1st Advantage MortgageIn Ohio County, Indiana, the typical household earns $70,392 a year and the typical rent is $898. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Indiana before sharing details.
On this page
- Getting oriented in Ohio County
- What it costs to live in Ohio County
- Income in Ohio County compared with Indiana
- The Ohio County job picture
- Regional comparison for Ohio County
- Places inside Ohio County
- People and households in Ohio County
- Before borrowing in Ohio County
- A Ohio County household budget, worked through
- Who licenses lenders for Ohio County residents
- A Ohio County borrower's checklist
- More guides for Ohio County
- Frequently asked questions
Getting oriented in Ohio County
Roughly 5,999 residents live in Ohio County, Indiana, 92nd by population among the state's 92 counties and county equivalents. Land area is 86 square miles (2024 Gazetteer), so density runs near 70 per square mile. It is one of the counties that make up the Cincinnati, OH-KY-IN metropolitan statistical area (OMB, 2023). The Census Bureau counts 1 place in the county (1 incorporated, 0 census-designated); the largest is Rising Sun, with about 2,474 residents, or 41% of the county. Because Ohio County is small, the survey's margins of error are wide; treat the numbers as approximate.
What it costs to live in Ohio County
A typical Ohio County rental runs $898 a month including utilities, which is 15% below Indiana. Rent takes 30% or more of income for 66% of renter households here. The median owner-occupied home is valued at $213,100, about 3.0 times the median household income. 81% of Ohio County households own their home and 19% rent. Half the housing stock was built before 1978.
| Home costs | Ohio County | Indiana | U.S. middle county |
|---|---|---|---|
| Median gross rent | $898/mo | $1,062/mo | $877/mo |
| Median home value | $213,100 | $218,200 | $185,300 |
| Owners | 81% | 71% | 75% |
| Rent-burdened renters | 66% | 48% | 45% |
| Burdened owners | 18% | 20% | n/a |
| Vacant units | 5% | 9% | n/a |
Because most Ohio County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Income in Ohio County compared with Indiana
Ohio County households have a median income of $70,392 (ACS 2020 to 2024), which ranks 40th of 92 in Indiana.
| Band | Ohio County | Compared with Indiana |
|---|---|---|
| Under $35,000 | 19.4% | -3.2 pts |
| $35,000 to $99,999 | 48.8% | +5.4 pts |
| $100,000 to $199,999 | 27.8% | +2.0 pts |
| $200,000 or more | 4.0% | -4.2 pts |
Some 19% of households here live on less than $35,000 a year; 32% have six-figure incomes. Census counts 8.1% of Ohio County residents in poverty, against 12.3% across Indiana. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Ohio County median.
The Ohio County job picture
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 22%. The sharpest difference from the state is in construction, at 13% locally and 7% for Indiana. Averaged over the five survey years, 1.3% of the labor force was out of work and looking. About 79% drive to work alone and 35% have trips of 45 minutes or more. 5.3% of households have no vehicle.
| Sector | Ohio County | Compared with Indiana |
|---|---|---|
| Education and health care | 24.2% | +0.7 pts |
| Manufacturing | 21.9% | +3.9 pts |
| Construction | 13.0% | +6.4 pts |
| Arts, lodging and food service | 9.6% | +1.8 pts |
| Transportation, warehousing and utilities | 5.8% | -0.4 pts |
| Retail trade | 5.6% | -5.1 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Regional comparison for Ohio County
Switzerland County is closest, 9 miles from center to center; the sixth, Carroll County, is 21 miles off. Boone County leads the group on income ($99,414), Carroll County trails ($56,466), and Ohio County out-earns 3 of the six. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Ohio County resident follows Indiana rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Ohio County | - | $70,392 | $898/mo | 81% |
| Switzerland County, IN | 9 mi | $65,343 | $758/mo | 79% |
| Boone County, KY | 12 mi | $99,414 | $1,373/mo | 76% |
| Gallatin County, KY | 14 mi | $63,346 | $832/mo | 75% |
| Dearborn County, IN | 14 mi | $84,735 | $845/mo | 85% |
| Ripley County, IN | 19 mi | $70,573 | $839/mo | 77% |
| Carroll County, KY | 21 mi | $56,466 | $910/mo | 66% |
Places inside Ohio County
Rising Sun is the only Census place mainly inside Ohio County, with about 2,474 of the county's 5,999 residents. This guide covers each of the 1 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Rising Sun | city | 2,474 | $58,843 | $823 | 6 mi |
People and households in Ohio County
College graduates make up 18% of the adult population. About 6% go without health insurance.
| Residents | Ohio County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 47.2 | 38.1 | 41.5 |
| Bachelor's or higher | 17.8% | 29.5% | 22.2% |
| No high school diploma | 6.0% | 9.6% | n/a |
| No health insurance | 5.9% | 7.4% | 7.8% |
| No vehicle | 5.3% | 6.2% | 5.4% |
| Work from home | 9.3% | 10.7% | 8.7% |
| Poverty rate | 8.1% | 12.3% | 13.2% |
| Unemployment (ACS) | 1.3% | 4.3% | 4.4% |
| Minutes to work | Ohio County workers |
|---|---|
| Under 15 min | 21.9% |
| 15 to 29 min | 27.2% |
| 30 to 44 min | 16.4% |
| 45 to 59 min | 15.3% |
| 60+ min | 19.2% |
Before borrowing in Ohio County
A few patterns in the Ohio County data, and the practical point behind each:
- Commuter costs. 35% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Fixed incomes. Ohio County's median age is 47.2. Social Security and pensions count as income when documented.
- Tight rental budgets. With 66% of Ohio County renters cost-burdened, test a new payment against a lean month.
A Ohio County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Ohio County's medians:
- Median income divided by twelve: $5,866 before taxes
- Less median rent of $898, which is 15% of it
- 43% debt-to-income limit: $1,624 left for all other debt payments
Two-income households and single earners in Ohio County land in very different places on this math, so run it for your own budget.
Who licenses lenders for Ohio County residents
Licensing happens at the state level, so a lender working with Ohio County borrowers answers to the Indiana Department of Financial Institutions. Federal complaints: consumerfinance.gov. More on Indiana: Indiana personal loans.
A Ohio County borrower's checklist
Before you apply, wherever you live in Ohio County:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Indiana borrowers.
- Keep a small cushion so one surprise bill does not mean another loan.
More guides for Ohio County
The Indiana guide covers the whole state.
Frequently asked questions
What is the median household income in Ohio County?
$70,392 a year in the 2020 to 2024 Census survey, versus $71,957 for Indiana. It ranks 40th of 92 in the state.
What do renters pay in Ohio County?
$898 a month at the median, about 15% of median household income.
What are the biggest places in Ohio County?
By population: Rising Sun. The county has 1 Census place in all.
Is the fit check different in Ohio County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who do I complain to about a lender in Ohio County?
Start with the Indiana Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.