1st Advantage MortgageIn Pickaway County, Ohio, the typical household earns $74,040 a year and the typical rent is $1,020. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Ohio before sharing details.
On this page
- A quick profile of Pickaway County
- Household income in Pickaway County
- Rent, home values and ownership in Pickaway County
- The Pickaway County job picture
- Counties near Pickaway County
- Pickaway County towns compared
- Room for a loan payment in Pickaway County
- People and households in Pickaway County
- Reading the Pickaway County data as a borrower
- Who licenses lenders for Pickaway County residents
- A Pickaway County borrower's checklist
- Related local guides
- Frequently asked questions
A quick profile of Pickaway County
Roughly 60,131 residents live in Pickaway County, Ohio, 42nd by population among the state's 88 counties and county equivalents. It covers 501 square miles of land, or about 120 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Columbus, OH metropolitan area. The Census Bureau counts 10 places in the county (7 incorporated, 3 census-designated); the largest is Circleville, with about 14,142 residents, or 24% of the county.
Household income in Pickaway County
The median household income in Pickaway County is $74,040; statewide it is $71,389, so Pickaway County runs 4% above Ohio as a whole.
| Income band | Share in Pickaway County | Difference from Ohio |
|---|---|---|
| Under $35,000 | 20.5% | -3.3 pts |
| $35,000 to $99,999 | 44.0% | +2.4 pts |
| $100,000 to $199,999 | 27.8% | +2.4 pts |
| $200,000 or more | 7.7% | -1.4 pts |
Some 20% of households here live on less than $35,000 a year; 36% have six-figure incomes. 11.5% of residents fall below the federal poverty line (statewide: 13.3%). The Gini index of income inequality is 0.419 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Rent, home values and ownership in Pickaway County
Median gross rent, utilities included, comes to $1,020 in Pickaway County versus $1,034 statewide. Rent takes 30% or more of income for 43% of renter households here. The median owner-occupied home is valued at $256,800, about 3.5 times the median household income. Owners occupy 74% of homes. The median home was built in 1978, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Pickaway County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,020/mo | $1,034/mo | $877/mo |
| Median home value | $256,800 | $214,800 | $185,300 |
| Owners | 74% | 67% | 75% |
| Rent-burdened renters | 43% | 46% | 45% |
| Burdened owners | 24% | 21% | n/a |
| Mobile homes | 7.2% | 3.4% | 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 Pickaway County job picture
By the Census industry count, 21% of employed Pickaway County residents work in education and health care and 12% in retail trade. The sharpest difference from the state is in construction, at 10% locally and 6% for Ohio. The survey's unemployment rate for Pickaway County averages 3.5% over 2020 to 2024 (state: 4.8%). 20% of commuters travel 45 minutes or more each way, and 14% work from home. Only 6.7% of homes here go without a vehicle.
| Where residents work | Pickaway County | Difference from Ohio |
|---|---|---|
| Education and health care | 21.1% | -3.2 pts |
| Retail trade | 11.8% | +0.6 pts |
| Construction | 10.0% | +4.1 pts |
| Manufacturing | 9.8% | -4.9 pts |
| Professional and administrative services | 9.1% | -1.2 pts |
| Transportation, warehousing and utilities | 8.0% | +2.0 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Counties near Pickaway County
Six nearby counties, 22 to 32 miles away by the straight-line distance between their centers. 3 of the six report a higher median household income than Pickaway County; Fairfield County is highest at $90,966 and Ross County lowest at $61,303.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Pickaway County | - | $74,040 | $1,020/mo | 74% |
| Franklin County, OH | 22 mi | $75,176 | $1,302/mo | 53% |
| Ross County, OH | 22 mi | $61,303 | $906/mo | 70% |
| Fayette County, OH | 23 mi | $63,275 | $822/mo | 65% |
| Fairfield County, OH | 24 mi | $90,966 | $1,172/mo | 75% |
| Madison County, OH | 25 mi | $87,045 | $943/mo | 78% |
| Hocking County, OH | 32 mi | $62,960 | $808/mo | 79% |
Pickaway County towns compared
The table lists the 10 largest of 10 Census places in Pickaway County, by population. Together all 10 hold about 28,799 people, so roughly 52% of residents live outside any named place. Commercial Point has the highest median household income on the list ($107,868) and Williamsport the lowest ($57,386), counting places with at least 500 residents. Rent is cheapest in Williamsport ($814) and steepest in Commercial Point ($1,396). This guide covers each of the 10 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Circleville | city | 14,142 | $60,296 | $955 | 7 mi |
| Ashville | village | 4,648 | $66,522 | $999 | 7 mi |
| South Bloomfield | village | 3,329 | $75,625 | $1,367 | 6 mi |
| Commercial Point | village | 3,141 | $107,868 | $1,396 | 10 mi |
| Logan Elm Village | CDP | 1,214 | $84,750 | $1,221 | 8 mi |
| Williamsport | village | 1,032 | $57,386 | $814 | 6 mi |
| Derby | CDP | 435 | $29,035 | $1,016 | 11 mi |
| Harrisburg | village | 306 | $63,333 | $683 | 13 mi |
| Orient | CDP | 288 | $53,182 | n/a | 12 mi |
| Darbyville | village | 264 | $52,614 | $1,219 | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Room for a loan payment in Pickaway County
The debt-to-income ratio is the main affordability test lenders use. Applied to Pickaway County's medians:
- Median income divided by twelve: $6,170 before taxes
- 17% goes to median rent ($1,020)
- At 36%, room after rent is $1,201 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Pickaway County's.
People and households in Pickaway County
College graduates make up 22% of the adult population. The uninsured rate is 5.8%, against 6.4% for Ohio.
| Residents | Pickaway County | Ohio | Middle U.S. county |
|---|---|---|---|
| Median age | 39.6 | 39.7 | 41.5 |
| Bachelor's or higher | 21.7% | 31.5% | 22.2% |
| No high school diploma | 10.2% | 8.2% | n/a |
| No health insurance | 5.8% | 6.4% | 7.8% |
| No vehicle | 6.7% | 7.5% | 5.4% |
| Work from home | 13.5% | 13.0% | 8.7% |
| Poverty rate | 11.5% | 13.3% | 13.2% |
| Unemployment (ACS) | 3.5% | 4.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 25.1% |
| 15 to 29 min | 28.3% |
| 30 to 44 min | 26.9% |
| 45 to 59 min | 12.8% |
| 60+ min | 6.8% |
Reading the Pickaway County data as a borrower
Based on the Pickaway County data above, these borrowing questions are most likely to matter locally.
- Vehicle repairs. 20% of Pickaway County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Who licenses lenders for Pickaway County residents
Consumer lenders serving Pickaway County are licensed by the state, not the county; in Ohio that is the Ohio Division of Financial Institutions. Federal complaints: consumerfinance.gov. See the Ohio state guide for the statewide picture.
A Pickaway County borrower's checklist
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Pickaway County.
- Collect three written offers and compare APR and total repaid.
- Verify the Ohio license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Related local guides
For statewide rules and data, see the Ohio guide.
Frequently asked questions
What is the median household income in Pickaway County?
$74,040 a year in the 2020 to 2024 Census survey, versus $71,389 for Ohio. It ranks 25th of 88 in the state.
How much is rent in Pickaway County?
Median gross rent, utilities included, is $1,020 a month; 43% of renters spend 30% or more of income on it.
I own my home in Pickaway County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 74% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Pickaway County?
By population: Circleville, Ashville, South Bloomfield, Commercial Point, Logan Elm Village. The county has 10 Census places in all.
Can Pickaway County residents use the questionnaire?
Yes. It asks the same questions in every Ohio county, lists every requirement up front and does not affect your credit score.