1st Advantage MortgagePhillips County households have a median income of $62,123 and median rent of $672 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Kansas license first.
On this page
- Phillips County, KS: the basics
- How much Phillips County households make
- Work, industries and travel time in Phillips County
- What it costs to live in Phillips County
- Cities, towns and CDPs in Phillips County
- The counties around Phillips County
- Phillips County households compared
- Local borrowing considerations for Phillips County
- What a median Phillips County budget can carry
- Checking a lender's license in Kansas
- Four steps for Phillips County borrowers
- Nearby and statewide guides
- Frequently asked questions
Phillips County, KS: the basics
Roughly 4,813 residents live in Phillips County, Kansas, 68th by population among the state's 105 counties and county equivalents. It covers 886 square miles of land, or about 5 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Phillipsburg is the biggest of its 10 Census places, at roughly 2,130 people (44% of the county total). With so few households sampled, Phillips County estimates can move a lot between releases.
How much Phillips County households make
At $62,123, the typical Phillips County household income is 5% below the median U.S. county ($65,681).
| Band | Phillips County | Compared with Kansas |
|---|---|---|
| Under $35,000 | 29.4% | +7.7 pts |
| $35,000 to $99,999 | 50.3% | +8.0 pts |
| $100,000 to $199,999 | 16.4% | -10.1 pts |
| $200,000 or more | 3.9% | -5.6 pts |
The spread is wide: 20% of Phillips County households make $100,000 or more, and 29% make less than $35,000. Census counts 15.4% of Phillips County residents in poverty, against 11.3% across Kansas. A household earning below the $62,123 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Work, industries and travel time in Phillips County
Education and health care employs 26% of working residents, the largest share; agriculture, forestry and mining is next with 12%. Compared with Kansas, the county leans toward agriculture, forestry and mining (12% against 3%). The survey's unemployment rate for Phillips County averages 3.2% over 2020 to 2024 (state: 3.9%). Long commutes are the exception here: 6% of workers spend 45 minutes or longer getting to work.
| Top industries | Phillips County share | +/- vs Kansas |
|---|---|---|
| Education and health care | 25.6% | +0.6 pts |
| Agriculture, forestry and mining | 12.2% | +9.1 pts |
| Public administration | 8.6% | +3.9 pts |
| Other services | 8.0% | +3.5 pts |
| Retail trade | 7.2% | -3.4 pts |
| Construction | 5.8% | -0.6 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What it costs to live in Phillips County
Median gross rent, utilities included, comes to $672 in Phillips County versus $1,060 statewide. By the Census definition, 43% of Phillips County renters are cost-burdened. The median owner-occupied home is valued at $96,500, about 1.6 times the median household income. 78% of Phillips County households own their home and 22% rent.
| Measure | Phillips County | Kansas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $672/mo | $1,060/mo | $877/mo |
| Median home value | $96,500 | $217,200 | $185,300 |
| Owners | 78% | 67% | 75% |
| Rent-burdened renters | 43% | 43% | 45% |
| Burdened owners | 20% | 22% | n/a |
| Mobile homes | 3.4% | 4.0% | n/a |
In an owner-heavy county like Phillips County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Cities, towns and CDPs in Phillips County
10 Census places fall mainly inside Phillips County; the 10 biggest are below. They account for 3,456 residents, leaving about 28% of the county in unincorporated, unnamed areas. Live in one of these Phillips County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Phillipsburg | city | 2,130 | $60,750 | $702 | 3 mi |
| Logan | city | 598 | $68,715 | $614 | 15 mi |
| Agra | city | 244 | $48,750 | n/a | 12 mi |
| Prairie View | city | 156 | $128,958 | n/a | 13 mi |
| Long Island | city | 136 | $62,083 | $725 | 15 mi |
| Stuttgart | CDP | 65 | $61,563 | n/a | 6 mi |
| Kirwin | city | 63 | $57,500 | n/a | 14 mi |
| Glade | city | 50 | $49,464 | n/a | 7 mi |
| Woodruff | CDP | 8 | n/a | n/a | 15 mi |
| Speed | city | 6 | n/a | n/a | 9 mi |
The counties around Phillips County
Distances run center to center, from Harlan County at 27 miles out to Furnas County at 41. 2 of the six report a higher median household income than Phillips County; Harlan County is highest at $70,625 and Norton County lowest at $54,050. The list crosses into Nebraska, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Phillips County | - | $62,123 | $672/mo | 78% |
| Harlan County, NE | 27 mi | $70,625 | $657/mo | 86% |
| Smith County, KS | 30 mi | $59,135 | $635/mo | 85% |
| Norton County, KS | 30 mi | $54,050 | $609/mo | 76% |
| Rooks County, KS | 30 mi | $62,500 | $676/mo | 74% |
| Franklin County, NE | 34 mi | $60,195 | $691/mo | 83% |
| Furnas County, NE | 41 mi | $61,048 | $763/mo | 76% |
Phillips County households compared
Degree holders: 22% of adults over 25. The uninsured rate is 7.2%, against 8.8% for Kansas.
| Measure | Phillips County | Kansas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 45.7 | 37.4 | 41.5 |
| Bachelor's or higher | 22.5% | 35.6% | 22.2% |
| No high school diploma | 6.0% | 8.0% | n/a |
| No health insurance | 7.2% | 8.8% | 7.8% |
| No vehicle | 4.5% | 5.1% | 5.4% |
| Work from home | 7.9% | 11.8% | 8.7% |
| Poverty rate | 15.4% | 11.3% | 13.2% |
| Unemployment (ACS) | 3.2% | 3.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 54.0% |
| 15 to 29 min | 22.4% |
| 30 to 44 min | 17.5% |
| 45 to 59 min | 0.3% |
| 60+ min | 5.8% |
Local borrowing considerations for Phillips County
What the Phillips County figures suggest, and what to check first:
- Fixed incomes. Phillips County's median age is 45.7. Social Security and pensions count as income when documented.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
- Advance-fee offers. No legitimate lender asks a Phillips County borrower to pay first (scam signs).
What a median Phillips County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Phillips County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $5,177 before taxes
- 13% goes to median rent ($672)
- $1,140: what a 35% ratio leaves once rent is paid
- At 45%, room after rent is $1,658 a month
If your rent is above $672, the room shrinks dollar for dollar.
Checking a lender's license in Kansas
Licensing happens at the state level, so a lender working with Phillips County borrowers answers to the Kansas Office of the State Bank Commissioner. Problems with a lender can also go to the CFPB. The Kansas guide covers state rules in more detail.
Four steps for Phillips County borrowers
A short checklist for Phillips County borrowers:
- Price the Phillips County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- A Kansas license check takes minutes; do it first.
- Keep a small cushion so one surprise bill does not mean another loan.
Nearby and statewide guides
For statewide rules and data, see the Kansas guide.
Frequently asked questions
What is the median household income in Phillips County?
$62,123 a year in the 2020 to 2024 Census survey, versus $74,275 for Kansas. It ranks 66th of 105 in the state.
What do renters pay in Phillips County?
$672 a month at the median, about 13% of median household income.
I live in a small Phillips County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Phillipsburg, Logan, Agra, Prairie View, Long Island and 5 more.
Will a Phillips County address affect my match?
Beyond confirming Kansas as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Phillips County office that licenses lenders?
No, licensing is statewide. In Kansas it is the Kansas Office of the State Bank Commissioner.