1st Advantage MortgageIn Pratt County, Kansas, the typical household earns $66,022 a year and the typical rent is $802. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Pratt County by the numbers
- Earnings across Pratt County households
- Pratt County housing compared with Kansas
- Labor force snapshot: Pratt County
- Pratt County's most unusual numbers
- Census places in Pratt County
- Regional comparison for Pratt County
- Age, degrees and coverage in Pratt County
- Local borrowing considerations for Pratt County
- Debt-to-income, Pratt County edition
- Kansas rules that apply in Pratt County
- Steps before you apply in Pratt County
- Related local guides
- Frequently asked questions
Pratt County by the numbers
Pratt County is home to about 9,127 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 43rd most populous of 105 county-level areas in Kansas. Density: about 12.4 residents per square mile across 735 square miles of land. No metropolitan area includes Pratt County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 7 places in the county (7 incorporated, 0 census-designated); the largest is Pratt, with about 6,577 residents, or 72% of the county. Because Pratt County is small, the survey's margins of error are wide; treat the numbers as approximate.
Earnings across Pratt County households
$66,022 is the median household income for Pratt County, set against $74,275 for Kansas.
| Income band | Share in Pratt County | Difference from Kansas |
|---|---|---|
| Under $35,000 | 27.4% | +5.7 pts |
| $35,000 to $99,999 | 46.1% | +3.8 pts |
| $100,000 to $199,999 | 22.1% | -4.4 pts |
| $200,000 or more | 4.5% | -5.1 pts |
On the low end, 27% of Pratt County households report under $35,000; at the top, 27% report $100,000-plus. 12.3% of residents fall below the federal poverty line (statewide: 11.3%). For a borrower in Pratt 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.
Pratt County housing compared with Kansas
Median gross rent, utilities included, comes to $802 in Pratt County versus $1,060 statewide. Rent takes 30% or more of income for 47% of renter households here. Median value $114,600; median income $66,022; ratio 1.7. Owners occupy 73% of homes. Median construction year: 1956.
| Measure | Pratt County | Kansas | Gap |
|---|---|---|---|
| Owners | 73% | 67% | +6.1 pts |
| Median home value | $114,600 | $217,200 | 47% lower |
| Rent-burdened renters | 47% | 43% | +3.9 pts |
| Median gross rent | $802/mo | $1,060/mo | 24% lower |
| Burdened owners | 23% | 22% | +1.0 pts |
| Mobile homes | 4.5% | 4.0% | +0.4 pts |
In an owner-heavy county like Pratt 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.
Labor force snapshot: Pratt County
Top Pratt County industry by residents employed: education and health care, 28%; second, retail trade, 13%. Relative to Kansas (3%), agriculture, forestry and mining is 7 points bigger in Pratt County (10%). Averaged over the five survey years, 3.6% of the labor force was out of work and looking. 74% of Pratt County workers get to work in under 15 minutes, while 4% need 45 or more.
| Where residents work | Pratt County | Difference from Kansas |
|---|---|---|
| Education and health care | 27.7% | +2.8 pts |
| Retail trade | 13.1% | +2.5 pts |
| Agriculture, forestry and mining | 10.3% | +7.2 pts |
| Arts, lodging and food service | 8.5% | +1.1 pts |
| Manufacturing | 8.2% | -4.2 pts |
| Transportation, warehousing and utilities | 6.8% | +1.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Pratt County's most unusual numbers
- Pratt County ranks 9th lowest of 105 Kansas counties for the share of commutes over 45 minutes: 4%, against 7% statewide. Short commutes keep vehicle costs down, which can free up room for savings.
- On the share of renters paying 30% or more of income for rent, Pratt County sits near the top of Kansas at 47%, 20th highest of 105. Rent pressure leaves little room; stress-test any payment.
- Few Kansas counties match Pratt County on the housing vacancy rate: 21% here, 9% for the state, ranking 21st highest of 105. Many empty units can point to seasonal housing.
Census places in Pratt County
7 Census places fall mainly inside Pratt County; the 7 biggest are below. They account for 7,212 residents, leaving about 21% of the county in unincorporated, unnamed areas. Live in one of these Pratt County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Pratt | city | 6,577 | $63,819 | $798 | 4 mi |
| Iuka | city | 231 | $39,375 | $1,120 | 6 mi |
| Preston | city | 111 | $28,269 | $626 | 13 mi |
| Coats | city | 109 | $78,500 | n/a | 11 mi |
| Cullison | city | 97 | $29,148 | n/a | 9 mi |
| Sawyer | city | 76 | $39,792 | $813 | 11 mi |
| Byers | city | 11 | $45,000 | n/a | 12 mi |
Regional comparison for Pratt County
Distances run center to center, from Stafford County at 27 miles out to Reno County at 42. Income ranges from $52,692 in Edwards County to $75,539 in Kiowa County; 1 of these neighbors top Pratt County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Pratt County | - | $66,022 | $802/mo | 73% |
| Stafford County, KS | 27 mi | $64,226 | $710/mo | 82% |
| Barber County, KS | 29 mi | $61,926 | $830/mo | 81% |
| Kiowa County, KS | 30 mi | $75,539 | $762/mo | 73% |
| Kingman County, KS | 33 mi | $59,842 | $846/mo | 66% |
| Edwards County, KS | 35 mi | $52,692 | $740/mo | 79% |
| Reno County, KS | 42 mi | $60,645 | $863/mo | 69% |
Age, degrees and coverage in Pratt County
Degree holders: 26% of adults over 25. Health coverage gaps: 9.9% of Pratt County residents are uninsured.
| Pratt County | vs Kansas | vs U.S. county median | |
|---|---|---|---|
| Median age | 38.8 | +1.4 yrs | -2.7 yrs |
| Bachelor's or higher | 25.8% | -9.8 pts | +3.7 pts |
| No high school diploma | 9.5% | +1.4 pts | n/a |
| No health insurance | 9.9% | +1.1 pts | +2.1 pts |
| No vehicle | 5.5% | +0.5 pts | +0.1 pts |
| Work from home | 6.5% | -5.3 pts | -2.2 pts |
| Poverty rate | 12.3% | +1.0 pts | -0.9 pts |
| Unemployment (ACS) | 3.6% | -0.3 pts | -0.8 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 73.9% |
| 15 to 29 min | 15.8% |
| 30 to 44 min | 6.3% |
| 45 to 59 min | 1.0% |
| 60+ min | 3.0% |
Local borrowing considerations for Pratt County
Based on the Pratt County data above, these borrowing questions are most likely to matter locally.
- 47% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Debt-to-income, Pratt County edition
Pratt County's $66,022 median income, run through a debt-to-income check:
- $66,022 a year is $5,502 of gross monthly income
- Median rent: $802, or 15 cents of every gross dollar
- At 40%, room after rent is $1,399 a month
Two-income households and single earners in Pratt County land in very different places on this math, so run it for your own budget.
Kansas rules that apply in Pratt County
Pratt County borrowers fall under statewide rules, enforced by the Kansas Office of the State Bank Commissioner. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Kansas: Kansas personal loans.
Steps before you apply in Pratt County
Quick steps for Pratt County:
- Price the Pratt County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Verify the Kansas license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
No city in Pratt County has its own guide yet; the state page is next up.
Frequently asked questions
What does a typical Pratt County household make?
About $66,022 a year at the median (ACS 2020-24), 11% below the Kansas median.
Can a Pratt County renter afford a loan payment?
At the $802 median rent and $5,502 median monthly income, rent alone uses 15%; add other debts before a new payment.
I live near Pratt. Which guide is mine?
This one. Pratt and the rest of Pratt County have no separate city guide.
Are Pratt County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Pratt 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.