1st Advantage MortgageIn Oneida County, Idaho, the typical household earns $74,954 a year and the typical rent is $859. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Oneida County
- Income in Oneida County compared with Idaho
- Rent, home values and ownership in Oneida County
- How Oneida County residents earn a living
- Places inside Oneida County
- How Oneida County compares with nearby counties
- Budget math at the Oneida County median
- Before borrowing in Oneida County
- More Oneida County figures
- Idaho rules that apply in Oneida County
- Checklist for Oneida County applicants
- Related local guides
- Frequently asked questions
A quick profile of Oneida County
The latest five-year Census estimate puts Oneida County's population at 4,768; only 37 of Idaho's 44 county-level areas are larger. Spread over 1,199 square miles, that works out to roughly 4.0 residents per square mile. Under the July 2023 OMB definitions, Oneida County is not part of any metropolitan area. Malad City, with about 2,601 people, is the only Census place mainly inside the county. Because Oneida County is small, the survey's margins of error are wide; treat the numbers as approximate.
Income in Oneida County compared with Idaho
The median household income in Oneida County is $74,954; statewide it is $77,800, so Oneida County runs 4% below Idaho as a whole. In the state ranking that is 12th of 44.
| Households earning | Oneida County | +/- vs Idaho |
|---|---|---|
| Under $35,000 | 19.5% | +0.4 pts |
| $35,000 to $99,999 | 47.2% | +3.4 pts |
| $100,000 to $199,999 | 24.9% | -3.0 pts |
| $200,000 or more | 8.4% | -0.8 pts |
Some 20% of households here live on less than $35,000 a year; 33% have six-figure incomes. Census counts 10.8% of Oneida County residents in poverty, against 10.6% across Idaho. Income inequality, measured by the Gini index, comes to 0.425 here. None of these numbers decides a Oneida County application. Lenders weigh your own documented income against your own debts.
Rent, home values and ownership in Oneida County
Renters in Oneida County pay a median of $859 a month, 31% below the Idaho figure of $1,238. By the Census definition, 54% of Oneida County renters are cost-burdened. With a median value of $272,000, a typical Oneida County house costs 3.6 times what the median household earns in a year. 88% of Oneida County households own their home and 12% rent. Half the housing stock was built before 1971.
| Cost | Oneida County | Idaho figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $859/mo | $1,238/mo | $877/mo |
| Median home value | $272,000 | $418,600 | $185,300 |
| Owners | 88% | 72% | 75% |
| Rent-burdened renters | 54% | 47% | 45% |
| Burdened owners | 27% | 27% | n/a |
| Mobile homes | 1.8% | 6.9% | n/a |
| Vacant units | 9% | 10% | 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). High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How Oneida County residents earn a living
By the Census industry count, 27% of employed Oneida County residents work in education and health care and 18% in manufacturing. The sharpest difference from the state is in manufacturing, at 18% locally and 9% for Idaho. The survey's unemployment rate for Oneida County averages 1.4% over 2020 to 2024 (state: 3.7%). 25% of commuters travel 45 minutes or more each way, and 16% work from home. Only 1.2% of homes here go without a vehicle.
| Industry | Share of Oneida County workers | vs Idaho |
|---|---|---|
| Education and health care | 27.0% | +4.6 pts |
| Manufacturing | 18.3% | +8.9 pts |
| Retail trade | 11.1% | -0.5 pts |
| Agriculture, forestry and mining | 8.0% | +4.0 pts |
| Construction | 7.8% | -1.6 pts |
| Professional and administrative services | 6.1% | -4.5 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.
Places inside Oneida County
Just one Census place, Malad City, lies mainly within Oneida County; it holds about 2,601 people. This guide covers each of the 1 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Malad City | city | 2,601 | $77,237 | $894 | 14 mi |
How Oneida County compares with nearby counties
Six nearby counties, 36 to 57 miles away by the straight-line distance between their centers. 2 of the six report a higher median household income than Oneida County; Box Elder County is highest at $84,550 and Power County lowest at $61,146. Some neighbors are in Utah. Lender licensing is state by state, so a loan for a Oneida County resident follows Idaho rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Oneida County | - | $74,954 | $859/mo | 88% |
| Franklin County, ID | 36 mi | $71,950 | $894/mo | 78% |
| Bannock County, ID | 38 mi | $66,499 | $960/mo | 70% |
| Power County, ID | 39 mi | $61,146 | $767/mo | 74% |
| Box Elder County, UT | 48 mi | $84,550 | $1,116/mo | 76% |
| Cache County, UT | 51 mi | $81,665 | $1,213/mo | 64% |
| Cassia County, ID | 57 mi | $70,830 | $1,000/mo | 69% |
Budget math at the Oneida County median
Here is the Oneida County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Oneida County: $6,246
- Less median rent of $859, which is 14% of it
- 43% debt-to-income limit: $1,827 left for all other debt payments
If your rent is above $859, the room shrinks dollar for dollar.
Before borrowing in Oneida County
A few patterns in the Oneida County data, and the practical point behind each:
- Keeping the car running. At 25% with long commutes, repairs are a frequent Oneida County emergency; first decide if the car is worth fixing.
- Rent squeeze. 54% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
More Oneida County figures
Degree holders: 27% of adults over 25. About 7% go without health insurance.
| Oneida County | Idaho | U.S. county median | |
|---|---|---|---|
| Median age | 40.8 | 37.3 | 41.5 |
| Bachelor's or higher | 26.7% | 31.8% | 22.2% |
| No high school diploma | 4.3% | 8.1% | n/a |
| No health insurance | 6.7% | 9.1% | 7.8% |
| No vehicle | 1.2% | 3.7% | 5.4% |
| Work from home | 15.5% | 13.3% | 8.7% |
| Poverty rate | 10.8% | 10.6% | 13.2% |
| Unemployment (ACS) | 1.4% | 3.7% | 4.4% |
| One-way commute | Share of Oneida County workers |
|---|---|
| Under 15 min | 50.1% |
| 15 to 29 min | 13.6% |
| 30 to 44 min | 11.7% |
| 45 to 59 min | 6.5% |
| 60+ min | 18.1% |
Idaho rules that apply in Oneida County
Licensing happens at the state level, so a lender working with Oneida County borrowers answers to the Idaho Department of Finance. Problems with a lender can also go to the CFPB. More on Idaho: Idaho personal loans.
Checklist for Oneida County applicants
A short checklist for Oneida County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Line up offers side by side: APR, fees in dollars, total cost.
- Only work with lenders licensed for Idaho borrowers.
- Confirm the first due date before setting up autopay.
Related local guides
For statewide rules and data, see the Idaho guide.
Frequently asked questions
What is the median household income in Oneida County?
$74,954 a year in the 2020 to 2024 Census survey, versus $77,800 for Idaho. It ranks 12th of 44 in the state.
How does Oneida County rent compare with Idaho?
$859 locally versus $1,238 for the state, 31% below.
I own my home in Oneida County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 88% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Oneida County?
By population: Malad City. The county has 1 Census place in all.
Does living in Oneida County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Oneida County resident as anyone. Lenders decide under fair-lending law.