Kansas before sharing details.
On this page
- Neosho County, KS: the basics
- Household income in Neosho County
- Renting and owning in Neosho County
- The Neosho County job picture
- Counties near Neosho County
- The communities that make up Neosho County
- Room for a loan payment in Neosho County
- What the numbers mean for Neosho County borrowers
- More Neosho County figures
- Licensing and complaints for Neosho County
- Checklist for Neosho County applicants
- Nearby and statewide guides
- Frequently asked questions
Neosho County, KS: the basics
Neosho County is home to about 15,656 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 33rd most populous of 105 county-level areas in Kansas. Spread over 571 square miles, that works out to roughly 27.4 residents per square mile. No metropolitan area includes Neosho County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Chanute is the biggest of its 9 Census places, at roughly 8,598 people (55% of the county total).
Household income in Neosho County
At $56,618, the typical Neosho County household income is 14% below the median U.S. county ($65,681). In the state ranking that is 90th of 105.
| Band | Neosho County | Compared with Kansas |
|---|---|---|
| Under $35,000 | 29.8% | +8.1 pts |
| $35,000 to $99,999 | 46.4% | +4.1 pts |
| $100,000 to $199,999 | 19.6% | -6.8 pts |
| $200,000 or more | 4.1% | -5.4 pts |
Some 30% of households here live on less than $35,000 a year; 24% have six-figure incomes. The poverty rate is 13.1%, 2 points higher than the state's 11.3%. For a borrower in Neosho 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.
Renting and owning in Neosho County
Median gross rent, utilities included, comes to $681 in Neosho County versus $1,060 statewide. 49% of renting households spend 30% or more of income on rent, and 21% spend half or more. The median owner-occupied home is valued at $111,300, about 2.0 times the median household income. 77% of Neosho County households own their home and 23% rent. Median construction year: 1963.
| Housing | Neosho County | Kansas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $681/mo | $1,060/mo | $877/mo |
| Median home value | $111,300 | $217,200 | $185,300 |
| Owners | 77% | 67% | 75% |
| Rent-burdened renters | 49% | 43% | 45% |
| Burdened owners | 25% | 22% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
The Neosho County job picture
Education and health care employs 27% of working residents, the largest share; manufacturing is next with 18%. The sharpest difference from the state is in manufacturing, at 18% locally and 12% for Kansas. The survey's unemployment rate for Neosho County averages 3.2% over 2020 to 2024 (state: 3.9%). 5% of commuters travel 45 minutes or more each way, and 8% work from home. 4.6% of households have no vehicle.
| Top industries | Neosho County share | +/- vs Kansas |
|---|---|---|
| Education and health care | 26.9% | +2.0 pts |
| Manufacturing | 17.8% | +5.4 pts |
| Retail trade | 14.1% | +3.6 pts |
| Construction | 6.6% | +0.2 pts |
| Transportation, warehousing and utilities | 6.0% | +0.4 pts |
| Agriculture, forestry and mining | 5.9% | +2.9 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Counties near Neosho County
Allen County is closest, 22 miles from center to center; the sixth, Woodson County, is 33 miles off. Income ranges from $50,326 in Woodson County to $60,689 in Allen County; 3 of these neighbors top Neosho County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Neosho County | - | $56,618 | $681/mo | 77% |
| Allen County, KS | 22 mi | $60,689 | $720/mo | 75% |
| Wilson County, KS | 24 mi | $60,677 | $736/mo | 78% |
| Crawford County, KS | 26 mi | $52,844 | $849/mo | 61% |
| Labette County, KS | 26 mi | $56,325 | $746/mo | 74% |
| Bourbon County, KS | 32 mi | $59,238 | $752/mo | 74% |
| Woodson County, KS | 33 mi | $50,326 | $618/mo | 85% |
The communities that make up Neosho County
9 Census places fall mainly inside Neosho County; the 9 biggest are below. They account for 11,291 residents, leaving about 28% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $36,667 in Erie to $85,635 in Thayer. Rent is cheapest in Erie ($480) and steepest in Thayer ($725). No Neosho County place has a separate guide yet; this county page serves all 9.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Chanute | city | 8,598 | $50,882 | $717 | 11 mi |
| Erie | city | 1,216 | $36,667 | $480 | 4 mi |
| St. Paul | city | 631 | $42,083 | $680 | 8 mi |
| Thayer | city | 502 | $85,635 | $725 | 10 mi |
| Galesburg | city | 139 | $85,000 | n/a | 7 mi |
| Earlton | city | 111 | $76,161 | n/a | 9 mi |
| Stark | city | 63 | $93,750 | n/a | 13 mi |
| South Mound | CDP | 31 | n/a | n/a | 10 mi |
| Urbana | CDP | 0 | n/a | n/a | 5 mi |
A CDP is a named community without its own municipal government.
Room for a loan payment in Neosho County
How much room does a median Neosho County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $4,718 a month: gross income for a household at the Neosho County median
- 14% goes to median rent ($681)
- 43% debt-to-income limit: $1,348 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Neosho County's.
What the numbers mean for Neosho County borrowers
The county's numbers point to a few situations that come up often for Neosho County borrowers.
- Uninsured care. 10% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Rent squeeze. 49% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
More Neosho County figures
23% of Neosho County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 10.4%, against 8.8% for Kansas.
| People and households | Neosho County | Kansas | Median county |
|---|---|---|---|
| Median age | 39.2 | 37.4 | 41.5 |
| Bachelor's or higher | 23.3% | 35.6% | 22.2% |
| No high school diploma | 7.2% | 8.0% | n/a |
| No health insurance | 10.4% | 8.8% | 7.8% |
| No vehicle | 4.6% | 5.1% | 5.4% |
| Work from home | 7.7% | 11.8% | 8.7% |
| Poverty rate | 13.1% | 11.3% | 13.2% |
| Unemployment (ACS) | 3.2% | 3.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 57.6% |
| 15 to 29 min | 24.7% |
| 30 to 44 min | 12.4% |
| 45 to 59 min | 2.6% |
| 60+ min | 2.6% |
Licensing and complaints for Neosho County
Neosho County borrowers fall under statewide rules, enforced by the Kansas Office of the State Bank Commissioner. Federal complaints: consumerfinance.gov. More on Kansas: Kansas personal loans.
Checklist for Neosho County applicants
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Kansas.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
The Kansas guide covers the whole state.
Frequently asked questions
What is the median household income in Neosho County?
$56,618 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 90th of 105 in the state.
How does Neosho County rent compare with Kansas?
$681 locally versus $1,060 for the state, 36% below.
Which towns does the Neosho County guide cover?
Every community in the county, unincorporated areas included. The largest of its 9 Census places: Chanute, Erie, St. Paul, Thayer, Galesburg.
Will a Neosho 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 Neosho 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.